Where's my Quick Budget spending goal?

Am I blind or is the button for quick budgeting my spending goal gone?  The category sidebar has gotten extremely cluttered with recent updates and I wish at this point we could reorganize it into modules or something.  But that's  besides the point.

Do I have to type it in manually every month and look for a yellow warning? What if I'm budgeting more than my planned goal? I don't want that.

 

   

35replies Oldest first
  • Oldest first
  • Newest first
  • Active threads
  • Popular
  • Hey Annieland ! Yes, there are changes to Quick Budget, including new bells & whistles for Underfunded. The Goal Target option is now a part of Underfunded, see the Help Doc for details on the updated logic

    And as you've noticed, when you've funded a goal for the month—Underfunded will no longer be in the list, as HappyDance mentioned. Try flipping forward to a future month and you'll see it pop back up.

    Like
      • Annieland
      • I was told there would be no math.
      • Annieland
      • 11 days ago
      • Reported - view

      Nicole It sucks.  And now I am compelled to change my funding of some categories so that nothing is "overfunded" because then there is no use to alert if I'm permanently ignoring it.  But thanks for explaining and confirming the change for me.

      Like
    • Vibrant Happy to clarify! Underfunded considers the following: Goals, Scheduled Transactions, and any overspending, and applies dollars to those categories from To be Budgeted. I'll ask the team to update the point in the section you outlined.

      Like
      • Annieland
      • I was told there would be no math.
      • Annieland
      • 11 days ago
      • Reported - view

      Nicole Yeah their post disappeared, maybe being edited, but that was an excellent point!  A lot of people rely solely on scheduled transactions, and I probably rely on them for at least a quarter of mine.

      Like
    • Annieland
    • I was told there would be no math.
    • Annieland
    • 12 days ago
    • Reported - view

    Ok now, what the hell is "Reduce Overfunding?"  I just saw that pop up in the global budget sidebar.  Maybe I need to read the last Release Vignette again.

    Like
    • Annieland This didn't make it to the Release Notes, but you make a good point. I'll let our team know you expected to see it there! We've added more description in-app, both when you hover over the buttons and alerts like this one:
       

      Like
    • Nicole So, now I can't fund all my goals/scheduled transactions if they'll make TBB go negative? 

      I like being able to whittle away to get TBB back to zero, especially if overspending is involved. 

      Similarly, why should YNAB think my categories are in priority order? I've got bills and stuff I need to make sure is paid at the top, but the next things are relationships/gifts/hobbies/fun - otherwise known as discretionary things. They are not higher priority than the savings categories below them. 

      In fact, I put my highest priority savings categories at the very bottom so that I can really easily scroll right to them. Next highest is above them, and savings categories that are OOSOOM are at the top of the savings categories. The bridge between savings and discretionary is the wish farm, and that's buried in the middle of my budget (lowest priority).

      And what about people that budget paycheck by paycheck? I've seen people with Check 1 - Fixed Needs, Check 2 - Fixed Needs, then 1&2 True Expenses, then 1&2 Variable Needs, then 1&2 Fixed Wants, then 1&2 Variable Wants, etc. The new way underfunded works would mean they'd have to completely split the functional groups in favor of checks. Easy to budget, less easy to check the categories before spending.

      Just playing devil's advocate. I understand not wanting to automatically effect an invisible negative number with the combination of an unexpected quick budget + SFTF, but... Why not just fix SFTF so people can decide for themselves with accurate budgetary info?

      Like 2
    • P.S. I saw the new buttons this past weekend, but I was just trying to check budgeting off the list and didn't explore.  That is definitely an annoying thing about SAAS. I can't choose when to sit down and learn the new software functions on my own schedule as easily. Luckily, YNAB hasn't often put a wrench in my work by forcing me to learn a new workflow before I can actually use the tool normally (can't say that for some others-played a major role in deciding to continue their subscription or not), so thanks! 😁

      Like 1
      • Bruce
      • Software Engineer
      • Bruce
      • 11 days ago
      • 2
      • Reported - view

      Move Light Sound Life It goes based on date of goal, if you have goals with dates, the earlier ones get funded first.

