See a listing of actions taken within a Budget

nYNAB persists all transactions and actions that affect a Budget.  This is how the Undo/Redo buttons work.  They "replay" the log of actions that occurred, either re-applying or removing the action.

Is there insight into that log?  Would be helpful when going through Budgeting session (multiple times a week) to see the running history of what happened to categories.  

Thanks!

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  • Yes! It would help a LOT to have access to this, even if it was just a text-based log.

    Like
  • Hi mhornak !

    That's a great feature request! I can definitely see how helpful it would be, for new and old YNABers alike! :)

    So, I just forwarded it on to our design/development team, where it's all collected—every last bit of it—in a database. Just about every day, they go through all of it and code it, asking questions like Where is this person in their budgeting journey? What problem are they wanting to solve? 

    Then, in regular research cycles they analyze all this collected feedback to plan for what's next in YNAB! Maybe we'll see it there one day. :) 

    Like 2
  • The undo is only for the current browser session, so there is not a log that would take you back a week

    Like 2
    • negrcian That is correct! The undo options is also reset if you refresh or switch to a different browser. 

      Like
      • bigGolfGuy
      • software architect & technologist
      • mhornak
      • 2 yrs ago
      • 1
      • Reported - view

      Faness at YNAB - insight into those transactions are helpful, even if persisted for the session.  I'm not sure that anybody would be hitting refresh or switching browsers while working through a budgeting session.

      Like 1
    • mhornak Got it! I understand how that list could be helpful, even if it isn't a very lengthy amount of history. Making sure that's included in the feature request! :)

      Like
  • Hi,

    I'm a brand new user and i'd like to lend my vote to this feature request.

    This was the first thing that jumped out at me as an obvious shortcoming. We, as users, need to be able to see a record of funds moving between category "envelopes" in order to better understand how accurate our budgets are (among other reasons).

    Being a programmer, I get that this is a non-trivial feature to implement, but please please do.

    Good luck! Great product!

    Like 2
      • nolesrule
      • YNAB4 Evangelist
      • nolesrule
      • 2 yrs ago
      • 2
      • Reported - view

      DJW Your average spending history will tell you how accurate your categories need to be going forward. The fact that your past original amounts budgeted had to be changed just means you didn't have a good grasp on how much you actually spend in a category.

      People tend to underestimate their expenses.

      Like 2
      • DJW
      • djw
      • 2 yrs ago
      • Reported - view

      nolesrule Thank you. That's good feedback. Are you saying that you do not believe having a log of category-to-category moves would be useful in reviewing the specific ways your budget is wrong? Does average spending history give you that granular info?

      Like I said, I'm a noob and therefore open to any good advice.

      Like
      • nolesrule
      • YNAB4 Evangelist
      • nolesrule
      • 2 yrs ago
      • Reported - view

      DJW What I'm saying is that your actual spending is a reflection of your priorities, and that is what should be driving the amounts you fund in each category. Moving money from one category to cover overspending is another reflection of your priorities (relative between those categories). it's not something that needs tracking because it should be a thoughtful decision-making process.

      If you are trying to control spending in a particular category, then that should be your driver limit your spending in a particular category. Choosing whether or not to do that is also a reflection of your priorities.

      Having a log might be a nifty bells and whistles feature but it doesn't really affect your planning for what to do with the money you have now. What would you actually do with the information if you had it available? How would it affect your decision-making process going forward? I mean, maybe it might help in correcting a data entry error here and there, but as you become familiar with your budget over time, you'll know when you made a mistake at a glance.

      ETA... I'm also a programmer, and I've been using YNAB4 for 4 years.

