Getting cash back from retailer

Two weeks in and flip flopping from excited to overwhelmed:). Still struggling with credit cards but that’s a different topic.....my question is how do I handle a trip to Kroger where I buy groceries and take out cash (similar to an ATM withdrawal) in the same transaction receipt?  In reading it seems I should transfer from my checking account to my cash account but unsure how to “split” the transaction appropriately.  

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  • The top line of the split is the total amount that came out of the checking account. The next line is the amount that gets categorized to Groceries and the third line is where you enter transfer:wallet as the payee and put the amount of cash.

    Like 1
    • jenmas Whoa, really, one can combine transfers and splits like this?? I use both so frequently I'm astonished I've never noticed this before in the last 2 years I've been using the cloud-based YNAB, haha - off to explore! :)

      Like 1
      • jenmas
      • jenmas
      • 2 yrs ago
      • 3
      • Reported - view

      Resistant Punch Roller I do this all the time for salon services where I tip in cash. I do it in my credit card account where the top line is the amount charged to my card, the second line it the total service plus tip that is assigned to my Personal Care category and the last line is a transfer from my wallet to my credit card to equal the tip. Sure the account register in the wallet account will show a transfer instead of a transaction for the tip, but I don't care that much. Using the split in the case of the cash back is actually a bit cleaner.

      Like 3
  • And for those, like me, who need to see it:

     

    Like 4
    • HappyDance thank you for the screen shot.  I am doing basically the same thing on the wen version and it still says I need to enter a category versus saying category is not needed.  I'm not sure what I am doing wrong.

      Like
      • HappyDance
      • YNABing consistently since 2014
      • HappyDance
      • 6 mths ago
      • 1
      • Reported - view

      Calvin McKenzie 

      You need to (a) have a cash account (e.g. Wallet) and (b) ensure the payee entry reads Transfer: Wallet.

      Like 1
      • dakinemaui
      • dakinemaui
      • 6 mths ago
      • Reported - view

      Calvin McKenzie It will want a category if the transfer destination account is a Tracking account. A cash account should be on-budget so it can be used for budgeted spending.

      Like
    • HappyDance thank you!  That fixed it.

      Like 2
    • dakinemaui thank you!  That worked.

      Like
  • This was exactly my problem. Every time we go to Kroger I get $100 cash back for spending. The above worked great but I thought it only worked on the web version. I couldn't figure out how to do this in the iOS app. I finally got it. When recording a transaction it has you "Select Category" and then you hit split. Then you have to click "Category" where it shows you Split 1. By this time I had seen Category so many times I automatically clicked Category again when I should have clicked "Payee", but in my mind the payee was Kroger. Once I hit Payee I finally could see that I could select the account to transfer it too. Thanks to the above contributors. This saved my bacon!

    Like 3
    • Sky Blue Tugboat thank you for this - it’s just the explanation I needed!

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  • This cashback process in the mobile app is extraordinarily frustrating. One has to do:

    - new transaction

    - enter payee

    - click split

    - select first category, say groceries

    - enter that split amount

    - click add another split

    - enter a DUMMY category, perhaps groceries again

    - Click that dummy category, change the Payee, 

    - Click done

    - click done again

    - click save transaction

     

    There's no way this is going to work for us. I recall this being much easier in the old YNAB. Can you please add a big [CASH BACK] button on the main 'Add Transaction' screen?

     

    Thanks! -Peter

    Like 2
      • Chris
      • Still_small_voice
      • 1 yr ago
      • 1
      • Reported - view

      Sea Green Door I agree.  I'm thankful for this forum, but this is not an intuitive process for what is a pretty common transaction.  It should not be buried like an Easter egg, where  one either stumbles upon the solution by accident or knows to go to a forum and benefit from the frustration of others.  This is bad UX coding, plain and simple.  I still love this app very much, though.  Not a deal breaker for me.

      Like 1
    • Steel Blue Sound Sea Green Door 

      Hi there! We're always looking to make improvements to the process, to make the mobile app easier to use and navigate. Would you mind submitting a Feature Request

      That form goes straight to our development team! They collect every last bit in a database. Just about every day, they go through all of it and code it, asking questions like Where is this person in their budgeting journey? What problem are they wanting to solve? Then, in regular research cycles they analyze all this collected feedback to plan for what’s next  in YNAB. 

      Like
      • nolesrule
      • YNAB4 Evangelist
      • nolesrule
      • 1 yr ago
      • 1
      • Reported - view

      Nicole at YNAB This isn't a feature request. It's a known bug that was introduced and reported several months ago. It used to work.

      Like 1
      • WordTenor
      • Not discriminating between the sinners and the saints.
      • WordTenor
      • 1 yr ago
      • 1
      • Reported - view

      Nicole at YNAB What @nolesrule  said. This is actually a mistake that YNAB made, and acknowledged it was a mistake at the time. 

      Like 1
    • We made adjustments to the workflow in the mobile app awhile back. With this thread popping up, I wanted to include those updated steps! Here’s how you can create a split transaction with one sub-split as a transfer (like cash back) in the mobile app:

      1. Choose to split the category, then choose a category or categories for your splits.
      2. Tap Next, and then tap "Add a transfer".
      3. Choose the account that will be the other side of that transfer.
      4. Enter the amount of the transfer.
      5. After assigning money to each split, tap "Done".
      Like
  • Since this thread has been brought back to life, I'll mention that it doesn't talk about the impact of CC transfers on the budget. The elephant in the room is that TBB increases when you transfer from a credit account to a cash account. (This is because the budget funds always equal your cash, which just increased, so it's gotta show up somewhere.)

    Typically, I'm just looking to use the cash-back as an ATM. Effectively, I make a withdrawal from my checking account that isn't posted for about 4 weeks. (That's when I pay off that additional debt.) Therefore, I'll immediately budget those seemingly new TBB funds back to the CC Payment category.

    OTOH, if you don't have immediate plans to pay off that CC debt/withdrawal, then you should budget those funds in TBB toward whatever you want to buy. This is essentially credit-based overspending without using a CC for that purchase or getting a warning. You should only do this in exceptional circumstances. 

    Like 3
      • HappyDance
      • YNABing consistently since 2014
      • HappyDance
      • 6 mths ago
      • 1
      • Reported - view

      dakinemaui 

      This is a good thing to add to this thread for anyone reading it.  How nYNAB treats credit cards and transfers from cc to cash (or a gift card account) can be unexpected and confusing for people, especially YNABers used to how cc were treated in YNAB4.

      Like 1
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