Savings and Goals
Hello, so I think I am getting the hang of YNAB but I ran into a problem. I am currently putting xx dollars in a savings account from my direct deposit. The money comes in as to be budgeted and I budget the xx dollars in my rainy day fund on my budget. I started this last month, so my rainy day fund currently has an available of xx dollars in September. I budgeted the same amount I am going to save in this month October, so for October I have 2XX in the available category and this now matches the balance in my savings accounts.
What should happen to the available amount next month? At the end of this month do I move it to to be budgeted and just budget the current amount in my savings account to that category? Or should I just leave it alone and then see my available always match the balance in my account since I am not withdrawing from it?
I posted a picture of September and October to help me explain. Once the new month starts what should be done with those dollars? Just let them sit and the balance grow?
Money added to a category will stay in that category until the end of time until you spend it or take it out. When you add more, the available increases.
Secondly, you are overbudgeted in October. You need to remove 691.96 from your categories, because they contain 691.96 that you don't have. That's what the negative TBB number is telling you.