YNAB Month rollover behavior

Dear Pro YNABers .

Since the beginning of my experience with YNAB, month rollovers are a tad confusing to me . It does feel that YNAB Chaos Monkeys takes all my budgeted money, throw it in the air and it goes to different place all the time....

Ok I know it is not that ..... But that is my second thread on this and I clearly didn't got it the first time. But now, to understand better the infamous month rollover, I purposely created 2 differents condition in my budget to experiment. In my Just For Fun Categories, I have the following 3 items:

  • Drinks (with a Monthly goal of 80$). Had manually budgeted $180, used $18.51 in April, remaining $161.39
  • Dining Out (No Monthly Goal). Had budgeted 300$, used 204.21$, remaining $95.79
  • Fun Money (No Monthly Goal). Had budgeted 200$, used 0$. Remaining $200

So April pass the puck to May.... 

  • Drinks (still with a Monthly goal of 80$). budgeted $0 so far, $161.39 remain in the envelop.
  • Dining Out (No Monthly Goal). Does show a budgeted amount of -$96.79 .
  • Fun Money (No Monthly Goal). Does show a budgeted amount of -$200 .

(See Screenshots for details)

So on the Drinks Categories, where I had a budgeted money AND a goal... nothing happened. The money stayed comfortably in place, awaiting to be consumed on my worst sins (Either a Starbuck Grande Non Fat Latte, or a good local craft beer!). So I am safe here....

For Dining Out and Fun Money, where I had budgeted money BUT no goal... Well stuff happened. The Chaos Monkeys clearly moved the money somewhere. But where? Is that money go sucked in TBB ?  Because activities show 0$, I have no indicating where it went. 

So..... can I take the granted the following with YNAB. When a month roll-over, Any budgeted money align to a category in YNAB:

  • Will be moved to TBB if the category has no goal.
  • Will remain in the category if there is a goal.

 

Thanks! 

Eric

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  • Did you hit a quick budget option or move money out of the categories in May? That's what changes the Budgeted column (in addition to manually changing the number).

    Reply Like 1
  • Goals themselves won't cause anything to change. If you use a quick budget option, it may make changes based on your goals, depending on the option you choose.

    Reply Like 1
  • Well.... if I pressed the Quick Budget, that was surely by mistake. I'm 80% positive I did not do this but I know that on the mobile phone it may be complicated. It just it would have been weird that, by accident, it Quick Budget on 2 items how of 3, while my goal was to see what would happen.

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      • bevocat
      • Sometimes, It Just Sucks to Be You
      • bevocat
      • 6 mths ago
      • Reported - view

      Eric Poulin It strongly looks to me like, if you had the two categories highlighted to look at them in the inspector, and then accidentally clicked the "set available amounts to zero" link.  FYI, there's no warning or confirmation if you do this.

      Reply Like
    • bevocat Ok. Got 3 comments outline I probably did the mistake so all good. I made have made the mistake then.

      So any budgeted amount not use in a category will always remain in the same category when YNAB goes to the next month? There are no caveats for that?

      Reply Like
      • bevocat
      • Sometimes, It Just Sucks to Be You
      • bevocat
      • 6 mths ago
      • Reported - view

      Eric Poulin Any positive available amount will remain in the available column. If you leave a category with cash overspending in it, that negative available amount will not carry over to the next month. Your TBB for the next month will be reduced to cover the cash overspending. If you have overspending in a category and any of the purchases in the category were made with a credit card account, YNAB implicitly assumes that you intended to create debt and will first attempt to cover the overspending by creating new debt on your credit card before resorting to deducting from TBB for the next month.

      So I can't categorically confirm your statement.

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