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?