Covering overspending from a previous month with future to be budgeted amount that has already been allocated. Where does money pull from?
Long time reader, first time poster here! It's the end of March, and I just noticed I overspent one category in February and I want to fix it to get rid of the red. I have all of March and 1/2 of April budgeted for, so my To Be Budgeted amount in March and April is $0. When I go back to the Feb category I overspent, I know I can highlight the red amount, select Inflow: to be budgeted, and it will be pulled from my budgeted in future amount. I did this, the overspent Feb category is now fixed, and I saw my budgeted in the future amount drop by the amount I pulled from the budgeted in future dollar amount, but how do I tell where (which category) in the future it pulled that amount from to cover the overspent category in February? And did it pull that money from my current month (March), or did it pull it from the next month I have money budgeted in (April)?
In order for you to pull from “to be budgeted” in February you would have to have money in there. It wont let you cover for feb expense overage with the to be budgeted... like its not even an option. I just tried. In march it will show the red alert that says “youre overbudgeted please fix that” so you have to find money in march to send back to to be budgeted in order to clear up march. At least thats what it did when i just tried it.
Wiecked and nolesrule Perhaps I'm not explaining this correctly. In my account, it is most definitely pulling it from future budgeted money, even when my TBB is $0. Here is a video of it: https://drive.google.com/open?id=1oYcCnPrgKvqHvp5Q5K90YG7uzckXRtZ2
YNAB had already decreased TBB in March to deal with the overspending. You just shifted how TBB was being decreased, but didn't change the fact it was the same as before.
When you increased the budget value in Feb, you did two things at once:
- Lower TBB in March via a reduction in Funds For March
- Increase TBB in March via zeroing out Overspent in February
These adjustments net to $0 so no impact to TBB in March (or thereafter).
dakinemaui I don't know if I'm following you. If what you're saying is true, I shouldn't see any change in future budgeted money when I cover that overspend in the previous month, but I see future budgeted money decrease by that amount when I cover that overspend amount (as you can see in the video). At a glance, I don't see any categories where I think it may have pulled the funds from, but don't know if I should be looking at the budgeted amount or the available amount to detect a change. If there is no change there, then after covering that expense, I would've expected it to pull the $1 from future inflows, just like it does when it rolls over to a new month and you've overspent a category in the previous month. When I added a $50 inflow transaction to my checking account to test this, the full amount showed up TBB in all following months, so it didn't deduct it from TBB. To me, that says it had to have pulled it from a category that already had money allocated to it in either March or April.
Perhaps this is the sticking point. The "Budgeted In Future" header is not the sum of budget entries in future months. Instead, it is the amount of current month money that is being used by (or in support of) future budget entries.
Assuming TBB is zero, you could flip to next month and budget $1,000,000 dollars without changing the current month BIF value.