      Also, if you deselect one category, you can still go negative.  It only doesn't go negative if all (or none) are selected.  Probably as a deterrent to people accidentally hitting the button with nothing selected, and all of a sudden really weird things have happened to their budget.  This way, it has to be somewhat intentional.

      Like 2
    • Bruce Aha! Like I said, I haven't played yet. 🙂 Thanks!

      Like 3
      • Herah
      • Orange_Clarinet.7
      • 11 days ago
      • 1
      • Reported - view

      Nicole If you have many goals with the same date (like end-of-month), what order will they be funded in?

      Like 1
    • Herah I believe it's top-to-bottom based on how you've sorted your categories!

      Like
    • Move Light Sound Life Is that workflow for budgeting new income? When you select specific categories (individual or multiple, groups too), Underfunded will continue to allow overbudgeting for your workflow. Once you've had a chance to give it a try, I'd love to hear how it goes! In my personal budget I do the opposite, and select categories or groups until that Underfunded number approaches the amount ready to assign in To be Budgeted.

      The order is a piece of it, but not all. Goals or scheduled transactions and their end date also play a role. The detailed logic is noted here. Underfunded is smart and knows if you're starting on the 16th, that next month's bill for the 15th doesn't need to be funded yet. I think this is especially helpful for folks who budget paycheck to paycheck, simplifying that repeat priority decision making—but also allowing room for flexibility with selecting specific categories or groups!

      Like 1
    • Nicole When we started using YNAB, yes.  That was our workflow.  Once we realized we ought to reconcile at the start of a budgeting session, we often had overspending that needed to be rectified before/when we budgeted the new month (in the middle of the month).  Often, that overspending would dictate how much we could put towards our normally budgeted priorities, because we had a green TBB and red categories.   We would then painstakingly and painfully reduce funding to our higher-priority savings categories to make everything work again (we weren't funding lower priorities at that time). 

      'Course, right after we funded that month's bills (which would roll over to the next month), we'd flip to the next month to pretend to sequester $431.17 for groceries, gas, household, and fun money for the following month, thinking that that would shelter those funds until we got paid again...  Haha (not really), SFTF and the WAMming from the first half of the month would mean that we would trip over ourselves trying to chase numbers to try out different scenarios of what we could live with, priority-wise.  I'm not sure that the Money Moves would have helped us at that point, except as a way to keep us on the path of chasing numbers.   As it is, we were trying to develop a template for the month in the interface that showed all of the flexibility in the same (budget) cells.

      I'm sure it didn't help that we were just married and hadn't figured out what our normal expenses even were, much less what our priorities were (we talked about all the other major things before marriage, but this one waited - thank goodness for YNAB!).  We were really trying to use the software to figure things out as we went, but after hours of frustration one month, we turned to fiddling with the plan on paper so that we would know what to put in YNAB.  I'm sure I've recounted that before. =)

      So, no, that's not my current workflow.  My current workflow is to develop a template for my base income in a spreadsheet outside of YNAB.  Since my True Expenses are normalized, this doesn't change unless we're making a lifestyle change/income adjustment.  I don't often change it for little things until they've built up, either - those just happen in YNAB.  I then categorize all income to INM to keep the TBB clean throughout the month (so awkward to check the grocery category on/after payday and accidentally display some large number to those around you!).  Any overspending must be taken care of in the month it's in, so no pulling new income to cover.  I've set monthly contribution goals (idk what they're called now) to match my template.  When I'm ready to budget the next month, I recategorize the income, quick-budget everything, and decide where to put any excess. 

