Used ApplePay and need help with YNAB entry

My brother sends me money to give to my mom. He sends $500. I forgot to transfer it to my checking BEFORE using ApplePay so I ended up paying for something that cost $165.00 and I have no idea how to track it in YNAB.

So now I have a $165.00 entry that makes no sense. I can’t put money towards it? Usually the $500 cancels out and I stash it in “stuff I forgot to budget for” because it’s a pass thru. I don’t think I can track the $165.00 now. Any ideas? 
 

Oh I can split the cost on the -500 maybe? Even though I did send $500 to my mom. It would seem like I only sent her $335.00 but then I can track my real expense since what I send to her is normally just canceled out and should effectively be $0. That’s the best I got. 

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  • I would make the $335 inflow to your checking account into a split transaction:
    +$500 Stuff I Forgot to Budget For
    - $165 category for the expense you paid

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  • Pink Boa Hmmm! We want YNAB to reflect reality, so if that $165 expenditure happened in an off-budget account, my best recommendation would be to leave it off-budget. Here's what that would look like: 

    • Enter the $335 inflow as it happened - this will leave you with a $165 deficit in your "Stuff I Forget to Budget For" category. Then: move $165 from the category you would have used for the $165 expenditure to your SIFTBF category to cover the underfunding.

    Does that sound like it could work? Let us know how it's going! 

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      • Pink Boa
      • Pink_Boa.14
      • 2 wk ago
      • Reported - view

      Rachel  I think that is essentially what I ended up with (described in the later of my original post). But I just replied to another commenter and I think to reflect reality, I should do a manual override to be accurate. Right now, it’s a math fix but not an accurate reflection of transactions that have occurred. Regardless, I’m over the hurdle now and have 2 viable options. Thank you for your comment. 

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  • It sounds like your ApplePay account is on budget and the thing that gets you confused is the relationship between accounts and categories. Money is fungible. The money is any given category in your budget does not reside in any particular account. I think you should read this: https://docs.youneedabudget.com/article/1679-why-doesnt-my-category-balance-match-my-account-balance 

    Because your problem is absolutely not a problem. You enter the $500 inflow in your ApplePay account categorised to SIFTBF. Then you enter and categorise the $165 expense to whatever category you want from the ApplePay account. Now when you go to transfer the $500 to your mum, you can't do it from the ApplePay account as you don't have enough there, but you have the money in another account. So just use that other account to transfer the money and categorise to SIFTBF. If it needs to come from the ApplePay account, transfer the money from another account to ApplePay first and then transfer to your mum. Whatever, all that matters is you have $500 in a single account and you can make a transfer to your mum from that account.

    $500 is $500 whether it comes from account A or account B. Then keep the $335 in ApplePay account or move it to another account if it's more convenient for you to access the money from another account. Whatever is more convenient for you (it doesn't matter for YNAB).

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      • Pink Boa
      • Pink_Boa.14
      • 2 wk ago
      • Reported - view

      Ceeses  that’s the problem. I won’t have $500 inflow. What you are describing is what I’d normally do. So here is the activity for SIFTBF. The full $500 was never in flowed. So I just split the outflow where you see the split icon to cover my expense. 
       

      Except I could have $500 inflow, if I simply override the inflow amount to what I know it is. And that would also work. It would be a manual entry. 🧐 I think that’s a good way to go actually and it would reflect reality. Right now I have a math fix. 

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      • Ceeses
      • Ceeses
      • 2 wk ago
      • Reported - view

      Pink Boa Then do what srg said in the first reply. The inflow is a split transaction. The total is $335 but it's +$500 to SIFTBF and -$165 to whatever other category you need.

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      • Pink Boa
      • Pink_Boa.14
      • 2 wk ago
      • Reported - view

      Ceeses  yes it’s the reverse but that was in my original post. I have to split the outflow not the inflow. Which is what my pic in the reply to you is showing.

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      • Ceeses
      • Ceeses
      • 2 wk ago
      • Reported - view

      Pink Boa You can do either split the inflow, split the outflow or move money between categories in your budget. With a split transaction you will have a record of the spending for the $165 in your reports which you won't have if you simply move money in the budget.

      Personally, a split of the inflow transaction is easier to understand for me but if you understand better when you split the outflow, go for it.

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