Your Budget Just Got Better!

Well, hello there, fellow YNABers! We have exciting news today…🎉

After many moons and many iterations, then re-iterations, we got a glow up! We’ve made some significant changes to the First Time User Experience, as well as some upgrades to YNAB as a whole—mobile and web. Check out our blog post for the whole story

 

While this update affects the new user experience drastically, there are also some changes to YNAB as a whole. The most obvious of these changes being to the verbiage—we hope these new terms will help clarify many questions that new users often have. 

  • To be Budgeted is now Ready to Assign

  • The Budgeted column is now the Assigned column

  • Goals are now Targets

  • Overbudgeted is now Overassigned

  • Quick Budget is now Auto-Assign

Perhaps the most exciting of all changes is the Stealing From the Future alert! When you have overassigned money in a future month, you’ll now see an alert in the inspector: 

 

For all the details, take a peek at this Help Doc. As you explore the changes, our team would love to know your thoughts. Your feedback is always appreciated!

And a big thank you to our Forum folks who were part of the Alpha and Beta groups. 

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  • Will the new mobile app experience be iteratively rolled out to users? 

    Like
    • Sky Blue Tugboat The mobile app updates are live for everyone as of 11 EST this morning! It may take a bit of time for the App Store or Play Store to prompt you to update. If you'd like to see it sooner, you can delete and reinstall the app!

      The latest versions are:

      • iOS: v3.0
      • Android: v7.0
      Like 1
    • Nicole great thanks!

      Like 1
      • Superbone
      • YNAB convert since 2008
      • Superbone
      • 2 mths ago
      • 1
      • Reported - view

      Nicole Thanks. I was frustrated with waiting so I just deleted and reinstalled and got it.

      Like 1
    • Superbone Glad that helped! One of my iOS devices had it available, the other did not. It's hard to wait for the new shiny!

      Like 2
      • Herman
      • herman
      • 2 mths ago
      • 2
      • Reported - view

      Nicole Seriously?  total revamp of the android app and still no reconciliation?  

      Like 2
    • Herman Hanging out with you over here on Android, too! (And reconciling is my love language). We've hired some new Android developers, so I'm hoping....

      Like 1
  • Question - is there somewhere we can see what changes were made for the web app vs. the mobile app?  Or is the web app just rolling out slowly, and things like "I can see where auto assign will put my dollars before hitting the button" will show up at some point?

    Like
    • Fuzzball Meows Excellent question! All of these changes are active for everyone as of July 13th. The web app changes were on. No phased rollout for this round!

      Our marketing team created this handy .pdf visual guide for a quick reference. It's hard to choose a favorite... that and Hannah's video may be mine.

      Here are a couple of other resources:

      Like 1
    • Nicole Hi Nicole, thanks for the response. I (and others, based on this thread) read the blog post and interpreted some of the mobile-only changes as being across all platforms. The help doc is useful, though, thanks for linking it.

      Is there a reason some of the functionality (e.g., being able to review auto-assign before it assigns the dollars) are mobile only? I read through the rationale behind the changes post, and didn't see anything that mentioned why the changes weren't made across all the apps.

      Like 2
  • I saw that little warning message earlier (I'm in the beta group) and could barely contain myself, but I managed to not mention anything before it came out.  Didn't test thoroughly, but it seems Stealing From the Future bug has been dealt a deadly blow.

    Like 8
    • Bruce My excitement has been hard to contain as well!!

      Like 1
    • Gasp! FINALLY! SFTF is being addressed!!!!! 

      Like 1
      • nolesrule
      • Stealing From the Future fix is an improvement but is incomplete....
      • nolesrule
      • 2 mths ago
      • 3
      • Reported - view

      Bruce It could use some work. It only shows the most recent month that is overbudgeted. So for example if you overbudgeted $300 in August and $300 in September (for a total of $600) the message shows overbudgeted $300 in August in July. In August it'll show -$300 RTA and $600 overbudgeted in September.

      If you unassign $300 in July it'll then message you that September is overbudgeted by $300.

      It's an improvement, but still not giving the complete picture. It seems to assume that you would want to fix the future overbudgeted month rather than the current month.

      Also, it seems we'll need a new word for overbudgeted. 😂

      Like 3
    • nolesrule

      The other thing it doesn't do is alert to increasing CC debt due to overspent categories. Which, in the grand scheme of things is less important than the cash overspending, but given the confusion people have when they overspend a category with a cash transaction but had cc spend in the category previously, seems like an oversight to me.

      Like 2
      • Herman
      • herman
      • 2 mths ago
      • Reported - view

      Marisa Sky Blue Tugboat nolesrule Curious if I had the several year old beta fix to SFTF do these changes remove that and I'm now on the same code as others?  I liked the beta, I'm fine with moving to the same as everyone but just want to know.  and haven't taken the time to test it for myself :)

      Like
    • Herman Good question! Checking on this....