      Actually... that was the process for the past year.  For the last three months, I've tried the workflow where I store the nominal budget values in the next month, including my base income as a negative number in INM.  Then, when I'm ready to budget, I recategorize, flip two months into the future, click "budgeted last month," flip back to the month in-between, and delete the INM value.  I'm not sure if I like it yet.  It's definitely less clicks than using goals, though.  It just means that the month three months from now has a negative TBB so I have little recourse from SFTF.  We haven't had a lot of daily interaction with the budget lately, though.  I will likely go back to how I did it last year.  A template would be nice, instead.... 

      Imagine - just a few questions in the UI like "When is your budget day? How much money will you have to work with on that day?" and BOOM!  a template that's not applied to budget categories just yet.  A sandbox to play in as the YNABer works through possible plans.  One click for "Apply Template" (if someone wants a template for each paycheck, the one for the correct date can be automatically prominent) or a button right next to it for "edit template" would be great for those newbies that really should have new nominals as TEs become normalized, or anyone who wants to make a change. 

      Exactly how that feature would be framed so that the correct importance is placed on budgeting only money you have today (for newbies) is still unfinished in my mind.  However, once a user is budgeting on last month's income, a true template would be nice. 

      Just thoughts.  I also can't scroll to see what you wrote and determine how far down the tangent I went.  Hope I provided good entertainment!

      Like 1
      • Herah
      • Orange_Clarinet.7
      • 10 days ago
      • Reported - view

      Matthew Also, the Order Logic section doesn't mention scheduled transactions, although the summary says they are considered.  I guess they get interleaved with the Needed For Spending goals?

      Like
    • Herah That's exactly right. Scheduled transactions are weighted equally with "by-date" goals.

      Like
    • Annieland
    • I was told there would be no math.
    • Annieland
    • 12 days ago
    • Reported - view

    Ok, I hit Reduce Overfunding since we now have the handy dandy budget ticker tape to see what this is.  It took money from 3 categories. $60 from Pest Control??  It seems in 2018 I set a goal to have $300 set aside which I did, and thankfully a little RoundUP has kept things under control so there's still $300 sitting there.  So I'm gonna have $60 less of bugs or mice in the near future?  Where did this crystal ball come from?

    Like
      • satcook
      • satcook
      • 11 days ago
      • 1
      • Reported - view

      Annieland Yes, the reduce overfunding takes anything extra from goals you have set.  Sometimes I agree with YNAB, sometimes I don't. :-)

      Like 1
      • HappyDance
      • YNABing consistently since 2014
      • HappyDance
      • 11 days ago
      • Reported - view

      Annieland 

      I had a little fun playing around with the Reduce Overfunding option, too, when I noticed it.

      It doesn't really work as designed for me because I deliberately misuse the spending goals for categories I'm building up based on the frequency of weeks within a month. What I really need is the option to save based on weeks, but as that isn't an option, I use the spending goal quite liberally. Since I don't spend some of those categories to 0 each month, the category looks rather bloated (technically has many month's worth of "spending" in it), and the reduce overfunding option ruthlessly cleans all those categories down to 0.

      Like
      • Annieland
      • I was told there would be no math.
      • Annieland
      • 11 days ago
      • Reported - view

      HappyDance But with my Pest Control example it doesn't even make sense to me.  It wasn't a spending goal, it was a SAVINGS goal.  In 2018 according to the inspector header.  I saved the $300 and left it there.  Haven't had an infestation yet (although we know today I will) but it says I'm free to take $60 out for S&G.  That makes NO sense, sorry.

      Like
      • Annieland
      • I was told there would be no math.
      • Annieland
      • 11 days ago
      • Reported - view

      Nicole If I want to clear out anything that YNAB considers "overfunded" according to my goals, can you just tell me why it suggests I take $60 out of my $300 savings for mouse traps?  I mean, it's a savings goal I set and forgot years ago (fortunately!) and I could easily just get rid of it.  But what is the thinking here?  Why would fully funded category be considered over funded?

      Come on, someone's gotta explain this dialog to me. 

