Credit Card shows balance, no pmt $, yet all budget lines are green
Can anyone help me understand why my credit card would show that I have a balance due (in this example $82.46) when every charge has been assigned a budgeted category and all my categories in my budget are in the green? I'm confused.
This screen shot is showing your CC account register.
Cleared = sum of transactions you have marked cleared (green C) because they have cleared your Amazon CC account in real life.
Uncleared = sum of transactions that you have entered into YNAB, but you have not marked cleared (grey C), because they're pending or haven't hit on your card in real life.
Working balance = sum of the previous two numbers, indicating the true balance on the card. This number can typically be more up to date, because you don't have to wait for orders to ship before you know about them, etc.
To the right of the grey "$0.00" payment bubble in your screenshot, there is a Reconcile button. You'll want to use that to ensure your YNAB account register and balance completely match your real account. You'll be comparing the "Cleared Balance" in YNAB to the cleared balance (no pending) in Amazon CC.
This can happen if you neglected to reserve funds to pay off the starting balance.
It can also happen if there is yellow overspending at any point in the past.
Some people move funds out of the CC Payment category without fully understanding the ramifications of that choice.
Lastly, a reconciliation adjustment resulting in an outflow is another possible cause. You'd have to budget directly to the CC Payment category to reserve funds for that additional debt.
This credit card is reconciled
Good! I didn't know that "reconcile --> budget" was the best workflow when I started, so I try to always mention it. Avoid the headache!
Did you have any credit overspending in April or May?
why I have a balance with my budget completely in the green.
I suppose my question is rather, "Why don't you have $82.46 sitting in your payment category, ready to pay your balance?"
Did you budget anything extra in May when you paid the balance down to zero?
From their budget, they move money out of the amount that's set aside for the payment?
Categories define a plan for future spending. If someone feels their cash is needed to pay for something else instead of paying down some of their CC debt, that's reason enough to move funds out of the CC Payment category.
The problem is, some people in the past have mistakenly thought that category represents their debt, and lower is better. I don't understand why, but it's not unheard of.
It can also happen accidentally, say with an errant press of the "Set Available to $0" quick-budget button.