Available not matching what I actually have to spend

This is driving me crazy. I want to trust YNAB, but I don't think I can and want to figure out why.  All my accounts are reconciled and the total available matches the sum of my bank balances plus TBB. However, YNAB is telling me that I have money left TBB that I don't think I really do. 

If I take my bank account balance and subtract all the items I have already budgeted, I expect to get the TBB amount. I put it all into Excel and realized that if I budget all the money YNAB says I have, I would run out of money in my checking account. My savings are already put into a category so that money is not available TBB.

I am wondering if the reason has to do with budgeted credit card spending? I understand how credit cards work in YNAB but if I pay the amount which YNAB says is available for payment, it's more than I actually have. 

I want to trust YNAB and not spend hours double checking with Excel, and if I keep building up a TBB balance then it will never work properly.  Any ideas what I have done here and how to fix it?

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  • My guess is that you'll want to do a one-time budget of that TBB amount into your CC payment category. 

    After that, your TBB won't increase because credit card spending will be automatically sent to the CC payment category.

    Like 1
  • My guess is that some of that money in savings isn’t in the savings category like you think it is. 

    Like 3
    • satcook I think you are right!  I have an offline high interest savings account I use to save for my daughter's school tuition. Somehow the balance in that category was not matching the account balance so I used TBB to increase the available amount in that category to match the account balance. I also realized that my general savings account was slightly off from what I had in my General Savings category.  I adjusted that and now it is matching perfectly!!  Thank you!

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      • Superbone
      • YNAB convert since 2008
      • Superbone
      • 12 days ago
      • 6
      • Reported - view

      Purple Mixer Don't get hung up on matching categories to accounts. It's also best practice to keep your savings accounts in your budget. Read this a few times until it sinks in:

      https://www.youneedabudget.com/the-relationship-between-your-budget-your-accounts-its-complicated/

      Like 6
    • Superbone Thanks. This makes sense to me. The tuition savings account is only and completely for my category "school savings", so I think it should match.  Mostly the same with my general savings, although I sometimes move money in and out of there for different purposes but I know how much is supposed to be for general savings and that wasn't matching the amount that was in my general savings category.

      I love YNAB for this differentiation!  

      Like 1
      • Superbone
      • YNAB convert since 2008
      • Superbone
      • 12 days ago
      • 1
      • Reported - view

      Purple Mixer I'm confused by your tuition savings account set up. You said it's offline? Are you saying it's not in your budget? If so, there's nothing to match since those funds aren't in your budget. They would be coming from your budget accounts and be separate from your off-budget tuition account. Or by offline, do you mean not linked for direct import?

      Like 1
      • MXMOM
      • MXMOM
      • 12 days ago
      • Reported - view

      Purple Mixer I missed that when I set up my YNAB stuff initially. I was one of those people that planned money by having multiple accounts. I ended up bringing ALL my accounts on budget and creating budget categories for the savings. So I had a college fund category  and a new car fund category, etc.. 

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