      Like
    • Herman The flag you have for Stealing From The Future is active. As we make changes to Ready to Assign and the new alert, our developers have identified that coding for both isn't ideal.

      The team is looking closely at the past work to see how we'd like to proceed. We'll reach out to folks if or when changes are made. I know it's been around for a long time and a fan favorite here in the Forum!

      Like
  • Whoa. A whole lot of new verbiage. OK. Hopefully, that'll be a quick adjustment.

    Like 2
  • I'm curious if the Toolkit is going to need some time to catch up or if YNAB worked with them for a smooth transition? I turned mine off for now to get used to the native new changes.

    Like 2
    • Superbone I used the toolkit as a beta tester. There were a couple of bugs I noticed with the settings I used. Nothing major. 

      Like 2
    • Superbone Some of the Toolkit folks have early access to new features! With big changes, there are bound to be a few that slipped through. If you notice any, I'm sure they'd appreciate a head's up! You can report issues with the Toolkit here. (Also pinging you Sky Blue Tugboat )

      Like 1
      • Superbone
      • YNAB convert since 2008
      • Superbone
      • 2 mths ago
      • Reported - view

      Superbone 

      Superbone said:
      I turned mine off for now to get used to the native new changes.

      Calling WordTenor : I should have written "to get use to",  correct? That one hangs me up still.

      Like
    • Superbone It's definitely get used to, but I can't tell you why. It's always used to.

      Grammarly apparently can tell you why: https://www.grammarly.com/blog/used-to/

      Like 1
  • OOoo shiney!

    Marisa So I see something that I'm not sure about in the blog post and I have a question...

    It notes that there is an edit mode on the mobile app, and I see a lovely picture of all the categories, and they have a space to enter the dollar amount, and then they have a date listed.... Why is that not an option on the web browser version??? It would be so helpful to have all of that information included in the web browser version so that it looks consistent, instead of me using the Category name ending up looking like this: "Car Payment - 25th/$249.78"

    Curious minds want to know!

    Like
    • farfromtheusual I think a budget mode on web is a great idea (I also add that info to my category names). Could you send that over to our product team as a Feature Request?

      Like 1
    • Marisa Sure, if it's on the mobile app hopefully it's not a stretch to put it on the web, too. I would probably use targets and such if all of the information was more readily available.

      Like 1
  • Initially like the changes.   Having collapsed the auto-assign and available in July areas, it would be great for smaller screens to fully collapse it the entire section for more budgeting real estate.  

    Like 3
    • Saish Dawg I've gone from two monitors to one and keenly feel you on more screen real estate. Would you want to see that happen automatically or with a button like the left sidebar? Our team would love to hear more!

      Like 1
    • Nicole I am the same as Saish Dawg ... I REALLY want more real estate for the budget (as it currently stands, I cannot read the full name of most of my categories). I've never understood why the left sidebar has a button, but the right doesn't. 

      Right button sidebar all the way!

      Like 2
      • Saish Dawg
      • saish_dawg
      • 2 mths ago
      • 4
      • Reported - view

      Nicole Button would be fine, as long as the preference is sticky (persists between refreshes or reloads).  It is truly the rare case that I have to look at those numbers and the common case that I want all the real estate possible.  

      (And as an aside, pun always intended, for the left nav, could we get icons for our accounts instead of them disappearing?  A hover tooltip could let us know which is which.)

      Like 4
  • Nice!  I noticed the changes and was wondering what was going on.

    Like 1
  • I really liked YNAB's original approach, where you count your dollars and Give Every Dollar a Job.

    The new approach is listed as:

    1. Estimate Your Expenses
    2. Add Your Bank Accounts
    3. Assign Money to Expenses

    The new step 1 asks people to predict the future. They will then try to meet that expectation. That's the Mint style of budgeting that works for nobody.

    Why drop the very thing that made YNAB great?

    Like 6
      • Krys
      • I like bacon and sarcasm
      • Krys
      • 2 mths ago
      • 6
      • Reported - view

      Wessel The new step 1 was always a thing - you always had to "start somewhere" so to speak. The real juice was in the way that you keep reviewing the budget, refining and improving those estimates.

      We will still and always "Give Every Dollar A Job." You'll pry that phrase out of my cold, rich, dead hands.

      Like 6
    • Wessel Hard to know what jobs to give money to if you don't know what jobs exist/are needed. I assume they're targeting people who don't know the first thing about planning their finances and maybe don't even know what their obligations/priorities are. 

      Haven't checked out the new app design yet, though. Just read the blog post and this thread. So, my thoughts are pre-first-impression. 

