Newbie here: why is my TBB not in the red as I would expect?
I just started using YNAB last week, and am really thrilled with this program, but still learning. (Yes, I've watched many of Nick's youtube videos.)
I've got all of my money budgeted/spent/saved for this month (including extra grocery and Christmas/auto/home categories "savings" categories), and also have some money budgeted ahead for next month's early bills. Currently, I have $7.58 to be budgeted. One of my first utilities is my compost service for $20, but I noticed that if I go to next month and budget the full $20 for that service, my total amount TBB is $0/green and not $-12.42/red as I would expect. Why is that?
Edited to add:
* also, I realize that I must be missing something pretty central to the way YNAB works, since I can actually budget for two bills, but not my mortgage. Doing so DOES make the TBB go in the red.
I see the "Funds in Oct" "Budgeted in Oct" and "Budgeted in Future" ; I see how adding those two upcoming bill alters those funds/budget, but still a bit hazy what all that refers to; and why my TBB doesn't really change when I think it ought to. Thanks for being patient with me!
Edited again to say:
* Oh! do the "Funds in Oct" refer to the actual money I have available to spend? Because I have been used to doing the dance between 2 checking accounts and 2 savings accounts, I'm not used to thinking in terms of "lump sum of available cash" regardless of where it is located...