Can someone explain me this situation? My head just can not process that... Lol
So I overspent this month big time. I spent money on my visa and it's showing in YNAB that I have money (from my checking account) to cover that spending. I get that... but in couple of days I have got debt on my checking and it still shows under Visa that I have money "put aside" to cover that spending. How come sonce I don't have them...
I'm not sure there is quite enough information here to sort out your issue.
What categories did you "overspend" in, and were they funded before you added the transactions that put you over the edge? Generally speaking, if you have spent more than is available in a category using a credit card, it will show up as as orange with a negative balance in the category.
It can get complicated if you apply transactions to a single category that are both credit and checking based transactions. I have noticed that sometimes depending on the order of the spending, YNAB doesn't recognize that I would want to prioritize the spending from the checking account, and allow the credit card purchases to be over spent.
I don't how to explain that... Let's say I use my Visa for $300... It shows in Visa that I have $300 to cover that spending (from checking where I had $400). Then after couple of days I made some purchase ($300) straight from checking. So at that point I have only $100 on my checking account and not enough to cover my Visa... But under Visa account it's showing (in green) that I have that $300 to cover it....
The reason you have a green $300 under Visa is because at the time you made the Visa purchase, you had enough in checking to cover it.
But presumably because you overspent your checking account now, you should have a red or orange number somewhere else, whatever category you overspent in. If not, check your transactions to see if the new debit purchase is there. Then label it with a category. That category will probably now have an orange or red number in your budget.
There's a green $300 under Visa because your budget is still assuming you plan to pay the $300 to your credit card. If you can't do that now, you will have to move some money from that green Visa category to cover wherever you overspent, and run a balance on your Visa card until you have enough money to pay it back again.