      However, didn't the first rule used to be Live On Last Month's Income? This is the... 3rd?4th? Change to the method? If it's even changing the method, not the process of getting initially set up. 

      Like
    • Hey Wessel ! You make a great point. The YNAB Method isn't changing. Giving every dollar a job and the other rules are still a thing, we're just taking a different route in introducing those concepts to brand new YNABers.

      Alan, one of our Product Designers, wrote a blog post on the thought behind these changes. I think you'll find it interesting! Our team did a ton of research and iteration over time. (The success of brand new budgeters tripled with the new flow—so we're pretty darn pumped.)

      Like 4
      • Wessel
      • wessel
      • 2 mths ago
      • 4
      • Reported - view

      Nicole Thanks for the link to the blog!  I see what you're doing now. I know from experience "To be budgeted" confused everyone. "Ready to assign" sounds promising!

      Let's hope people don't get stuck in theorising about targets (the new goals) and Give Every Dollar a Job.

      Like 4
  • I am so confused.  I'm sure there's good stuff in here, but it's gonna take a little usage for me to unpack it all.  And yet I still don't see "Budget for Upcoming" or "Assign for Upcoming?"  It's still in the mobile app.  It has made it so hard for me to get a jump on next month's budgeting when so many of my categories rely on recurring transactions.

    And I miss my little dialog at the top saying how much I brought in this month, sent to next month, assigned this month, etc.  Now I gotta hover and there's not much there.  People actually use some of this old timer stuff :(.

    Like
    • Annieland Needing time to adjust is a given. Change is hard! It's taken our team time too (and let's be real—it's ongoing). Do you prefer written or visual resources, like videos? Happy to point you toward some of the new resources!

      Assigning dollars for upcoming transactions is included when clicking Underfunded. Those changes happened in the web app earlier this year. This mobile redesign aligns the experience in both places. Did you update the mobile app yet?

      The budget header and inspector have changed! This is a good summary. The breakdown of Ready to Assign can be found by clicking the budget header. Available in July and Assigned in the Future are on the right side, in the inspector. As you explore, our product team is paying close attention to feedback

      Like
  • Awesome updates YNAB geniuses!! So excited to see upcoming features for debt management too :) Great job you guys.

    Like 1
    • leelori Thank you! I'll share that with the team. We appreciate your excitement. And yes there are other exciting things coming in the future!

      Like
  • I'm so confused. Started a new budget on the web app to check out this new on boarding but there was none to be had. This is only a feature of the mobile app? I was wondering why a brand new user just started a thread today called "Paralyzed with anxiety trying to get started". I guess that explains it.

    Like 1
    • Superbone The new onboarding is mobile for now! It was such a hit, that the team is already working on bringing a similar feel to the web app for brand new YNABers.

      Like
    • Nicole Hello! Good to see you back here again!

      A thought from my husband as we were discussing Wessel's concern about moving away from the method:

      It would make sense to have a startup wizard that asks the user to type in/select categories of expenses first. Disclaimer: I don't know how it currently looks on mobile, and I'm not really interested in making a fake account to try it out on mobile. 

      However, since they're bringing it into the web version, have they thought of using a wizard? Even if someone knows their categories and doesn't need to brainstorm expenses, the ability to have an easier typing/clicking workflow for starting with categories that match the user would be beneficial. That's always the most annoyingly tedious part of starting someone up on a new budget - going through and deleting/renaming/dragging categories around. 

      Just a thought. 

      Like 1
  • Hey Nicole love the new look EXCEPT...On my Android, the Available amounts are about 2 font sizes smaller than the digits in the Assigned category.  Very hard to see for those of us with bifocals!  Can the size of the numbers be increased?  Older eyes would appreciate!

    Like
  • Question: I really miss the « Total Budgeted » and the « Total Spent » for a given month. Could you please  make them appear both in the iPad and the iPhone app (« Total Assigned » and « Total Spent »)?

    Like 5
    • Salmon Motherboard With no categories selected, try expanding the Available section in the web app, to see the activity and total assigned in the current month. Does that have what you're looking for? If you have a chance to let our Product team know you'd like to see those on mobile too, they'd love to hear from you!

      Like 1
      • Budgeting1
      • Budgeting1
      • 2 mths ago
      • Reported - view

      Nicole I would also like to retain this functionality and also have it available in the mobile apps as I do not have my laptop available when I am traveling long term.  This is becoming a dealbreaker for me..

      Like
  • Better?  Not so far...I've lost the total monthly goals/targets from the inspector.  I want it back!

    Like 2
      • Vibrant
      • No more counting dollars, we'll be counting stars
      • vibrant
      • 2 mths ago
      • 3
      • Reported - view

      Casual Trooper This was a toolkit function...give the Toolkit devs a few days to process the changes and it might come back. 

