Budget to include budgeted spending for the current month
I think I am starting to get the hang of YNAB, but I am confused by how credit card spending that is budgeted works in YNAB.
I currently have a goal for paying off my card by a certain date, but I am pretty sure I am riding the credit card float. I think I can still reach my goal with control though. I am just not sure how much to pay now to cover the current month's spending and the goal.
Is there a way I can move the 43.13 to become part of the budgeted amount? So that when I make a payment, the available will be zero since I know how much to pay other than the goal amount?
There's no need to move the $43.13, because it doesn't matter how money gets into the category (budget entry vs. budgeted purchase). Just pay the LESSER of the Statement Balance and the CC Payment category Available amount.
When your Payment category covers the entire account balance, you will have reached paid-in-full status. (The only way to make progress in this regard is to budget to the category.) Most PIF users only send the amount the CC has requested (i.e., the statement balance), which will leave funds in the category for the following month's payment.
Hi Slate Blue Pilot (2903ac015cdb) !
That screenshot is showing $284.02 budgeted towards your credit card category, plus $43.13 in budgeted spending on that card (so it took place in one of your spending categories, but it was budgeted for, so YNAB moved that money to the credit card category).
There's $327.15 Available to pay towards your credit card, if you pay that amount you're covering the new purchases plus the goal you have in place. The goal is based on the Available amount and the card balance, so if there are purchases that weren't budgeted for, the goal will adjust when the month rolls over to keep you on target.