      Like
      • Coral Mask
      • Coral_Mask.6
      • 1 yr ago
      • 2
      • Reported - view

      nolesrule Sometimes mistakes are made. Case in point from today. My husband came home from buying a printer cartridge. He thought that the category was supposed to be Computer, but when he went to record it there was no money budgeted for it. I know that there had been money there, but I must have moved it. If there was some way I could know where to move it back from, I could move forward from there. I've been using YNAB for 2 1/2 years, so I think I have plenty of experience. I was probably trying to do too much, too late at night. :-)

      Like 2
      • Khaki Storm
      • YNAB book topics online: https://support.youneedabudget.com/r/q5w48j
      • Khaki_Storm.1
      • 1 yr ago
      • 1
      • Reported - view

      Coral Mask I've noticed the lack of an audit trail as well. That's one reason I stopped using spreadsheets almost 2 decades ago and switched to a software made for budgeting. However, that software was at the end of it's life, and now I'm here wondering the same thing as you, where's the audit trail. 

      Like 1
      • Coral Mask
      • Coral_Mask.6
      • 1 yr ago
      • 2
      • Reported - view

      Ben Khaki Storm I totally agree about an audit trail. As a former accountant and auditor, the lack of an audit trail always makes me a little uneasy. 

      Like 2
      • Khaki Storm
      • YNAB book topics online: https://support.youneedabudget.com/r/q5w48j
      • Khaki_Storm.1
      • 1 yr ago
      • Reported - view

      Coral Mask You wouldn't want to become an auditor again would you? My company is always hiring :) Like I've said before, I'm not an accountant or auditor, but I work with a lot of them.

      Like
      • Coral Mask
      • Coral_Mask.6
      • 1 yr ago
      • 1
      • Reported - view

      Ben Khaki Storm Honestly, no. 🙂 I ditched debits and credits and went into IT around 1990 and loved it. That evolved into Project Management...never a dull moment. However, now I am disabled now can only work a few hours a week. In the afternoons or evenings. From home. Other than that, I'm available. Ha!

      Like 1
  • I’d find this useful for when my other half makes changes in the budget I’m not aware of and vice-versa. It helps to be able to track which categories have been used to WAM  from. Agree with nolesrule  though that it’s more important to reflect on how your spending reflects your actual priorities. 

    Like 3
  • smarsh said:
    I’d find this useful for when my other half makes changes in the budget I’m not aware of and vice-versa.

     Okay. Now there's a reason for it I can get behind. 🙂

    Like 3
  • Hello all! :)

    I just wanted to drop a quick link to our Feature Request form. That goes straight to our development team, so you can let them know exactly what you'd like to see going forward! We'd appreciate you filling it out!

    Like
  • I would also like to see this. Sometimes I move money between budget categories, but then later I can't remember how much I moved. And when things get confusing, it would very much help to see how much I moved. Bonus feature:  If I can record a note any time I move money between categories, it would be very helpful. Right now, I can leave a note, but it sticks to the category across all months, rather than being associated with the money movement itself.

    Like 3
      • Jannelle
      • jannelle_ynabsupport
      • 1 yr ago
      • 3
      • Reported - view

      Dave I will certainly pass along your feedback! I especially love your bonus feature suggestion. 😊

      Like 3
      • Coral Mask
      • Coral_Mask.6
      • 1 yr ago
      • 1
      • Reported - view

      Dave Yes! Notes that are for one budget only would be amazing!!!

      Like 1
  • +100 for adding a feature for logging/notes when moving money between categories. I submitted a feature request with a couple of use cases. 

    While I'm sure there are a few ways this could be resolved, it seems fairly simple for money movement between categories to be logged as an actual transaction (similar to how bank account transfers (personal account to personal account) are noted)? Not only would there be a "log" of this activity, but there is a line for notes. An issue would be that transactions are logged on an account basis. This could be resolved by issuing a default YNAB account listed along with CCs, bank accounts, etc. where "transactions" that are internal to YNAB money movement are noted.

    Like 4
  • +100 from me too!  Would be so useful especially when someone (cough, cough...my spouse...cough, cough) is moving money between categories.  

    Like
  • I just want to throw some support behind this feature request. I have found I will move money by accident or don't remember where I moved it from or to if I am working too quickly. would love to see a log I could go back and reference.  

