Handling Savings Accounts and transactions from savings accounts
OK. I need help. For argument's sake, let's say I have a checking account, a credit card account, and a savings account. I have created a YNAB budget with categories for spending, including costs that occur annually. In my "real world" finances, my pay checks are automatically deposited into my checking account. Each month I use my checking account to pay off my credit card expenses, fill my budget categories, and transfer money into my checking account. So here is where I am confused. Again, in the real world, when I have a large expense that can't be paid from balances in my checking account, I pull money from my savings, transfer it back to checking, and pay through my checking account. When I try to do the same thing in the YNAB program, I can't. It makes the numbers all go crazy.
How should I set up my real world accounts and my ynab accounts to reflect what I am doing without everything going nuts? Does the Savings Category respond differently than other categories? I want to talk with a live person at YNAB, and of course, they just send me another tutorial that doesn't answer my question. Can anyone offer some help here??