How to differentiate between underfunded / overspent on credit? Or auto-budget to meet "Target Category Balance"?
Best I can tell, the only difference is that "Overspent on credit" has a tiny credit card icon next to it, but they're the same color, so at first glance they look identical -- especially on a small screen. This problem is amplified by the way that the under-funded category turns orange -- for example: when I re-allocate this month's Kombucha funds to a more important place.
What I actually want is for my "Kombucha" category to have a "Target Category Balance", not a "Monthly Funding Goal". Unfortunately, the "Goal Target" quick-budget button only works with a monthly funding goal -- and disappears entirely when the goal is a "Target Category Balance". So I'm forced to use the "Monthly Funding Goal" if I want to auto-budget.
Am I approaching this the wrong way? What's the community recommend?
I don't know about Overspent on Credit, but the Toolkit for YNAB (Chrome or Firefox) has a setting that turns unmet goals blue, to differentiate them from other orange icons. Even if you are using Safari or Edge as your main browser, it's worth d/ling and using Chrome or Firefox only for YNAB: the benefits of the Toolkit are worth it.Reply
As JoeDid says the Toolkit allows you to turn unmet goals blue. The other key indicator that you've overspent on credit is the dirty great - sign in front of the number.
Underfunded goals will still be zero or positive. Overspending will be -ve and either be orange if credit overspending or red if cash overspending but it's the - sign that's key.Reply
That browser extension is awesome! Now, my "Overspent on credit" turns red, and "Underfunded" categories are blue, so they're easy to differentiate with a quick glance. It does a ton of other useful things too -- and makes me wonder why YNAB doesn't make those things standard, but whatever.
My only beef is that it doesn't work for the phone app, but I primarily use the browser app.
Thanks for the recommendation!Reply