Possible bug report?

So, in the past week or so I have had a few instances where I am entering a "Transfer" and the android app keeps asking me to categorize it. This morning the app imported a transaction which was a withdrawal from one of my checking accounts and it needed me to categorize it. Eventually I deleted it and added the transfer in the savings account it was going to which was no problem. But then it again listed the checking source side as a new transaction (OK, it is new) but then required me to categorize again. 

 

My final fix was just to choose TBB which actually worked. This is not right... Flipping to budget TBB was 0...

 

Thanks,

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  • Are both of the accounts on budget? Meaning you dont have the savings account set up as a tracking account.

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  • Checking is on budget, this particular savings account is a tracker. 

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      • eloquentz
      • Numbers Wizard (Accountant), Acoustic Artist (Musician) and Jill of all Trades (Wife & Mother)
      • eloquentz
      • 2 mths ago
      • 1
      • Reported - view

      Cornflower Blue Sloth If the savings account is off budget, you have to track it as an "expense" because that money is effectively leaving the budget. Is there a reason you don't want to include the savings account on budget?

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  • It is attached to a betterment account which is investment. I generally keep the investment accounts as tracking because A: I do not want to budget investment balances and B: If I remember right, if I link the retirement accounts YNAB imports dozens of transactions every time a contribution is made so I have to go through them to accept or reject, AND it doesn't bother to update the daily value changes.  Better to leave them unconnected and occassionally1 update the account balance manually. 

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  • Okay, but that means YNAB is working as intended. Money is leaving your budget and you need to categorize it.

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  • If it's going OUT of your budget, you probably don't want to categorize it as a negative TBB.  Categorize it instead as  a "spending" transaction in whatever category the investment account is for: emergency fund, retirement, wealth growth, etc.

    The transfer will not affect your net worth because it's still your money, but it does affect your budget because it's leaving that system. Tell YNAB why it's leaving the budget in the category field. 

    Over time, the budget reports will show how much you have contributed to investments for that purpose.

    Note: most people will say don't invest your emergency fund; keep it liquid and not prone to a variable value.

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  • OK, got it. I did say "possible bug" <g>. 

     

    I'll see if I can redo the savings account as on budget and leave the investment piece as a tracker. I do have a category for the weekly expense for the investment transfer. The intent of the savings account is not as an account that needs an expense category but a parking place for part of the cash that backs up the budget yet earns some interest along the way. Checking only gets .1% vs. > 2% in an online savings account.  

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  • Cornflower Blue Sloth said:
    I'll see if I can redo the savings account as on budget

     Wait, I thought you said it wasn't a savings account, it's an investment account?

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  • One company, Betterment. 

    Originally 1 account, investment only. 

    Now they have come out with a savings product so account #2 is a savings account. 

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      • jenmas
      • jenmas
      • 2 mths ago
      • Reported - view

      Cornflower Blue Sloth then account #2 should be on budget.

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