Spending Goal Behavior

I set up two identical Spending Target goals, for the same dollar value, with the same By Date goal on the first of the following month.  I put half the funds in one, using ASSIGNED money. It shows AVAILABLE in green, indicating half the funds have been contributed toward the goal. I put half the funds in the second one through a banking transaction during the same month. It shows AVAILABLE in yellow, with the circle showing small progress toward the goal. 

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  • I set up two identical Spending Target goals, for the same dollar value, with the same By Date goal on the first of the following month.  I put half the funds in one, using ASSIGNED money. It shows AVAILABLE in green, indicating half the funds have been contributed toward the goal. I put half the funds in the second one through a banking transaction during the same month. It shows AVAILABLE in yellow, with the circle showing small progress toward the goal. 

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    • Slate Gray Mermaid Yeah, the manner in which money appears in a category does make a difference in how the different types of goals are fulfilled. 

      However, that's not the very narrow issue I'm trying to highlight with this thread. ETA: This thread is about the fact that spending targets do not calculate until the month turns over in real time, whereas the rest of the software calculates immediately. That inconsistency is not only bad, but one choice of timing is better than the other.

      If you need more guidance, please start another thread and/or ask the official YNAB help people. They seem to want more work. Or rather, their bosses want them to have more work.

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  • I moved your question out of Move Light Sound Life 's journal thread so we can dive in to what you're seeing in your budget.

    Here's what you can expect with Spending Targets: 
    The money assigned to a category will immediately fulfill the Target, the money applied to the category via an inflow which you've categorized directly will be applied after the month rolls over.

    So: can you let us know more about what you're looking to accomplish with this particular category? I'm happy to help you sort out the best workflow to support that.

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    • Marisa Thanks. Do you mind linking back to my original thread where it says ETA: *This thread* is about...

      That way, people know I'm referring to that thread and not this thread. 🙂

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    • Move Light Sound Life Absolutely! Thanks for the reminder.

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    • Slate Gray Mermaid Have you sorted out how to set up a target for your specific endgame in mind? If not, let us know more about the specifics, and we can dive into the best way to handle it.

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  • Three couples contributed $5,000 each.  Each has a Spending Target, By Date (December 1), Started November 2021. All funds were contributed during November.

    A shows $2,500 Assigned, $2,500 Activity, for $5,000 Total. The green spending target is on track, but shows a circle half shaded. 

    B shows $0 Assigned, $5,000 Activity, for $5,000 Total. The yellow spending target shows $2,500 more should be assigned in November to stay on track.

    C shows $5,000 Assigned, $0 Activity, for $5,000 Total. The green spending target says You've reached your target! and displays a checkmark in a circle.

    Why are they all different? Why does B say more dollars are needed?

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      • satcook
      • satcook
      • 3 wk ago
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      Slate Gray Mermaid because the goal is looking at the budgeted line.

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    • Slate Gray Mermaid It seems like the inflow in "B" was categorized as the category to get the money to the category, rather than categorized as Inflow: Ready to Assign and then assigned there. That's why YNAB is prompting you to add more money there. Only money assigned to the category contributes toward the target.

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