stumped on negative category balance moving to next month

I have a category for business expenses that will get reimbursed. I recently switched to "new" YNAB and this is the first month that has rolled over into the next month before getting reimbursed. All these expenses are on a credit card.

As I thought would happen, the category balance changed to zero in the new month. But, I'm uncertain as to what else happens, because my numbers don't make sense.

 

I thought that the top of the budget page would have "overspent in March" as the amount I had left over in that reimubursable category...but it says ZERO overspent in March (I did budget down to zero in March by the way so nothing was left over). Also, I thought the amount available to pay the credit card would have increased to the full amount of the CC balance when it moved to the new month but it didn't do that either. The difference between what it says is available to pay the card is close but not exactly equal to the amount left over in the reimbursable category from last month.

Help??

11replies Oldest first
  • Oldest first
  • Newest first
  • Active threads
  • Popular
  • Hi, Orange Falcon

    A cc overspend that isn't dealt with before the month turns over increases you cc debt.  It's only cash-based overspending that deducts from next month's TBB.

    If you overspent on a credit card, and if you received your reimbursement in the month after the expense, you will have to manually budget the funds into the cc payment category. YNAB cannot do this for you automatically once you've crossed the month barrier.

    I like to categorize reimbursements directly into the same category that incurred the expense. So this means that after categorizing the inflow, I then have the funds sitting in the expense category.  But since the expense occured in a prior month, I now need to use the move money tool (MMT) to move the newly arrived funds from the expense category to the cc payment category.

    Does this help?

    Reply Like
  • Hi Orange Falcon !

    We know handling reimbursements is important, so a section of our Help Docs is dedicated to it.

    Since those expenses were on a credit card, you won't see the amount carryover in your credit card category. Your credit card balance will reflect the spending and you can budget to pay that back down once you receive the reimbursement.

    Our Help Docs explain how to handle the reimbursement based on whether you receive it in the same month or a future month.

    We also have an article about when the month rolls over, so check it out and let me know if you have any other questions! :)

    Reply Like
    • Faness  I had an unbudgeted $1,396 credit card expense in August for which I created a budget category for. This created a red negative category alert.  Understandable.  However, when September rolled around, my To Be Budgeted total became -$387.17.  Can you explain what I'm seeing here?  I just expected the credit expense to roll into debt which I would pay down in time.

      Reply Like
    • Powder Blue Tiger Is the Credit Card Payment category red in August or is it yellow? 

      Any categories that are red at the turn of the month will subtract directly from your To be Budgeted from the following month. 

      Reply Like
    • Veronica at YNAB I learned from Laura at YNAB Support that the issue was created last month when I paid toward a positive credit card balance (which I don’t recall doing).  YNAB viewed the overpayment as cash towards the To Be Budgeted total which I unwittingly budgeted to various categories instead of back to the credit card.  I wish YNAB developers would rethink that functionality.  As a result of it, I had to take cash that already had important jobs and apply it to the To Be Budgeted total to zero it out. If users pay toward a positive credit card balance, YNAB should keep it within the credit card account as the user intended.  Don’t mix it with cash!  The credit card company certainly doesn’t automatically issue me back cash when I overpay.

      Reply Like 1
    • Powder Blue Tiger I appreciate that perspective and I'm glad to hear that Laura was able to work through the issue with you! I'll pass that feedback along to our team.

      The main idea here is that the accounts reflect reality. When you make a purchase on a card with a positive balance, no money will move to the Credit Card Payment category, since you don't have anything to pay back.

      Reply Like
  • I found this on a Google search so apologies if this is redundant to ask- I know this is not a super recent thread. Has there been a request to add an option that would allow ALL overspending to deduct from the next month's TBB?

    Reply Like
      • nolesrule
      • YNAB4 Evangelist
      • nolesrule
      • 2 mths ago
      • 2
      • Reported - view

      Julie If you use a checking account type for credit cards, then it will do that instead of using the credit card payment categories.

      Reply Like 2
      • dakinemaui
      • dakinemaui
      • 2 mths ago
      • 2
      • Reported - view

      Just be mindful that this is really only feasible for a card has paid-in-full status (CC Payment Available matching the account balance).

      Reply Like 2
      • Julie
      • julie1
      • 2 mths ago
      • Reported - view

      nolesrule Thanks. Yeah, I had that a-ha thought about a minute after I posted. There's still no way to get those negative category balances to roll over to the next month, though, is there? 

      Reply Like
      • Ceeses
      • Ceeses
      • 2 mths ago
      • Reported - view
Like Follow
  • Status Answered
  • 2 mths agoLast active
  • 11Replies
  • 1362Views
  • 9 Following