CC Confusion

Hi! I'm now at the end of my first month with YNAB and I'm a little confused. I'm not riding the CC float, as I have more than enough money to pay off my CC at the end of each month. What I do, however, is use my credit card to pay for things over the course of the month to get points, and then pay it off at the end of each month. I only use my CC to pay for things I have already budgeted for in YNAB. 

So yesterday, I paid off the Chase CC for the month. And today, the transaction from my bank account showed up...and left me with a positive balance in my "Stuff I Forgot to Budget For" column. I'm confused. I've tried deleting that, and manually recording a payment to my Chase CC, but that leaves me with a positive balance in my CC column. What should I do here? If I try to designate that money as "To be budgeted" that makes no sense to me; I already DID budget those dollars. Also, for some reason, there is no "activity" in my Chase CC column, even though there was most definitely activity. 

I'm not sure if I'm making any sense, but I'm very frustrated. I thought I had finally come to understand the CC function, and now I'm back at square one. 

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  • CC payments should be a transfer from the  bank account to the cc account.

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  • Sean said:
    I'm not riding the CC float, as I have more than enough money to pay off my CC at the end of each month

    Having "more than enough money" is not really a consideration with regard to the float. If the relevant CC Payment category Available does not cover the entire debt (account balance), then you are riding the CC float within your spending plan. However, given that you pay the entire account balance and don't have overspending shown in the Payment categories here on the 1st of the month, I suspect the plan is in order (i.e., not riding the float). I just wanted to make sure, since this is a common source of confusion with other users.

    You should also be aware, that paying the account to $0 is more likely to introduce additional work/confusion if a return results in a credit balance on the card. Most paid-in-full users just pay the statement balance on the due date, sidestepping this issue, and earning interest on the CC's money that they have yet to request. Your choice, of course, so just a heads up if you continue your current practice.


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  • I'll echo dakinemaui here - having "enough money" to cover the payment does not necessarily equate to having money budgeted correctly to cover the payment.

    Just to review - money should be budgeted from TBB to categories. Then as you spend throughout the month, you are applying each transaction to a category. The money automatically is deducted from that category and moves up to the credit card payments category. When the due date comes around, you should be paying whatever amount is in the credit card payments category (in green), which should match up to your balance (on the left side of the budget next to that credit card) if you are not carrying any debt as you mentioned here. The only exception to that is if there are pending transactions that have not cleared the card yet, in which case the payment will be higher than the actual balance, and in some cases the card won't let you over pay even though those transactions are pending (very annoying in my book).


    It isn't any more complicated than that. All you need to focus on is keeping the categories funded.

    If you are setting up YNAB, and had a balance from purchases that were already on the card, then you will need to directly apply that amount from the To Be Budgeted (or another category if you've already dished out the money into all of your categories) to the credit card payment category to cover the payment.

    It might be easiest to hit the help ? down in the bottom right corner of your budget, and get someone from tech support to take a quick look at things and make sure you have them set up correct. The positive balance is coming from somewhere, which likely means that you've moved money around to a place that it probably didn't need to go. They have been very quick to help me get things sorted out when I've done something that resulted in something that didn't make sense in my budget.

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