    Like 1
      • JoeDid
      • Remember: It is To Laugh
      • Purple_rain
      • 10 mths ago
      • Reported - view

      Vektra Posting here about a problem or request doesn't further the cause. There's a feature request option at the top of the page where you can add your name to the list of people asking for this. If a rep even sees your post, they will probably ask you to do that anyway.

      Like
      • Vektra
      • vektra
      • 10 mths ago
      • Reported - view

      JoeDid Thanks, will do. 

      Like
  • Yes please. I need this feature

    Like
  • Yes please! I need this

    Like
  • Another vote for this please. Sometimes I accidentally move money into the wrong category and can't find it! A log would really help. Also, sometimes it can be confusing trying to work out how credit card category balances got to be how they are, especially when they are partially covered and partially overspent - a history would help with figuring this out.
    YNAB says that it is your budget that matters and not your bank accounts so let's please have a history of what's happened in the budget and not just the account!

    Like
      • Vektra
      • vektra
      • 10 mths ago
      • 1
      • Reported - view

      Magenta Boat for the other people who want this feature please do what JoeDid suggested and put in a feature request. It will help.

      Like 1
    • Vektra sorry to be stupid but can you point me towards a link for doing that, or some instructions? I can't find it 

      Like
      • JoeDid
      • Remember: It is To Laugh
      • Purple_rain
      • 10 mths ago
      • 1
      • Reported - view

      Magenta Boat  

      Like 1
    • JoeDid Thanks, done.

      Like 1
  • Sorry is this is a simple question, but how can we add a vote to the request? Seems like that would help make a consensus about what to get started with... I cannot find anything like that though. When I go to the Feature Requests, it wants me to add one...

    Like
    • Hi Tan Inspector !

      There isn't an option to plus one or vote for feature requests. We ask that each idea be submitted as a new feature request to gather additional details and preferences. Our development team codes the requests we receive, so they're all gathered, sorted and reviewed.

      Like
  • New user here. I also think YNAB should keep a complete activity history log that I can look through at any time.  It could be very helpful in clearing up confusions.

    For example, let's say I have a Food category with a $100 monthly goal and I budget $100 in a given month, all is good. Budgeted shows $100 and the goal shows met.

    But then I decide to move $50 out of this category.  Budgeted now shows $50 and the monthly goal is now unmet. That's all okay and I understand it at the point of moving the funds.

    BUT a week later I'm confused when I see the $50 budgeted and the goal not met. I *know* I budgeted $100 because I also do that each month. My first inclination is to blame YNAB!  How did it mess up my $100 and change it to $50?  There's no way to understand how my $100 turned into $50 by just looking at the budgeted column.  

    However, if we had a history of activity, then I could look back and see that I was the culprit!  

    Even better, when I perform an action in YNAB, such as a move, it would be great to add a comment that shows up in the activity history. So for my movement of $50 out of food, I could add a comment "Needed to cover unexpected pest control bill"..  I would see that in the activity log and have my "AH ha! moment" and stop blaming YNAB :)

    Like
      • dakinemaui
      • dakinemaui
      • 9 mths ago
      • Reported - view

      Veloz you might make an entry in the month comment area to combat future confusion. I'd be happy if the undo info would persist across browser refreshes.

      Like
  • Having an audit trail for personal or multiple people is critical. When moving money around within a budget viewpoint it is critical to know where the money was moved and for what reason. We can currently see information about the activity for a budget item. We should also be able to see the activity for each budget item. Perhaps a history icon that when clicked gives you all the actions that were done for that budget month.

    Also under the main menu drop down an Audit that can be searched for all actions. That may be a separate forum discussion.

    Like
    • Hi Orchid Mermaid !

      An audit trail or historical action log is something our Product Team is looking at closely—especially as we explore the possibility of multi-user budgets. For now, it hasn’t made it to our short-term roadmap, but we're keeping it in mind as we move forward with improving budgets between partners. It isn't something we expect to see in the app soon, but it is on our radar.

