Negative bank account
Greetings from Brazil!
As I'm using YNAB from outside the US, it is possible that I could use some different financial language , but let me try...
I am starting my budget and unfortunately I am on debt. To begin with, I am using a direct credit line in my bank account, i.e. - I have a direct bank account credit limit of 20k, of which I`ve spent 5k, in other words I have a negative balance of 5k.
In such situation, what should be filled in the bank account to be budgeted? 15k (remaining value of the credit line), zero, or -5k (limit used so far)?
Unfortunately for the next few months I will need to continue using the bank account credit limit, and some payments should increase the negative balance.