How did I overspend in the following month when I still have money available this month?

Hello!

I was negative in November but I still have money in the Category this month. I checked to make sure the dates on all my transactions are correct. When I go to the November budget, there are no transactions listed for the over spend.

 

So, I covered the overspend with another category in November and now my "budgeted" column is negative.

 

Im not sure I understand how this happened.

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  • Since it's not yet Nov, you should not be overspent. Can you show a screenshot of what you're seeing?

    Also, a negative budget value just means you took money out of a given category. Not a problem if that was your intent.

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  • I will say if you took out more money out of a category in Nov than was in it, then that will show as overspending. Overspending, by definition, is just a negative available value.

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  • Same problem here.... I put money in categories for future months but have the $$$ to cover it.  But every now and again, if I go to the last month that has money in the categories, the "To Be Budgeted" is a negative number - but none of the categories are overspent.  I don't understand that...

    Like
      • jenmas
      • jenmas
      • 1 yr ago
      • 1
      • Reported - view

      jrwill228 over spent and over budget are two different things. If you budget more money to categories than you actually have, your TBB can go red even if you haven’t spent a penny. 

      Like 1
      • jrwill228
      • Jrwill228
      • 1 yr ago
      • 1
      • Reported - view

      jrwill228 I went back last night and looked at this thread and apparently I offended someone here.  It was not my intent and anyone that knows me would tell you that it's never my intent to offend.  This just seems to be very frustrating trying to find a package that will do what I need it to do.

      Anyway, I want to apologize to anyone I did offend and I wish each and every one of you Happy Budgeting and a pleasant Sunday.

      I have found a couple of packages that I am going to try until the end of the year (along with YNAB) and see what happens.  That when my YNAB subscription is up for renewal.  I'm wondering whether zero balance is what I need to be doing....

      Again, my apologies  and I wish a pleasant Sunday to each and every one of you.

      Like 1
    • Hi jrwill228 !

      We want you to find the method that works best for you! While we'd be sad to see you go, we'd understand if YNAB just wasn't what you were looking for at the moment. That being said, we'd be more than happy to take a closer look at your budget to see exactly what's going on!

      If you’re up for it, 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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  • Either way it's still wrong since there is $$ allocated to cover it.

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      • WordTenor
      • I have the honor to be your obedient servant
      • WordTenor
      • 1 yr ago
      • 4
      • Reported - view

      jrwill228 There is not money allocated to cover it. That’s what the budget is telling you. 

      If you budget a future month and then subsequently increase a caregory’s budget in the current month, the warning that you’ve double-booked the funds only shows up in that later month. But it is still accurate. If you have $3000, split as $2000 in October and $1000 in November,  if you increase a category in October by $100, some other category has to decrease by $100. That can happen either October or November’s area, and if you don’t do it yourself, YNAB will do it for you by decreasing the amount to be budgeted in November by $100. So now you have $900 in November but you’ve told the budget you plan to spend $1000, hence the overbudget. 

      Searching for discussions about “Stealing from the Future” will help make this clearer. Most of us consider this a serious UI flaw, but we’re on year 4 of the software with no sign of a full fix yet, so may as well get used to it.

      Like 4
      • jrwill228
      • Jrwill228
      • 1 yr ago
      • Reported - view

      WordTenor I understand what you're saying, but in every month from current to end of future is green.... Everything is balanced yet last month says something is not right....

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      • jrwill228
      • Jrwill228
      • 1 yr ago
      • Reported - view

      WordTenor As a followup - every month is budgeted for the exact same amount every month.... no variation.  And no overspending in any month previous to next month....  I still don't get it but I'll keep a closer eye on it to see if I can find a problem.  Went all the way back to June of this year and found no problem.  Actually, most categories have surplus in them....

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      • WordTenor
      • I have the honor to be your obedient servant
      • WordTenor
      • 1 yr ago
      • 3
      • Reported - view

      This isn’t about your category spending. It’s about the relationship between the money in your accounts and the money in your budget.  The moment you budget more money than you have, even a penny, the TBB goes red.  The problem you’re encountering, is that in all likelihood, the moment when you budgeted more money than you had happened this month, and because of the way the software works, if you have money budgeted next month, you can’t see that  you did that until you look at the next month. 

       You can see the comparison if you go to the furthest month out you can go to.  The total available in that month will be higher than the total cash you have in your accounts by whatever number is in that red TBB.  That’s because you budgeted more money than is actually in the accounts. 

      Like 3
      • nolesrule
      • YNAB4 Evangelist
      • nolesrule
      • 1 yr ago
      • 1
      • Reported - view

      jrwill228 Congratulations on being yet another victim of Stealing From the Future.

      WordTenor and dakinemaui and to think people have the gall to say it's not a big deal, when threads like this show that the user interface makes it confusing for people to understand what is happening. Maybe someday they'll fix it, but I'm glad I haven't been holding my breath for 4 years.

      Like 1
      • jrwill228
      • Jrwill228
      • 1 yr ago
      • Reported - view

      nolesrule I understand that.... everyone keeps telling me I’m budgeting more than I have funds to cover but that’s incorrectly.  The checking account has more than enough funds to cover and I budget 6 months in advance so I’ve already paid/allocated $$$ for April.   IF this software has a problem with that, I might need to find something else to use.  

