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 !

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  • 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.

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      • SgtBatten
      • "YNAB broke" since 2013
      • SgtBatten
      • 4 mths ago
      • Reported - view

      WordTenor I would imagine that most countries don't have checking accounts except the US. I had no idea YNAB actually prevents them from going negative though. Every single account in my budget is a savings account, i'd never understood the point of distinguishing them, the all work the same for me in reality.

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      • Ceeses
      • Ceeses
      • 4 mths ago
      • Reported - view

      SgtBatten YNAB doesn't prevent the checking accounts to go negative. It just doesn't cater for that scenario as checking accounts at US banks do not go negative. If the checking account is negative, the money is taken from TBB. So if all your accounts are negative you end up with a negative TBB and no way to budget constructively. One needs to enter stuff slightly differently in YNAB to then be able to budget. And yes, if all your accounts are negative, you are budgeting debt/loan money. But you are likely to spend less of that money with a budget than without.

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  • Thanks ! 

    My idea of creating an "overdraft" category was not that bad then :-)

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