      Like 3
      • Casual Trooper
      • Would not punch Baby Yoda
      • Orange_Router.3
      • 2 mths ago
      • Reported - view

      Vibrant Thanks!  I've been using Toolkit since my first week with YNAB and didn't realize it was a Toolkit function.  Fingers crossed it comes back.

      Like
  • Yuk! Hate the new terms. There's a certain irony in using 'verbiage' I guess. At least in UK English.

    Hurrah for a native SFTF warning though.

    Like
    • monkeyhanger I would have preferred allocated instead of assigned, myself. I suppose 5 letters vs 9 won out there, but I think allocate is more specifically accurate.

      Like
      • Vibrant
      • No more counting dollars, we'll be counting stars
      • vibrant
      • 2 mths ago
      • 2
      • Reported - view

      Move Light Sound Life ditto. Also "overallocated" and "underallocated" sound better to my ear than "overassigned" and "underassigned".

      Like 2
      • Annieland
      • I was told there would be no math.
      • Annieland
      • 2 mths ago
      • 2
      • Reported - view

      Move Light Sound Life I thought the same thing!  And then I started going through the thesaurus in my brain coming up with an endless stream of words that would be similar or better. But supposedly much thought and research was put into these word choices. Personally, Assign makes me think of school assignments and work, in general. Not “fun” as I know the goal is to make budgeting be.  But alas, I wasn’t in this test group :). 

      Target also makes me think of something harsh. Like I’m at the shooting range, or staring at a big bullseye in my face. Goal has a softer, more positive connotation, aspirations to be achieved and rewards to be reaped.

      And not too long ago using the word Assign would have flagged a post for approval here.  Kinda funny :). 

      Like 2
    • Annieland So true about being flagged! Especially with IMPORTant! 

      I totally appreciate that Goals are changed though. Like you said, goals are aspirational. I would love to be able to save $550/month for medical, but that's just not a reality for us as the moment. The way YNAB is using goals/targets as a template is more reality based. 

      Like 1
    • Annieland I laughed out loud at that last bit! Figuring out what and would not set off the filter was a fun one. 🤣

      Like 2
      • monkeyhanger
      • No animals were harmed
      • monkeyhanger.1
      • 2 mths ago
      • Reported - view

      I'd rather have no change. The wording seems more contrived now.
       

      Like
      • nolesrule
      • Stealing From the Future fix is an improvement but is incomplete....
      • nolesrule
      • 2 mths ago
      • 2
      • Reported - view

      monkeyhanger I tend to hate change, but the language change makes sense to me. "Budget" and "Budgeted" and using "budget" as a verb have had to be explained over and over again, when "Assign" is just plain English that actually describes the act.

      Like 2
      • jenmas
      • jenmas
      • 2 mths ago
      • 1
      • Reported - view

      monkeyhanger It's not useful to me, but the comments on the Facebook group make it clear that many users simply could not grasp the difference between overspent and overbudgeted so this might help with those people.

      Like 1
      • monkeyhanger
      • No animals were harmed
      • monkeyhanger.1
      • 2 mths ago
      • 1
      • Reported - view

      jenmas nolesrule I know, I'm just being grumpy. And my views are coloured by working with numbers and using British English.  The current choices feel like they need more translation than the previous ones.  As you say though, it's not aimed at me and if it makes things easier for new folks then so be it. 

      Here's hoping the difference between overspent and overassigned is clearer.

      Like 1
      • Annieland
      • I was told there would be no math.
      • Annieland
      • 2 mths ago
      • 1
      • Reported - view

      jenmas nolesrule I went on the FB group a couple of times and my head exploded, so I don’t know what people’s issues are there. But I agree in the sense I notice a lot of people seem to consider “Budget” money the same as “Money I’m definitely going to spend this month” so I hope this new verbiage helps them better understand the difference. 

      Like 1
  • Personally, I was a bit underwhelmed at the changes. If the onboarding process does successfully get new users to a full understanding of YNAB's method (including living off last month's income), then great! The proof will be in the pudding, though, and I think a few things in the new UI highlight falsely important information.  I appreciate not having to change my workflow, though, as far as I know. 

    The Targets still give odd numbers for overfunded/underfunded, so I'll likely keep doing the "Assigned Last Month/keep nominals in the future month with a negative assign in the INM category, which means two months out has an equivalent negative TBB/TBA" ... Which is perfect for the new SFTF fix, as I don't get a warning and my header stays clean. Which of course means I still can't trust it and will certainly maintain my walled months. 😂

    In terms of Toolkit features I realized were important to me:

    Compressed category spacing and the ability to collapse/expand all is the biggest design difference that jumps out. 