      Like
      • nolesrule
      • YNAB4 Evangelist
      • nolesrule
      • 1 yr ago
      • 4
      • Reported - view

      jrwill228 

      jrwill228 said:
       The checking account has more than enough funds to cover and I budget 6 months in advance so I’ve already paid/allocated $$$ for April.

       1. Don't do that. Budget the next month in full. Keep the rest in your income replacement fund. That would be the YNAB best practice as us old-timers like dakinemaui , WordTenor jenmas and many others would recommend. You end up making changes to your budget and the farther out your budget, the more times you have to make changes every time you want to make even a minor change.

      It actually makes this issue easier to happen. See my point 2.

      2. The problem is that you can make a change to any month between now and that last month, and if you aren't extremely careful about it, you'll actually change something higher without an offsetting reduction in funds. By budgeting out so many months in advance you increase the odds of this kind of change happening.

      It's exactly how I discovered this issue in the first place, a good 4 years ago. One day, I received an updated monthly price for a bill. Something like $1.05/month i went into my budget and changed the amount for the next bill. Fortunately I was paying attention, because I expected my TBB to show a -$1.05 after the change, due to years of using YNAB4. But it didn't. And it's because I had budgeted money in a future month. I went forward to that month, and there was the -$1.05.

      This can happen completely by accident. Maybe you mis-typed a value. Maybe someone distracted you in the middle of making a change to your budget. Who knows?

       

      Of course, it's also possible you just miscalculated the amount of money you actually had vs. what you needed to get through April in your budget, and wasn't really enough to budget everything you needed to exactly that far out.

       

      Still, I stand by my advice. Next month in full is as far as you need to go. Store the rest in an Income Replacement category. Dish it out from their to your budget only if you need to.

      Like 4
      • WordTenor
      • I have the honor to be your obedient servant
      • WordTenor
      • 1 yr ago
      • Reported - view

      nolesrule What part of "a serious UI flaw" was "not a big deal"? 

      Like
      • nolesrule
      • YNAB4 Evangelist
      • nolesrule
      • 1 yr ago
      • Reported - view

      WordTenor "a"

      Like
      • WordTenor
      • I have the honor to be your obedient servant
      • WordTenor
      • 1 yr ago
      • 1
      • Reported - view

      nolesrule That's not how articles work. 

      Like 1
      • nolesrule
      • YNAB4 Evangelist
      • nolesrule
      • 1 yr ago
      • Reported - view

      WordTenor I was feeling silly.

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      • jrwill228
      • Jrwill228
      • 1 yr ago
      • Reported - view

      nolesrule Thanks for the advice.  My work situation makes me think I need something that does go a little further into the future.  Again thanks for the advice.

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      • Herman
      • herman
      • 1 yr ago
      • Reported - view

      jrwill228 yep, I agree with you.

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  • jrwill228 said:
    in every month from current to end of future is green....

    You're looking at category Available amounts, which are not the cause. You have simply budgeted more dollars than you have. As an extreme example, budget $1,000,000 to a category. The category is green, but TBB is red/negative.

    The solution is to reduce one or more budget entries until TBB is no longer negative (possibly budgeting negative numbers).

    Like 3
      • jrwill228
      • Jrwill228
      • 1 yr ago
      • Reported - view

      dakinemaui Nope.  Really haven’t but thanks for your time anyhow. 

      Like
      • CallMeCat
      • Silver_Keyboard.5
      • 1 yr ago
      • 3
      • Reported - view

      jrwill228 ..The software is not wrong. The software did not make an error, you did. Just fix the error as explained previously and then add the Toolkit add-on. It has an option to warn you when you are stealing from the future (web-based version of YNAB). This way you notice it immediately when the problem occurs and you can not only fix it, but realize what it was you did incorrectly. Second guessing what happened last week or last month is probably futile. Good luck.

      Like 3
      • WordTenor
      • I have the honor to be your obedient servant
      • WordTenor
      • 1 yr ago
      • 3
      • Reported - view

      jrwill228 You really have. But if you'd like to get snippy about getting help from other users, just ask support instead. They will tell you the exact same thing, but they will hold your hand and give you lots more smiley faces and exclamation points than any of us do while they do it. That might feel better. 

      Like 3
      • jrwill228
      • Jrwill228
      • 1 yr ago
      • Reported - view

      WordTenor I wasn't but I'm done with this forum and this software.

      Like
  • jrwill228 said:
    Nope.  Really haven’t

    Look, your TBB is negative. You have unquestionably allocated more funds than you possess. The ONLY way to fix it is to un-allocate funds.

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

      dakinemaui He is not willing to put any effort into this. Let him go.

      Like 2
  • Talk about highjacking a thread...

    Ramses Rodriguez did you ever get sorted on your issue?

    Like 1
      • Ramses Rodriguez
      • A millennial on a mission to having a positive Net Worth
      • ramses_rodriguez
      • 1 yr ago
      • 1
      • Reported - view

      dakinemaui Yes! I was able to figure out what the overspending was. Thank you!

      Like 1
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