I have a few linked savings accounts, which I like to see, but I don't necessarily want that money in my "to be budgeted". While it is there, and it can be used, it's not there to be used yet.
What are ways that people get to a zero-based budget in YNAB with these savings accounts sitting there? Should I just make a category and "move" that money to a category?
Forty Family said:
While it is there, and it can be used, it's not there to be used yet.
Every category is like that. I save my Mortgage payment for about 12 days, my Amazon Prime money accumulates over a year, so saved for 6 months on average.
Saving is merely delayed spending.