Overdraft and TBB? Help please !
Hi there !
First, please apologize my english, i'm not native :-)
I'm very new to Ynab (started about 1 week ago), and have been struggling with overdraft for years.
My issue is that I'm ending february with €-548 on my husband's account, and my own account is also overdrawn. My husband just recieved €1695 from his employer. And I still see €1695 TBB for february. Where are those? I've understood budget and account are 2 different things, but I actually don't have €1695 to budget.
Do i have to create an 'overdraft' category in which I budget €548, so the right amount rolls over march, or is there another way? Do you suggest I make a fresh start as soon as all our accounts turn positive (tomorrow or the day after), so we start again with a "clean" budget?
Thanks for helping !
https://support.youneedabudget.com/t/q5wlp8?r=y7wfxg explains the process for dealing with a non-US style overdraft facility. In the US, checking accounts can’t go negative, so YNAB is built to handle the US process. The support materials don’t help much here, either, so be careful.