Removing Credit Card Balance from "Ready to Assign"
Hello, I am trying to minimize my credit card spending. But it doesn't help when I see the bloated "Ready to Assign" number. All I want to see is my cash accounts like Debit/Chequing/Saving/etc. balances. It messes up everything. I can't auto-assign because I can go in debt by doing so. I only want to assign the money I actually have.
Because even though it says I have 6 unit of money ready to assign, I only have 1 unit of actual money. The rest is my "Debt Allowance"/credit card balance.
Or even better, I would like to choose which accounts to show up on "Ready to Assign".
Is there a way to do this?
Your credit card balances shouldn't be showing up in Ready to Assign unless you set your credit card account up incorrectly. Your starting balance should be a negative number.
Unless, that is, you are actually carrying a credit (positive) balance on that card, in which case yes, that is money you can assign to categories for spending.
Here are some "how credit cards work in YNAB" resources you might find helpful:
https://www.youneedabudget.com/how-to-do-credit-cards-in-ynab/ - blog article, very detailed, more narrative and kinda wordy.
https://docs.youneedabudget.com/article/180-credit-card-basics - help doc - more straightforward without a lot of extra explanations.