    In terms of prominent information, I forgot that the toolkit can hide the total available number. No wonder new users have a cow about wanting savings accounts to stay off budget and oosoom. Especially now, that large number is displayed (with math) on the left with the accounts and very prominently and nearly in isolation on the right. Seeing as I don't make spending decisions based on the sum of all available money, I don't see the point of its prominence. 

    Like 1
    • Oh yeah, I forgot - in the blog post, I thought it talked about being able to see what using the auto-assign would do before it happens. 

      This is not the case in my budget. Numbers simply change.  I was imagining a wizard or overlay or highlighting or something. 

      Like 1
    • Move Light Sound Life Reducing the prominence is a great way to phrase that! That was the intent, but those who want to see it could expand the section. It's interesting to hear that the Toolkit had an option to hide it completely and you prefer it that way. If you're up for sharing your perspective with our Product team, I haven't heard that before—and it may be new for them too. 🙂

      Like 1
    • Nicole Actually, when everything is collapsed on the side there, it's the only number visible. 

      I suppose you're right in that it's smaller than before. 

      I guess I always hated that anyone in the vicinity would see that number walking by. But even for me, now, with the category spacing compressed, it's the third most prominent figure on the screen ($0.0 to assign, AOM/DOB). 

      And there's just a ton of blank space on the right. I'd rather the right panel collapse horizontally so the space can be used. I'm not sure what the point of collapsing is if the result is just blank space.

      Like 2
      • Cyan Yeti
      • Cyan_Yeti.6
      • 2 mths ago
      • Reported - view

      Move Light Sound Life My experience also!

      Like
  • Nicole said:
    Assigning dollars for upcoming transactions is included when clicking Underfunded. Those changes happened in the web app earlier this year

     No, it is not, not for the upcoming month(s) as it used to be.   At least not until the first of the month. I cannot budget ahead anymore for scheduled transactions. I brought this up previously. I don’t know if I’m actually missing something, not explaining properly, or if just no one understands or is troubled by this. 
    https://support.youneedabudget.com/t/g9hf8ya/can-someone-please-tell-me-where-budget-for-upcoming-went

    Supposedly it’s still an unaddressed bug??

    Like
    • Annieland You're right - in future months, scheduled transactions are handled a bit differently. I checked with one of our designers to confirm: with scheduled transactions, any balance in your category will count towards funding that transaction, even in future months. So Auto-Assign won't put money into the category to cover future scheduled transactions if the balance is already large enough to cover them. Targets don't count funds until the months rolls over, but scheduled transaction do. It's on our radar and we're going to look into how we can bring more parity there in the future. For now, a good workaround would be to also add a target to that category for the amount that includes the scheduled transaction.

      Like
      • Annieland
      • I was told there would be no math.
      • Annieland
      • 2 mths ago
      • 1
      • Reported - view

      Marisa This is just really, really bad for me. I’ve been budgeting based on scheduled transactions for 12 years. Unless I wait until the first of the next month, I have to look up each upcoming total and type it in.  It’s doable but hella annoying and error prone. Matthew had confirmed developers said it was a bug in that earlier thread. So I really hope it gets addressed soon.  I can deal with other changes, but this makes no sense when both scheduling transactions (template advice and all that) and budgeting ahead (a la non-walled months) are promoted by YNAB. I have lots of weekly or end of the month recurring transactions and I put much effort into keeping them organized, even when the amounts will differ.  And that also makes it difficult to use that target method you suggest  

      Like 1
    •  Annieland You may have already done this before the release, but I'd love for you to weigh in with your workflow and how it has been impacted to help our designers and developers determine the best way forward!

      Like
      • Annieland
      • I was told there would be no math.
      • Annieland
      • 2 mths ago
      • 3
      • Reported - view

      Marisa Yeah, I’m overdue for another complaints and grievances submission :). I mean, feedback and suggestions. 

      Like 3
    • Annieland Appreciate your diligence! 😊

      Like
      • Cyan Yeti
      • Cyan_Yeti.6
      • 2 mths ago
      • Reported - view

      Marisa This sounds rather smart alec(sp)!

      Like
      • Casual Trooper
      • Would not punch Baby Yoda
      • Orange_Router.3
      • 1 mth ago
      • 2
      • Reported - view

      Annieland this is how I budget as well...I haven't really started playing around with the new update since I saw it, instantly hated it, and set it aside until the end of the month hoping some of this will get sorted out before I need to use it.  If I have to manually enter all the scheduled transactions, it's gonna be...not great.  

      Like 2
      • Superbone
      • YNAB convert since 2008
      • Superbone
      • 1 mth ago
      • 1
      • Reported - view

      Annieland Yeah, this has been an issue for a while now. I use the Underfunded button which handles all the Targets but then I have to go through all my variable categories like utilities and look for the ones that have nothing funded but I can see I have upcoming transactions when I select them. This is the opposite of automated and needs to be fixed.

