Unspent Funding Goals Not Carrying Over?

I'm looking at my "Gifts" Category.

In September I see that "You've reached your goal!" But when I roll over to October I get a message that says, "Budget $497.01 to stay on track. $497.01 for the removed money and $0.00 to make progress."  

Where did this $500 go and why isn't it rolling over? 

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  • At some point you removed $497.01 from the gifts category.  See the negative number in the budget line?  Change that number to $0 which will make your TBB -$497.01.  

    You also have $524.15 of overspending in September that you need to fix.

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    • Argh.  This is maddening!  I'm almost positive this whole budget is out of whack now and I'll have to do another fresh start.  

       

      How does September show a $0 TBB and $500 available for gifts and then October shows a $0 TBB and -$500 available for gifts? 

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    • satcook , thank you for your help.  I didn't mean to come across as ungrateful. 

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      • satcook
      • satcook
      • 3 wk ago
      • 2
      • Reported - view

      Violet Tugboat You can definitely still trust your budget.  This is an easily fixable problem!

      It's not your available.  It's your budgeted number.  Did you move even more money out of gifts since the first screenshot??

      And have you found your overspending in September?

      Like 2
    • Violet Tugboat The negative budget entry in Oct means you took money out of the Gifts category (and presumably put that elsewhere in the budget). If Gifts is still a priority, you should move funds from lower priority categories to help build up that balance.

      The math is correct (although admittedly confusing). You must realize that it only looks at the previous month's Available (and the final date) when computing how much each month's Available should be. Based on that, October's Available should be $500. If you look in November, it will try to make up the $497 deficit over Nov & Dec (so half in each), assuming you don't change October's budget entry.

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  • I'm not sure there was actual overspending in Sep because that number is exactly what was budgeted in Oct, but the opposite. And shouldn't the "Budgeted in Oct" number be negative? I would just remove all of the numbers in October's budgeted column and see what it looks like tomorrow, which is when the $500 in gifts should roll over. Leave whatever's in TBB there til tomorrow, but do double check all categories in Sep to make sure there is no overspending.

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    • Periwinkle Flute I believe you're thinking of the Spending goals which will ignore the carryover balance until the month changes in the real-world. Savings goals (and the entire rest of YNAB outside the Spending goals) work immediately.

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    • Periwinkle Flute Okay, I have removed all the numbers in October's budgeted column.  Screenshots are what I see at the moment.  Unless I'm advised otherwise, I won't touch anything else until tomorrow.  Then, is the plan to reevaluate where I stand tomorrow (Thursday 10/1)?

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    • Violet Tugboat No need to wait, tomorrow won't change anything.

      The issue at present is the -$524 shortage in TBB. That indicates an infeasible plan. You also still have red overspending in Sept (indicated by the October header next to TBB). It's recommended you take care of that in the same month by moving funds from other categories to fix any red categories. If you don't, then YNAB will take it out of the following month's TBB, so your next paycheck won't be able to go as far.

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    • dakinemaui   Sorry for confusing things...

      Could someone clarify for me then, if there's nothing budgeted in Oct why doesn't the negative TBB show up in Sept?

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      • Rakuna
      • rakuna
      • 3 wk ago
      • Reported - view

      Periwinkle Flute Because that overspending is in one of the categories in September. The overspending (=negative available) is removed from a category when the month rolls over/you look at the next month and subtracted from the TBB there.

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    • Periwinkle Flute Right?  That puzzles me too. 

       

      Okay, So I don't see any reg categories in September or October.  I did reduce the budgeted amount I had for a category in September so that way my TBB is at $0 for October.  Now, I need to find a job for the $524.15 TTB in September.  If I do that however, don't I end up at square one where I was when I made this post?  

       

      Any suggestion for next steps? 

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    • Violet Tugboat It looks like the overspending is in a category in your Debt Payments group—have a look in there, cover the overspending, and you should be all set!

      Like 2
    • Matthew , thank you for pointing out the Debt Payments group.  I think I fixed it by covering the overspending.  Can you look at the screenshots and confirm?  I THINK from here, I just need to give each dollar a job and and I'll be all set?

       

      Won't be able to review this from a computer for a 3-4hours.  

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    • Violet Tugboat Looks good to me! 👍

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      • MXMOM
      • MXMOM
      • 3 wk ago
      • Reported - view

      Violet Tugboat yes budget the $809.36 to something in September or October and it should be $0 TBB. AS Periwinkle Flute said, I do the same and have a category in the current month where I hold my “month ahead” funds. Then when the month tips over I empty that category to TBB and budget from there. 

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  • I hold all of next month's income in NMI til the first of the next month. So, although I understand some of the issues that can happen with overspending, stealing from the future, etc. obviously I don't have a great idea as to the actual mechanics...

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