      Like
    • Annieland I was just about to ask for a screenshot, so thanks for reading my mind! 😉 This one does look odd. Since your Target Saving Balance goal is met, there is no extra to remove.  If a date was set, and you were "ahead" on the timeline—I would expect it, but that's not the case.

      Try deleting and re-adding the $300.00 goal and let me know if that changes anything!

      Like
      • Annieland
      • I was told there would be no math.
      • Annieland
      • 11 days ago
      • Reported - view

      Nicole Oh wow, this is getting good. I'm taking a screenshot each step of the way but it's getting crazier and crazier.  Yes, seems my original goal from 2018 was by Oct. that year.  I deleted it and it showed "over funded $300" for a minute, and then self-rectified before I could screenshot that, I guess.  

      And NOW I'm trying to re-implement a savings goal, for let's say $300 by July 2021, and I'm getting this faded out "Rectify Difference" button.  

      Like
    • Annieland Thanks for documenting it step by step! Do you use the Toolkit extension by chance? If you do, try turning that off, to see if it helps. Rectify Difference is an option there, I believe.

      I'll reach out via email, just in case we need to loop in our Bugs team.

      Like
      • Annieland
      • I was told there would be no math.
      • Annieland
      • 11 days ago
      • Reported - view

       Ok I'll do the screenshots and then I'll finally shut up.

      I do use the toolkit, yeah.  That's why a lot of times I don't bring up weird stuff because I assume it's something with the ToolKit messing around.  But here's the sequence:

      1. My old goal, looks like it was target savings by date.

      2. I deleted it.

      3. Added a new Target by date, and it seems fine but the Rectify Difference thing is weird.

      4. Did a bunch more fooling around and the Rectify thing seems to be permanently gone.

      I think I'll just retire my Pest Control goal and leave my lock icon to remind myself not to buy pizza with the money, especially since someone always leaves it out on the counter (or on their bedroom floor 😎).

      Like
      • Annieland
      • I was told there would be no math.
      • Annieland
      • 11 days ago
      • Reported - view

       Aren't you glad I'm a beta tester?? Even if an obnoxious one, at that.  Just hear Leah Remini when you read my posts.

      Like
    • Annieland Yes. Thank you! It's always good to check. With the Toolkit off, that goal is behaving as I'd expect—and the Reduce Overfunding option is no longer visible. If anything else pops up, let us know!

      Like
      • Annieland
      • I was told there would be no math.
      • Annieland
      • 11 days ago
      • Reported - view

      Nicole I actually never turned it off.  I did all that before I saw your suggestion.  And I just went down all the toolkit options and I don't see anything that would relate to the Rectify Difference grayed out option.  

      Basically, whether the toolkit or YNAB, something didn't like that this was an ancient and fully funded goal.  We'll see if it pops up for anyone else with legacy goals still set.

      Like
  • The "underfunded" button disappears if the category is fully funded for the month.  Try deleting the budgeted amount for the category, then selecting the category again.  You'll see the "underfunded" quick budget button as an available option when you do so.

    Like 1
      • Annieland
      • I was told there would be no math.
      • Annieland
      • 11 days ago
      • Reported - view

      HappyDance OMG I am trying really hard not to curse right now.  All my goals that I live on are messed up!!  Yes, like you, I over fund on some, very specifically.  But I can deal with the "overfunded" thing.  Whoopdeedo, who needs it.

      But taking away my quick budget for goal!??!?!  I double check my goal assignments throughout for next month, and sometimes even the current month.  Now in order to check if I have the right amount (and not more, even!) I have to delete the budgeted amount, look for an orange box yelling at me in the inspector, look for the tiny black dollar amount and type it in, or scroll all the way down to find it in the underfunded.

      What the hell is this???  BUDGET GOAL AMOUNT!! Put it back!!  Some people actually budget their freaken goal and not just wait for something to be in the negative.