      Like 1
      • Annieland
      • I was told there would be no math.
      • Annieland
      • 1 mth ago
      • 1
      • Reported - view

      Superbone It's ridiculous, and support declared it a bug 2 months ago, and then "refocused."  I have meal kit deliveries and I go through the trouble of entering in all the variable future transactions and yet can't quickly budget for them all until the end of the month.  I schedule both upcoming medical and dental expenses along with the expected timely reimbursements, and move money to and from my medical buffer category to cover.  Can't do that easily now either.  And don't even get me started on my QVC easy pays....

      I will submit some feedback to YNAB on this, and some other things as soon as I have a free moment, other than watching QVC and Big Brother live feeds.  👊👊👊

      Like 1
      • Black cat
      • Blue_Stallion.6
      • 1 mth ago
      • Reported - view

      Annieland am I misunderstanding? My scheduled mortgage and HOA is funded for august. I am not sure if I did that manually. 

      Like
      • Annieland
      • I was told there would be no math.
      • Annieland
      • 1 mth ago
      • Reported - view

      Black cat If you hadn’t already paid your mortgage and HOA this month you would need to assign it manually.

      Like
      • Black cat
      • Blue_Stallion.6
      • 1 mth ago
      • Reported - view

      Annieland I mean august is funded. My mortgage is the 1st day of the month. I think I do it manually anyway because I fund my account around the 10th so I have to ensure the next month’s mortgage is funded. that was one of the things I was asking for. In my last tool I could automatically fund  on a schedule I choose but YNAB wants you to be hands on. I think I am missing some information or I missed a feature I wanted and now it is gone!

      Like
      • Annieland
      • I was told there would be no math.
      • Annieland
      • 1 mth ago
      • Reported - view

      Black cat Nothing in the YNAB budget will auto-populate without you making some sort of directive. Right now we’re discussing the difference of typing in 123.45 vs a quick tap on budget/assign for upcoming in the next month (taking into account the next month’s schedule and the current category balance).  Hope that clarifies. 

      Like
  • nolesrule said:
    So for example if you overbudgeted $300 in August and $300 in September (for a total of $600) the message shows overbudgeted $300 in August in July. In August it'll show -$300 RTA and $600 overbudgeted in September.

     I have been trying to figure this one out. How can you be over-allocated in both August and September? 

    Did you just go type $300 in August and then again in September, with nothing else? That's the only way I can make sense of this, because if there's $3000 in August's budget and $3000 in September's budget, how is YNAB supposed to know you should have only assigned $2700 in each month? Wouldn't YNAB think you meant $3000 in Augustn but only $2400 in September?

    Not that I agree, that's just the nature of the flow-forward calculation. 

    Like
      • nolesrule
      • Stealing From the Future fix is an improvement but is incomplete....
      • nolesrule
      • 2 mths ago
      • Reported - view

      Move Light Sound Life I have 600 in RTA, put 300 in August, then 300 in September, then go to July and put in 600. There are various ways this kind of thing could actually happen, but this was just a simple test without having a user story. 

       

      Perhaps they were at zero and negative assigned the 600 in a category in July, then assigned in the next 2 months and then back in July undid the negative assigbed perhaps accidentally. 

      Like
    • nolesrule Thanks for confirming my picture of what you did.

      Incidentally, I do have my August fully funded, with an equivalent negative number assigned to my INM category (July money is coming in as categorized to INM, so when I release via recategorization, I just have to remember to delete that budget entry). Naturally, the negative available in the August INM persists until I've received all my July income, which means it's taken from September's TBB/RTA.  

      This SFTF "fix" gives me zero indication that September is quite red, but since it's very intentional, it actually cleans up my screen and solves my main issue with using that hack. It doesn't help the unsuspecting user, though. 

      Like 1
  • Nicole , Why is the Assigned in Future only global? If I were to follow the camp of budgeting 6 months into the future and changing things ad nauseum, wouldn't I feel happy looking at a list of groceries funded into perpetuity?

    Like 1
    • Move Light Sound Life Ahh! That would be cool! Can you send that idea over as a Feature Request?

      Like
    • Marisa Eh. I'm not in that camp. I just like apps to be logically consistent. 

      Someone else can, though, if they'd like it. I've put in many others that I'd rather see come to fruition  first.

      Like 2
  • 1) The new Ready to Assign warning being negative for the next month is a good thing but this only shows up if you have actually budgeted something in the next month.  I think it should show up if you are simply overspent as well, just leave the Assigned In Future flag off.  We need the warning for future Ready To Assign being negative for any reason.

