How to not have money rollover each month
Does anyone know how to not have money rollover each new month in categories where you did not spend the budgeted amount from the previous month? For some reason, this feature in YNAB confuses me, and I'd prefer to start each month fresh to track my spending in all of my categories.
Thanks so much!
Hi EwelinaOlechowska !
There isn't a way to automatically clear out those Available amounts when the month rolls over, but you can do so manually as dakinemaui mentioned.
Are there certain categories causing confusion here? Letting funds roll over from month to month lets you build up funds in those categories and see how much you've saved.
It's your budget, but how are you going to save up for anything if you don't let the available balance roll over? Like, you're saving up for an annual vacation and you've saved a total of 549.71 in November and now it's December and you have to remember that you already had $549.71 and now you have to also add another amount for the new money that you are saving.
I sweep categories like groceries, dining out, and gas each month, but I let the other 65+ build up over time so that I can see the progress I am making on meeting my priorities and plans.
I keep the nominal amount in the category name for reference. Others have it in the Goal display. Either will let you sweep without losing that metric you mentioned.
The notion of manually "sweeping" a bunch of categories every month seems burdensome, and for those of us with a variety of categories regrouping everything to try to simplify a sweep process doesn't make sense either. Why couldn't there be a way to do that automatically, maybe with a new type of budget goal?
Let's say I have a cell phone bill with a monthly fee plus a variable amount based on usage. I want to budget roughly what I think will be the total, and I don't want to roll an overfunded month into the next month and then pile the following months budget on top of that. My cell phone budget is not for savings. Groceries for some people fall into that same budgeting thought process.
So, back to the cell phone bill: this type of budget item wants the next month to either start from zero, OR for the previous months overbudget to count towards the current month.
Pretty sure YNAB was able to do something like that in an earlier version. Adding a budget target to the name sounds like "workaround," when in fact YNAB should have some solution to this available as a feature. Kind of mystified this isn't already available.
Plus a feature to see how frequently I over/under budget so I can plan accordingly. =)