I have two accounts in YNAB - Credit and Checking.
If I overspent in a category with a checking account transaction, that category would change colors in my budget view with the amount I overspent. I would then move money (usually from my savings) to cover it. My credit card balance never changed because it was a checking account transaction.
Within the past couple weeks, something has changed when the same scenario above occurs. Let's say my Grocery budget is $50. I spend $70 at Wegmans and add that transaction into my YNAB Checking account. I have overspent by $20. The Grocery category lights up on my budget and say's I've overspent..BUT...my credit card now also lights up red and says I've overspent in credit by the same amount. I don't understand why this just started happening. I am not using my credit card for these transactions at all.
Any help is appreciated!
If you have activity in the category from both cash based accounts (cash, checking, savings) and credit accounts, if there is any overspending in the account, YNAB is going to say it is credit card debt even if the transaction that took the category into overspending territory is your checking account. Because now that you have overspent from your checking account, the money is gone and no longer available to pay your credit card bill. The way you fix it is you budget additional funds to the category until the available balance is 0 or positive.
As for why this is just seeming to happen now as opposed to in the past, it is likely that your CC payment category decreased in the past without going red.
Since your cc payment category is now going red, that means you've made a payment to the card for more than (is now) available in the cc payment category, since that other cash overspending is turned into credit overspending, as jenmas said.
That means you're now likely carrying or floating debt on the card. The solution is still to cover the other overspending and then work on paying off the debt on the card separately.
Hi Pugalodon ! Fixing that overspending by covering it from another category is the way go to. You side step the issue by creating a new category, but any time you have some overspending, YNAB is going to cover the cash spending in a category before the credit spending (and even re-arrange prior funding of that credit spending, if needed).