    2) Since we now have to view this data in the header inspector window can you add a button to display the header inspector window?  The only way I know how to display it is by exiting the budget screen and then renter the screen or select all categories and then deselect all categories.  The button to display the header inspector should be in the top bar and should be red if something is wrong (over spent or over assigned in future).

    3) As far as the name changes it will take a while to get used to these and I do not see much value added in changing TBB  or budgeted which has been in use for a long time, this is a budgeting program, not an Assignment program. (YNAA- You Need An Assignment, yes you do)

    4) One more suggestion, move the assigned in the future warning to the top of the inspector list so that if the Auto Assign feature is expanded the warning is still visible.

    Like 3
    • ynaber2613 

      1. You're right - Assigned in the Future only alerts if you've assigned money in those future months. If it is due to cash overspending, it won't show up - can you send that over as a Feature Request if you'd find that to be helpful! (Same with making Assigned in Future more visible at the top of the inspector!)
      2. You should be able to see the Inspector with Auto-Assign and Available in [Month] any time you are in your budget and don't have any categories selected. Are you noticing different behavior?
      3. Haha - YNAA doesn't have the same ring, does it? For more background info on how dramatically these new terms have helped new YNABers (YNAAers?), check out this blog post. I know it will take me  some time to not stumble over my words, but I'm excited for those new YNABers to better understand what's going on!
      Like
    • Marisa Just writing a reminder that if you change the budget in YNAB to assignment, not only does that actually change the meaning a bit, but it puts you back in the same situation of using the same word to indicate three different things. 

      I was helping someone who hated the way YNAB used the word budget, because it did not tally with the definition of budget they had learned growing up. So, we called it YNAP - for Plan. Another person commented the tagline of "budgeting so easy, you can do it in your sleep." It worked in this context, especially when you can plan to make your money plan with coffee and donuts after a nap.

      Like 3
    •  Just to be clear, we're not changing the B in YNAB to A. You (still) Need a Budget. 

      We've changing one of the several instances of the word Budget:

      The entire experience is still budgeting.
      One particular file is still a budget.
      There is still a budget screen.
      The action of giving every dollar a job is now called assigning instead of budgeting. 

      As Move Light Sound Life found - folks have all sorts of preconceived notions about budgeting - they've thought about budgeting in ways so differently than YNAB does. This small change makes a big difference - it allows people to get started rather than worry about semantics. (I love YNAP, btw.....)
       

      Like 2
  • So got some new funds in for the first time since the redesign, and I have a few additional suggestions:

    * Allow a choice to default to either auto or manual from the assign drop down (in the banner).  I will always manually assign and having to click over is one more click I do not need to undertake.

    * Why is auto-assign displayed twice?  Once in the banner by my funds and also on the right-hand column?  (Another reason to want to be able to collapse this to get more budget space).  

    * Collapsing the banner would solve this, but prominently displaying "available" funds seems contrary to the idea of giving every dollar a job.  I have done so, and yet it is showing me all sorts of available dollars.  They are not, they have jobs.  :^)

    Like 5
    • Saish Dawg Thanks for your thoughts! 

      I wanted to mention that once you've selected Auto/Manual in the budget header, that selection should stick for you. Let us know if that's not what you're experiencing, though! 
       

      Like
      • Saish Dawg
      • saish_dawg
      • 2 mths ago
      • 3
      • Reported - view

      Rachel Glad to hear.  My income arrives with depressingly less frequency than my expenses, so I shall wait to test that out and let you know.

      Cheers!

      Like 3
      • Annieland
      • I was told there would be no math.
      • Annieland
      • 1 mth ago
      • 3
      • Reported - view

      Saish Dawg I think this is what I just hit on payday today and happened to be doing morning YNAB on my iPad. I have a big green bar on top ready to assign, which I would assign to my next month category, but I can’t do it without looking up and down to type in the number on the little calculator thingie.

      Why can’t we just move money to a category?? What the heck is going on? I’m so confused. 

      Like 3
    • Annieland Are you using the mobile app or web app on your iPad?

      Like
      • KnitKnitFrog
      • One transaction at a time
      • Tomato_Song.11
      • 1 mth ago
      • Reported - view

      Please, where can i find this ‘auto/manual’ assign in both the iOS apps and the website? This sounds like the solution to my frustration with auto auto assign. 

      Like
    • KnitKnitFrog To my understanding, it's only available on the web app. If you use an iOS tablet, you need to make sure you're using the web version, not the mobile app. When you have money to assign in the web version, you have a box that says "assign" with a drop down that lets you select auto or manually. You can't (yet?) preview the auto assign on the web, so if how it currently assigns money bothers you, you want to use the manual setting on the web.

      Alternatively, on mobile, you can select the category and type in the amount you want to assign via the keypad.

