Credit Card Balance and Payment Amounts Don't Match but all categories are green or gray!

Hi - so I'm having an issue finding my problem. I used the 'reconcile' button for the first time the last time I updated YNAB and I'm wondering if that's it, although I'm only having the issue with one CC.

 

The balance on one of my CC is $549.07 however the amount allotted for that payment is 257.34.  I have $0.00 in my 'To Be Budgeted' and every category is either green or gray - meaning I'm not in the read anywhere.   I'm very confused.

I've checked my YNAB with my CC transactions line by line since I last reconciled and it all matches.  

 

Please help! 
Thank you!

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  • An orange category in a previous month? It would have turned into debt at the month rollover.

    Like 1
      • Irene O
      • Salmon_Cobra.13
      • 11 mths ago
      • Reported - view

      Ceeses Thanks, but no. 

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      • Irene O
      • Salmon_Cobra.13
      • 11 mths ago
      • Reported - view

      Irene O OMG YES! THANK YOU! This wasn't there yesterday - I swear! But going back, I have orange in categories for the amount I'm missing. So...what would be the best way to fix w/o messing it up going forward? Does putting the money in budgeted solve the issue?

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      • Irene O
      • Salmon_Cobra.13
      • 11 mths ago
      • Reported - view

      Ceeses I'm clearly learning how this chat works here.  Please see my note above. WOuld love any insight you have.

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  • Is it possible you never allocated the original balance on the credit card to the payment category? If you plan to pay it in full, you'll need to make it match the balance in the opposite direction. That means you'll have to take from other categories to get there.

    Like 2
      • Irene O
      • Salmon_Cobra.13
      • 11 mths ago
      • Reported - view

      Superbone  - great suggestion but no. I cleared this out and have not had this issue. Been doing YNAB a few months. I would assume it would show up in other months?

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  • It's possible there was credit card overspending in a previous month or the starting balance on that credit card wasn't budgeted for. This means that, at some point, enough money wasn't put aside to cover your credit card balance in full. You can move money from your other categories to bring the Available balance to the $549.07 needed to cover the entire balance.

    If you have a moment, take a look at our Quick Start Guide to Credit Cards or check out our Budget for Credit Cards video course for more information! :)

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  • No overspending in previous months or 'orange category'. I paid my card in full last time and clicked the reconcile button. When I paid my card in full last time (like 2 weeks ago...I usually pay off in full every 1-3 weeks), the balanced matched. So i'm super confused. 

     

    I do understand I can move the money to 'budgeted' but I shouldn't have to manually put money into the budgeted. Making sure each category for the transactions that equal the full balance are fully funded should take care of the money - not leaving a 'budgeted' amount. I don't have to move money to budgeted ever, as long as all other categories are fully funded.  Am I missing something?

     

    Also, the top bar of my CC page says $547 cleared balance plus $0.00 uncleared balance and then $257.34 payment. But all of those transactions, equallying $547. are in categories that have been funded by moving money to budgeted. What am I missing here?

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  • Irene O said:
    I have orange in categories for the amount I'm missing.

    Click on the orange category's Activity value to bring up the Cover Overspending tool. Pick some other category that's less important from which to reallocate money. If you can't identify a lower priority category, then your CC Payment will have to remain short that amount. You can add to the Payment category directly in a later month to reduce the amount being floated.

    Float is the difference between the CC account and CC Payment category balances. Paid-in-full status would have a float of $0 (available payment covering the entire debt).

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