      Like
      • Veloz
      • Steel_Blue_Grizzly.7
      • 5 mths ago
      • Reported - view

      Faness your reply is nicely worded, but it's the same dead end I've been told on this topic several times. In sorry to say you will be losing a customer over this when this year runs out. Auditing/logging is not an optional feature in a financial application, is it an essential, and the fact that it's be treated with ambivalence is mind boggling. If your accountant did your company's books and did not keep a trail of transactions and activities, you would fire him. Why does our money deserve any less?

      Like
      • dakinemaui
      • dakinemaui
      • 5 mths ago
      • Reported - view

      Veloz One is rooted in reality, the other is merely in your mind. Vastly different.

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

      Veloz It is obviously not essential as I've never had it in over 10 years of YNABing and I have done very well, thank you very much. Hint: Look forward, not back.

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

      Veloz One more point. This is not accounting software. It is budgeting software and there's a big difference. It was written to apply a custom set of rules and it does that very well in spite of what you expect it to do.

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

      Veloz It's the same answer because people keep asking the same question.  Why wait until the end of the year to move on?  I believe YNAB will refund you for unused months.

      Like
      • Veloz
      • Steel_Blue_Grizzly.7
      • 5 mths ago
      • Reported - view

      dakinemaui perhaps, but the need for it is no less. If Undo were fully implemented this would help a lot

      Like
    • Faness Thank you for the update. YNAB is an amazing budgeting tool. 

      Like
  • I'm with the minority on this one: this feature wouldn't add any benefit. My audit trail lies in the transaction log. If I tracked every time I moved money, I wouldn't have time to work my budget.

    I've been caught up in the headspace of "I used $18.67 from groceries to cover gas this morning so I owe myself that on next pay." What happens here is my time and money get wrapped up in "owing myelf" that I stray from actually budgeting. The fact that I've had to top up gas with funds from another category for the past three months means I need to budget more for gas. 

    The money I earn is mine. All of it, no matter how much I put in each category. I don't owe myself that grocery money; it's already given. I owe myself a deep-dive into my priorities.

    Tracking location is a "feel good" habit; tracking cashflow (ins and outs of accounts) is an actionable one. 

    Just another side to it. 

    Like 5
      • dakinemaui
      • dakinemaui
      • 5 mths ago
      • 1
      • Reported - view

      dangerosity Exactly. If you had been better at predicting the future, you would have put that money into Gas instead of Groceries to start with. 

      No one is infallible, so we just make our best guess at the time and adjust as needed.

      Like 1
    • dangerosity That's a good viewpoint, however, I wasn't thinking about it as what I'm owed, more just to remind myself how the budget for an item changed that month because I needed to move some items around. I wouldn't stop using YNAB if it did not have it, however, I think it is definitely a nice to have for a reminder on how money moved around. If I budget $100 for an item, and then another day move $20 to another item, then come back later and ask why is it $80 instead of $100. Not an issue with 1 item, but when you have a lot of items it would be nice to see how the budget / available changed outside of transactions.

      Like
      • dakinemaui
      • dakinemaui
      • 5 mths ago
      • 1
      • Reported - view

      Orchid Mermaid If I think I might later be confused why the budget value isn't its "normal" amount, I would just make a note. This way I wouldn't think it was accidental. (The monthly note area seems perfect for this.) 

      Most of my reallocations are from other discretionary categories which almost never wind up with their nominal amounts, so I don't bother with those. In fact, if they ever did finish the month as nominal, I might make a note that I actually predicted correctly for once!

      Like 1
    • dakinemaui The monthly note idea is great and that's what I've been using for these types of notes. The only problem is that you have one note per entry and if you change the note next month it will show up for the previous month. For this to work the notes would need to be different. While I could just update the note to have something about the last month and current month, that seems like a hassle. Perhaps even instead of notes, they're comments that you could add.

      Thank you for your insight into this.

      Like
      • dakinemaui
      • dakinemaui
      • 5 mths ago
      • Reported - view

      Orchid Mermaid I'm talking about the note at the top of the budget area, which is unique to that month.

