Taking the plunge into auto-assign. Any tips?
At first I thought auto-assign was just a rebranding of the functionality I've been using for years to automatically budget groups of categories based on budgeted last month, average spent, etc. But now I see the power of setting your category targets and then letting YNAB do the rest.
Any other tips from those of you that have already worked through the learning curve?
Hmmm - I think my tips include:
- Update your Targets. I had some that were languishing because I was manually assigning money - it was time to make sure my Targets really represented my priorities.
- If you auto-assign on Web, remember that you can Undo.
- If you auto-assign on Mobile, remember that you can change the numbers before you hit Done and complete the process.
- If you slip and fall and complete the Auto-Assign and reload the page all in one go, and it is a huge mess, remember to check out Recent Moves.
Not a tip, but I feel the function was introduced prematurely seeing as they have ignored various requests for goal/target types for years that would have helped round out how people actually want to auto-assign money to their categories.
1. Why are there no Target types that match Average Assigned or Average Spent?
2. Why do the above not exist with a rounding feature (MROUND, CEILING, FLOOR)?
3. Why is there no Target type for Monthly funding amount with a Target Balance? This would solve the issue that YNAB doesn't actually auto-assign money to Target type for a Target Balance.
Lastly, the Fix Overfunding bug for Target Balances still hasn't been fixed. I find that very annoying as it makes actually fixing overfunding useless on the whole budget all at once.
I mean seriously... I didn't wait ALL MONTH to get all my paychecks together, just to have it done with in 1.25 seconds! Let me at least enjoy the process a little bit. :)
Haha - same. But I like to really drag it out - line by line. 😂
Bit less then pleased with auto assign as well. Feeling like a grumpy old man about it at the moment.
Found I've accidentally invoked it while trying to assign money to a category or two on mobile and then wondered what happened and have to undo category by category which is not terrible but kind of annoying as I can see the list but can't just hit an undo.
think my old way of doing things I would tap the available to budget amount to start putting some in a category and be done with it. Seems I need to start with the category I'm moving into now. Is that right?
So a problem I have encountered with Auto Assign (unless I am using it wrong). I assign a target to the category and fund the category (I typically am funding a month or two ahead - i.e. currently funding September/October). To simplify - I am going to use an example.
I have target of $100 for Groceries (by end of month) and another target of $50 for eating out (by end of month). I have funded both these categories.
During the month I have overspend my eating category with actual expenses of $60.
So I move $10 from Groceries to eating out and I plan to spend $10 less in groceries this month.
The problem is that now my Groceries Category shows up in Yellow because it says I have not funded my category with $100.
So, auto-assign based on target does make assigning the funds easy but indicating categories as not funded when I had funded but then moved it is creating confusion. So, now the categories that I have overspent and not funded look the same way - which creates confusion in my family. Unless I am using this wrong.