How Credit Card is Using Unbudgeted Spending
Long time YNAB4 user who just upgraded in December. I used December to initialize my budget and allocate money as needed so everything would look "normal" in January.
I use some credit cards but pay them off each month. I expect not to have to put any money in the "budgeted" field for the cards because they should be spending budgeted money each time -- except maybe in the first month. Therefore, I added to the credit cards budget just for December. As such Dec and Jan both have 0 to be budgeted and all the available amounts are 0 or green.
In Feb, I have also made sure no normal category is overspent. However one of the credit cards is red, indicating -1887.82. I would have expected that by this point, any expenses that had to be paid off here were budgeted, so I'm confused on exactly what's happening. In Dec I allocated 1288 to that card which was its activity in January with an available of 0. I'm guessing that's where it falls behind but I don't know why.
It's possible I need to add MORE money back in December, but it feels a little bit like black magic. Also if I do that then it tells me I have money to budget.