Overspent in Future Month doesn't make sense

I started a fresh budget this month to...start fresh.  I have been diligent about adding in transactions and making sure the money is allocated in the correct category.  When I went to November it is showing that I have overspent in October by $84.41 and I do not understand why.  

The only category that I have overspent is a category called Kindle Oasis (I purchased already for $235.60 and have been given 12 months of no interest so I made a goal for that category to pay it monthly to have the entire balance paid off within that timeframe).   Other than that single transaction, everything is accounted for and in the green.  

What am I missing that is making it say that I am overspending this month (in the November month) if everything is in the green (except for the aforementioned transaction)?  I feel like I have worked so hard to keep this in order and now something is messed up and it's discouraging.  

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  • Expand your category groups. At least one of your categories should be red, which indicates cash overspending. (That is what is reflected in next month's header.) If you have any activity in the Hidden Category group, you might have to unhide one of those to see it.

    Like 3
    • dakinemaui This was it!  Thank you!  I hadn't thought to look at my hidden.  I was finally checking off some categories that I didn't need anymore and one snuck through that was to be changed.  

      Much appreciated!

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

    Hi, Screaming Bobcats

    Twice I've had a phantom negative number appear in a future month, and when I budgeted in the next month, the negative moved an additional month out, staying just out of reach.  If you can't find a cash overspend in October and nothing is showing up as a negative red in the available column, try this:

    1.  If you have the YNAB toolkit extension, disable the toolkit and turn it back on.

    2. If the negative still exists, log out of your YNAB account, and shut down the browser. Then re-open the browser and log back into your YNAB account.

    Logging out eliminated the phantom negative in my budget on the two occasions that I ran into that issue.  On both occasions I had been doing a lot of entry and budget adjustments, so I think a lot of changes in rapid succession created the hiccough in what was displayed.

    3. If the negative still exists, reach out to YNAB support for help.

    Like
    • HappyDance Thank you for the in depth response!  I don't have that extension but I will keep this in mind for the future!

      Like
    • nolesrule
    • YNAB4 Evangelist
    • nolesrule
    • 4 mths ago
    • Reported - view

    Why are all your Nelnet loans in the budget?

    Like
    • nolesrule because I am going to have to start paying on them and I am going to choose which has the highest interest rate to pay off first.  Where do others put these loans?

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      • jenmas
      • jenmas
      • 4 mths ago
      • 1
      • Reported - view

      Screaming Bobcats Tracking Accounts.

      Like 1
    • jenmas If I put them in tracking how do I allocate funds to pay it off?  Do people just make a category for it instead of individual accounts?

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      • jenmas
      • jenmas
      • 4 mths ago
      • Reported - view

      Screaming Bobcats yup. You can't spend from the loan accounts so that's why they should either be tracking accounts or not in YNAB at all with just a payment category.

      Like
    • jenmas Ah, yes, that makes sense now.  Thank you for explaining it!  I'll change them to the Tracking section.  

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      • dakinemaui
      • dakinemaui
      • 4 mths ago
      • 1
      • Reported - view

      Screaming Bobcats The simplest approach is to treat them like normal bills with just a category to plan for the payment. Refer to the statements for remaining balance info.

      A tracking account is more effort, but provides the balance in YNAB. A personal call whether that is worth the additional work.

      YNAB recommends just the category. More info here:

      https://www.youneedabudget.com/why-you-think-you-want-to-track-your-car-loan-in-ynab-but-you-dont-really-w/

      Like 1
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  • Status Answered
  • 4 mths agoLast active
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