      Like
    • Annieland
    • I was told there would be no math.
    • Annieland
    • 10 days ago
    • Reported - view

    And now, Budget for Upcoming is gone.  Sure, it's now apparently roped into "Underfunded" but when it's OVERFUNDED I don't see an alert.  I just got a small reimbursement for my last 3 cable bills and put the extra in the category, and went to look at April to see what extra was there.  I'd usually use a "Budget for Upcoming"  to see what extra would be left over, but now I have to delete the budgeted amount, see what's underfunded, and add it back.  

    This is going to be interesting to see moving ahead, categories where I have upcoming expenses and also put more funds in.  When something is "overfunded" I find visibility lacking, unless I look at the global amount, reduce the funding, and look at the budget audit trail to see what went where and then undo.  And here I thought I'd NEVER need the budget audit trail.

    Like
    • Annieland Do you not have this?  

      I had to go to April to see it, as that bill has already been paid in March. 

      I am reminded that I would like to see Committed Transactions have an effect on the budget...

      Like
      • Annieland
      • I was told there would be no math.
      • Annieland
      • 9 days ago
      • 1
      • Reported - view

      Move Light Sound Life No, I do and always have.  There just used to be a "budget for upcoming" quick budget and also the aforementioned "budget goal amount." So we've established they've been rolled into Underfunded.  I'm just saying in that same vein, why not also have an Overfunded?  

      Probably like most of us, I have a certain "muscle memory" workflow where my eyes know where to dart for each category and when.  For reasons I can't even explain, there are times I compare my goal amount, to maybe upcoming, or to averages or whatever.  With some stuff being merged it's hard to see.  

      I actually went into April and did a very rare set all budgeted amounts to Zero.  And then hit Underfunded to see what this whole AI algorithm would do (and I love algorithms!!).  It was pretty wild and there was definitely stuff I needed to clean up because it strayed way too far from how I normally set certain categories.  But it was interesting nonetheless.

      I'm not ranting and raving, I'll just adjust and then probably forget the way it was before.  I guess a lot of new users just really, really rely on goals and the challenge to keep them minimally funded.

      Like 1
  • Nicole said:
    if you're starting on the 16th, that next month's bill for the 15th doesn't need to be funded yet

     But, why?  Isn't that encouraging budgeting paycheck to paycheck?  What if you're not getting paid again until next month's 16th?  After these next two thoughts, I'll bow out.  I obviously don't use dated goals, nor do I see a point for them.  If I'm ever not a month ahead, I would want to be more hands-on with my budgetary decisions.

    Smart technologies do run the daily risk of being called dumb by the children when they don't work as is needed.  Heard at least once a month in my classroom, "Ah, the smartboard can't do that."  "The smartboard isn't smart."  It's usually a younger students who has recently grasped that the word smartboard is supposed to mean something.   I personally enjoy it when they blame internet/other software limitations on the smartboard...

    It is always a fine dance to play among the lines of eliminating manual repetition (the point of technology), taking a process to another dimension (something technology enables), and still maintaining the response, control, and flexibility that the analog experience provides (things technology often railroads).

    Like 2
  • I started reviewing my goals with this feature in mind, and the more I look at it, the more I realize how complex it is.

    For example, how exactly does Needed For Spending Weekly work with rolled-over balances?  If I have a $40/week goal, and I have a good month and let $50 roll over, is it skipped on the first pass because the first week is already funded?

    And, because I'm still paycheck-to-paycheck (which I think is the main audience for this), on the last paycheck of the month after funding monthly expenses I flip to next month and fund through the next paydate, then return to the current month to fund True Expenses and so forth.  What does that workflow look like if I want to take advantage of this?  Do monthly expenses separately, then use Underfunded on the full budget?  Overspending on True Expenses wouldn't get the right priority then.  Do next month manually first, then return to this month and use Underfunded?  Just use my current process on the last paycheck?

    Like 1
Like Follow
  • Status Answered
  • 9 days agoLast active
  • 35Replies
  • 283Views
  • 9 Following