      (Also, I love your username. It's greatly amusing 😉)

      Like
      • KnitKnitFrog
      • One transaction at a time
      • Tomato_Song.11
      • 1 mth ago
      • Reported - view

      Fuzzball Meows thank you - one question, how oh how do I force my iOS to open the web version and not the iOS app? 

      Like
    • KnitKnitFrog I have no idea - I'm not an iOS person. I've just seen it mentored on the forums before.

      Like
    • KnitKnitFrog The web app on a phone (and most tablets) is isn't supported, but if you have an iPad running iOS 13, you can request a desktop version in Safari after logging in at app.youneedabudget.com.

      Like
  • It’s payday- so I logged in to budget my money and nothing is showing up in my to be budgeted/assigned category… what am I missing? 

    Like
      • nolesrule
      • Stealing From the Future fix is an improvement but is incomplete....
      • nolesrule
      • 2 mths ago
      • Reported - view

      Orchid Hammer does the transaction for your pay exist?

      Like
    • nolesrule yes

      Like
      • nolesrule
      • Stealing From the Future fix is an improvement but is incomplete....
      • nolesrule
      • 2 mths ago
      • 2
      • Reported - view

      Orchid Hammer are you over assigned (or whatever the new terminology is) in a future month?

      Like 2
    • nolesrule I guess so.. I’m going through future months and removing goals and budgeted money. It didn’t pull from the current month before. Guess it is now. Not a fan of this update….

       

      we’ll see if that fixes it. 

      Like
      • nolesrule
      • Stealing From the Future fix is an improvement but is incomplete....
      • nolesrule
      • 2 mths ago
      • 2
      • Reported - view

      Orchid Hammer the update has not changed the behavior. if you put money into categories in a future month and exceed the total money you actually have, then the future months syphon off any new income. This is what I mean by Stealing From the Future in my tagline. 

      The updates have not introduced any basic functionality changes in terms of how the budget works. Everything still works the same and the math is the same. The biggest change is in auto-assign/quick budget features and to the user interface.

      Like 2
  • Wish I had known how truly awful v3 is before I updated my ipad. Truly what were you thinking?! Can’t even scroll from month to month, can’t see total budgeted. Seriously considering restoring my device from backup at least so I can have a workable app while I shop around fir an alternative. What a disappointment

    Like 2
      • Annieland
      • I was told there would be no math.
      • Annieland
      • 2 mths ago
      • 1
      • Reported - view

      AussieGal I agree. I hate to be such a Negative Nellie all the time, but when you love and rely on YNAB as much as I do, these little/big changes really throw me for a loop.

      When we went to the cloud-based subscription model I was totally on board with the idea of making updates faster and easier to roll out. Now I’m really missing the days of major software releases and ground-up redesigns. 

      I’m starting to think I’m just too old to use today’s internet. I want my 2400 baud modem back and my BBS and software on 5.25” floppies.  Yes, I broke a few keyboards when people were wrong on the internet, but computers still seemed simpler back then. 

      Like 1
      • AussieGal
      • Silver_Ink.2
      • 2 mths ago
      • 2
      • Reported - view

      Annieland I am not adverse to change, and my profession is as a software consultant. Rule 1 for upgrades is make it an upgrade! Do not remove the best features and replace it with clunky alternatives. I literally rolled back to prior ipad version while I find an alternative. YNAB continue down the path of targeting those that don’t know how to budget or live week to week. Making it more and more difficult for those that can fully fund well ahead to use the application.

      Like 2
      • Annieland
      • I was told there would be no math.
      • Annieland
      • 2 mths ago
      • Reported - view

      AussieGal Totally.  I've been a Mac evangelist since the 80's and I'm constantly screaming to my husband (Apple employee, no less) that with every update to something like their crappy calendar, they move a button from one corner of the screen to the other and then back again, while never making a single improvement or feature addition.  I barely use my iPhone because every update changes what direction I'm supposed to swipe for something.  I look like a complete idiot banging on my phone constantly and then just putting it down in frustration.  It just cracks me up because I've been on computers and online for soooooo long and yet I see senior citizens more adept at stuff than I am at this point.

      Like
      • Superbone
      • YNAB convert since 2008
      • Superbone
      • 2 mths ago
      • 1
      • Reported - view

      Annieland Steve Jobs wouldn't have allowed them to get away with that!

      Like 1
  • @Marissa-- It's not just YNAA -- it's also AMA, not to be confused with the American Medical Association.

    Like
      • Annieland
      • I was told there would be no math.
      • Annieland
      • 2 mths ago
      • Reported - view

      JohnnyDiamond Or Against Medical Advice... i.e. when you bust out of the hospital against the better judgement of the American Medical Association. :)

      Like
    • Annieland True that!

      Like 1
    • JohnnyDiamond Ask Me Anything? American Motorcycle Association?

      Like
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