paid on the 30th, trying to target for the 1st

Background:
I get paid on the 15th and 30th.  I have category groups for "Bills 15th Paycheck" and "Bills 30th paycheck".  My categories are named "whatever on XX-Date pay $xx.xx" so I could just look at the category and enter that much money manually.  Category group 15th paycheck fund bills from the 15th to the 29th; category group "Bills 30th paycheck" funds bills from the 30th to the 14th.

Question:  
I am trying to use targets, let's take my "Mortgage on 1st pay $xx.xx" which is under category group "Bills 30th paycheck".   I tried creating a spending target by date, due the 1st of each month.  But since I am funding this on the 30th, YNAB see's that I have already paid and spent the money so my target says "you have reached your goal".   I could change to the next budget month, then click the underfunded to pay it and then switch back to the current month, but seems too much of a pain.  Is that what I need to do  OR  is there a better way?  Or just stick with manual entry.

Thanks in advance,
Shirva33

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  • If I’m setting aside money for the next month’s mortgage, I flip to the next month. I get paid on the same schedule as you, except I’m a paycheck ahead. So when I get paid on Oct 15th it will fund Nov 1st-14th. And I will go into November to do that.  

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  • Get Buffered such that any money you earn in October sits in a holding category until November 1st, where you assign the entire month at the same time. At that point, you don't need to worry about the timing to make goals/targets happy.

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  • Britnee   --  I will keep flipping ahead as you suggested.

    Move Light Sound Life  --  yes, once I get buffered my life will be so much easier.

    thank you both for the replies.

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  • If you use the YNAB Toolkit, they recently added a feature that shows you next month's assigned minus what will actually be withdrawn.   (Example:  you budget $1,000 in the next month for the mortgage, have a scheduled transaction, and everything shows you correctly that you have $0 actually available in that category).  Game changer for me.  

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  • You might also consider labels.  One color for one paycheck and another for the later one.  

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