To Be Budgeted - Manual Adjustment
Is there a way to manually change my To Be Budgeted amount? It doesn't match what's in my checking account and I don't want to "Make a Fresh Start" because I've already gotten my template to where I want it to be, I don't want to start all over again. I know people say that your transactions have to match your budget exactly but can I override? I'm so frustrated with YNAB, it's so hard to learn. :(
Your To Be Budgeted amount should not match what's in your checking account.
To Be Budgeted shows dollars that you have but which haven't yet been given a job--that is, you haven't assigned them to a category in YNAB yet. Unless you've just set up YNAB or have just been paid, your To Be Budgeted amount should be zero. That doesn't mean you've spent all your money, it just means you've given every dollar a job, whether that job is groceries or gas, an annual bill coming up in a few months, emergency savings, or a long-term goal.
I'd recommend watching the tutorial videos and participating in the free training sessions on the website. They really work!
Hi clarefy !
Mamster is exactly right! When you have a moment, try doing a quick self audit to make sure all of your funds are accounted for in your budget:
1. Advance to next month's budget. (The math is easier there, because all overspending is covered.)
2. In the right sidebar, when no categories are selected, you’ll see your Total Available amount, which is the sum of the Available column.
3. Add that to the amount you have left To be Budgeted and any amount Budgeted in Future, if applicable.
Let’s stop here for a minute, just in case your To be Budgeted was negative. If it is, you would need to subtract it from Total Available, because that means you’ve given jobs to dollars you don’t yet have. Preferably though, you would go back to this month’s budget and budget less in a few categories until To be Budgeted is back in the green at $0.
4. Now, add up the cash in your accounts. That includes checking, savings, and cash accounts, plus any positive balances on credit cards if applicable.
5. Your totals in step 3 and 4 should match, to the penny.
As long as your account balances are right, and the above checks out, you're all good to go! :)