Total available + TBB doesn't match TOTAL Budget

Hi there.

I'm struggling with an extra $335.45 I'm having in my TBB column.

I followed the instruction I found in the forum to reconcile my bank accounts and compare the total with "Total available" for the next month + TBB. And it doesn't match. I still have $335.45 extra

My Total available (for march) = 8441.19
To be budgeted = 507.97
Budget in the left column = 8613.71

All accounts are reconciled and I have no uncleared transactions.
It is tough to keep in mind not to spend an extra $335.45

Please advise what can I do to adjust the numbers.

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  • I had something like this happen to me when I used the Mobile app to enter transactions and didn't realize that I had used a + for a transaction instead of a - for the transaction. That left a positive balance I didn't really have.  On the web version it is a little more obvious with separate columns for Inflow and Outflow.

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  • Are you adding up the positive bank accounts??  You can’t use the number ynab generates if you have any negative accounts like a credit card. 

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  • You also have to include funds that are supporting future budget entries (Budgeted In Future header).

    Cash in Accounts = TBB + TA + BIF

    Be aware that Total Available (TA) is misleadingly decreased by any credit overspending. It's best to verify this stuff in next month's area where that is not a factor.

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  •  Thank you for replies.
    I will answer all the questions in a single reply

    • All my accounts are linked and all my expenses are automatically imported. I don't add transactions manually.
    • I have two credit card accounts with a negative balance -$430.87 and -$4.58. If I add only positive balances then the discrepancy will be even bigger.
    • Budgeted in the future is $0

    Here is how my account looks

    Thank you for your effort.
    Is there a way to adjust my TBB without changing a balance in linked accounts? Adding an "adjustment" transaction doesn't seem to help.

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      • dakinemaui
      • dakinemaui
      • 4 mths ago
      • Reported - view

      Orchid Lightning 

      Your screenshot indicates you have an extra $100 in accounts not showing up in the budget.

      Do you have $100 hiding out in the Hidden Group? My understanding is that Hidden categories contribute to Total Available, but perhaps that is incorrect. Faness ?

      Cash in accounts = $9049.16

      Money in budget = TBB + TA + BIF + Credit Overspending = $8949.16

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      • satcook
      • satcook
      • 4 mths ago
      • 1
      • Reported - view

      Orchid Lightning you have over $1100 in overspending!  You need to move money around to cover that overspending. That is a larger issue than the one you are worried about. 

      Like 1
    • dakinemaui Hidden categories do contribute to Total Available. My guess here would be $100 in a closed account. Orchid Lightning , if you haven't already contacted support, I'd be happy to take a look at your budget. 

      If you'd like me to do that, go ahead and enable Support Access for your account. Once you’ve done that, let me know—and mention whether you’d like to continue the discussion here or via email instead.

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      • dakinemaui
      • dakinemaui
      • 4 mths ago
      • Reported - view

      Matthew I was slightly more sure that an account had to have $0 balance before it could be closed, but it wouldn't be the first mistake I've made today! It seems strange, though, to allow closure with a nonzero balance, especially considering the number of people feeling the need to prove to themselves that YNAB can do simple arithmetic.

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    • dakinemaui We don't allow you to close an account with a nonzero balance, but there are a couple of ways to get money into a closed account—most commonly, a recurring transfer in another account that's sending money into the closed account. (Definitely a loophole we need to close.)

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    • dakinemaui Now it makes a perfect sense. This formula explains everything. Thank you so much!

      Like 1
    • Matthew You are right. I had -$100 in a closed account. I was able to re-open, reconciliate and close it again. Thank you!

      Like 1
    • Orchid Lightning Excellent! (And I meant -$100 😅)

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  • Orchid Lightning said:
    Is there a way to adjust my TBB without changing a balance in linked accounts

    No, because TBB is DEFINED as the amount of cash you have that hasn't been given a job.

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  • Orchid Lightning said:
    It is tough to keep in mind not to spend an extra $335.45

    FWIW, your budget is currently understated by $100. There is no issue spending everything it says you can.

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      • satcook
      • satcook
      • 4 mths ago
      • Reported - view

      but you do need to fix the $1100+ of overspending or you will overdraft!

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      • dakinemaui
      • dakinemaui
      • 4 mths ago
      • Reported - view

      satcook That overspending was "fixed" by the reduction of TBB in the current month. OP could also fix it in last month's area, but the endpoint is the same. The current category balances are entirely backed by cash in the account(s)... assuming no additional overspending this month, of course.

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      • satcook
      • satcook
      • 4 mths ago
      • 2
      • Reported - view

      dakinemaui the screenshot is from March so the overspending is from February, the current month. 

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      • dakinemaui
      • dakinemaui
      • 4 mths ago
      • 1
      • Reported - view

      satcook Yep, I missed that, good catch. Definitely need that fixed immediately!

      Like 1
  • Thank you everyone. This issue is solved.

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      • satcook
      • satcook
      • 4 mths ago
      • Reported - view

      Orchid Lightning Did you fix the $1100 of overspending?

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    • satcook This overspending is planned. I made a big purchase which I can not cover at the moment. So I carry this overspending over the months. I view it as a credit card balance which I can not cover at the moment.

      I didn't find a good way to track it other than having a category with a negative balance from month to month.

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      • satcook
      • satcook
      • 4 mths ago
      • Reported - view

      Orchid Lightning cash overspending is very different from credit overspending!!

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      • dakinemaui
      • dakinemaui
      • 4 mths ago
      • 1
      • Reported - view

      Orchid Lightning The correct way to do this is to reallocate from somewhere else in the budget, perhaps even the CC Payment category since that usually doesn't have to be paid right away.

      Like 1
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  • 4 mths agoLast active
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