Inflow into Credit Card not showing up in 'to be budgeted'?

I'm a little confused at the moment. I have over spent a little (thanks to a new house and being December!) and I'm trying to keep things covered. Today my boyfriend forgot his wallet while we were out. His budget has the car repair category in it, but because we were out without his wallet, I put the transaction onto my card. I thought it would be no problem to just have him make a payment to my card from his checking account to cover the transaction since he actually has the money budgeted for the purchase.

So when I got home I hopped into YNAB, paid the exact amount onto my credit card from his checking account, and then created a transaction on my card with a payee of " transfer from BF's cking acct" and made the category 'to be budgeted' and put the amount in the inflow category, which exactly matches the transaction amount from the auto parts store.

I was expecting when I went back to my budget to find that amount available so I could apply it to my over spent category. Not so, it doesn't show up at all. I'm a little confused!

In the same manner, I had some rewards "cash" available to use no my credit card, so I did the same thing, created a 'to be budgeted' transaction and inflow into my card, but again, it didn't show up in the to be budgeted category, so I can't correct my over spending.


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  • Here's an attempt at explaining what happened:

    Since you did a transfer, it won't appear in "to be budgeted."  A transfer says you are simply moving money from one place to another, no new income "to be budgeted." A transfer only effects the left side of your budget.

     If you want this money to appear in "to be budgeted" you need to move the money from your BF's checking to your checking with a non transfer transaction. Instead of "transfer from BF's checking account" use income from BF instead, like a check from your BF.  

    Hope that helps.

  • Thanks for the reply, TryingToGetAhead

    While I called it a "transfer" that was only the wording I used under the Payee. Under the actual Category, I listed as "Income to be budgeted". As far as I understood, this should have allowed this money to show up in the to be budgeted amount, but it still says zero. (Which I'm also a little confused about because I went over in several budget categories, and it only says "zero," and not a negative number, which I thought it was supposed to do when I over spent...). The amount is also listed under "Inflow" and not "Outflow" (which I've accidentally done before).

    Just in case the payee wording had something to do with it, I changed that to "Income: BF Checking" to see if that made a difference, and it did not.

    Really baffled by this!

  • Anybody?? I really want to get my budget squared away before the end of the week when I get paid again! This is bugging me!

  • The payment to the credit card reduced the amount you need to pay to the credit card. Check your credit card payment category.

  • Hi there! This is a tricky question, but we'll get it worked out. 

    You said, Under the actual Category, I listed as "Income to be budgeted". As far as I understood, this should have allowed this money to show up in the to be budgeted amount, but it still says zero.

    What you're seeing is correct. When you have an inflow into a credit card account, it will only show up in the To be Budgeted if that inflow makes the credit card account go positive. If the account is still negative, the inflow does nothing to the budget.

    Instead, it decreases the account balance. If you have an account balance of, say, $500, on the credit card, and your Credit Card Payment category has $500 in the Payment amount, and then you enter an inflow of $100, here's what happens:

    1. Your credit card account balance is now $400.

    2. Your Credit Card Payment category is still $500.

    You have more than you need there, and you can click on the green Credit Card Payment, the $500, and move $100 to another category. In this case it sounds like you'd want to move that to the overspent category you used for the car repairs.

    You also said, I went over in several budget categories, and [the To be Budgeted] only says "zero," and not a negative number, which I thought it was supposed to do when I over spent.

    When you have overspending, that won't affect this month's To be Budgeted. 

    When you have cash overspending in your budget (your category Available balance will be red) the overspent amount will be subtracted from To be Budgeted in the next month.

    Credit overspending is different. At the end of the month, credit overspending (shown as a negative orange Available balance) is simply absorbed into the balance of your credit card. If you don’t cover this in the month it happens, you’ll budget money directly to your Credit Card Payments category to pay back that balance!

    Check out our User Handbook section that goes over what happens when the month rolls over - and let me know if you have any other questions about this!

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  • Thanks, Jen ! This does help.

    I snuck around that issue by moving that payment into my checking account, and then applying it to my credit card account so that I could reconcile against the over spending to make it green again :) That leaves my Christmas category still outstanding, but I think it should be all covered as far as I can tell if I've done all my other math correctly!
    Thank for for the assistance and clarification!

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