      It sounds like you're talking about the category note; this could do it as well if you can tack on the month as part of the note.

      Like
      • dangerosity
      • Aquamarine_Piranha.9
      • 5 mths ago
      • 2
      • Reported - view

      Orchid Mermaid to me that's more of an organizational issue than a YNAB-lacking-a-reporting-feature one. If I moved $500 from Vacation to Rent, I'd want to remember that, either with the monthly notes, a calendar reminder, or a scheduled transfer. Those big moves don't happen often. Moving $10-50 around is a regular occurence for me between 33 main categories. 

      I stay on target by setting a spending cap in the category name: Groceries 350, Phone 50, Rent 1,000. At month end if I see activity for Groceries equal to 550, it doesn't matter where I pulled the 200 from; the real issue is I overspent by 200. dakinemaui said it beautifully: if we were better at predicting the future, that money would've been earmarked properly already. 

      If I really wanted to know where I pulled from I could look and see that Fun Money's available balance is 100 less, and my Gas and Physio available amounts are down by 50 each. Bingo! I know where the money originated. All the data I need to make informed decisions is on one screen. 

      This is a personal choice, but it is fast and effective. Perhaps the use of scheduled transfers and goals would help keep things balanced? 

      Like 2
      • dangerosity
      • Aquamarine_Piranha.9
      • 5 mths ago
      • Reported - view

      To clarify I'm not shooting down anyone's organizational habits. You have to do what works for you. In this case I don't believe a report is necessary. A tweak to how you track numbers that are important to you would give you the visibilty you want. 

      Like
      • Veloz
      • Steel_Blue_Grizzly.7
      • 5 mths ago
      • 1
      • Reported - view

      dangerosity I do feel like you, and others, have shot down the idea that several people here have said they wanted , and that's too bad. Just because you don't see the need for something doesn't mean it's of less value to them . In my use case , several times I've had to shuffle funds around because unexpected issues arise. This is not due to my being a poor planner. Life happens. Often I have to do this on my phone where the interface is not quite as friendly as the desktop. In those cases, after several moves, I've ended up with category amounts that didn't make sense to me and  I wanted to get back to where I started, but did not have the information to do so. A small log listing that shows funds moved into and out of categories would show how they got their balances, either from fat fingering on my behalf, or perhaps from a bug in YNAB.  Also, being able to review this log across time might make it clear to me which categories I'm moving around often, so I can then reconsider my budget overall. To me, tracking movement between categories is almost important as tracking transactions into and out of a banking account.

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

      Veloz 

      Veloz said:
      being able to review this log across time might make it clear to me which categories I'm moving around often, so I can then reconsider my budget overall

      It's not "shooting down" ideas for the sake of shooting them down. When your justifications can be achieved a different way -- especially a more efficient way -- people are going to point that out.

      For the example you cite, the usual way people look for evidence the nominal budget values might need to change is if their values at month end are chronically/substantially different than the nominals. No need to comb through a log of actions to understand how the numbers got that way. Just looking at the ending numbers does the job.

      People are generally trying to help you solve the underlying problem.

      Like 4
      • dangerosity
      • Aquamarine_Piranha.9
      • 5 mths ago
      • 2
      • Reported - view
      Veloz said:
      This is not due to my being a poor planner. Life happens

      That's my point. Life happens. It's unpredictable but we do our best to predict it. Even the best planner gets caught by surprise.

      I found that a small adjustment to one habit solved the issue and I wanted to share. It can be implemented much quicker than a software update. 

      If you require this kind of granularity, you may be better served by an accounting software, as that's what they are designed to do. They look at money moving between buckets/accounts as well as inflow/outflow and can generate the reports you desire. As you stated that you'll be finishing with YNAB at the end of the year, this may be a great option to consider. There's a lot of software out there that would meet your needs. 

      dakinemaui said:
      People are generally trying to help you solve the underlying problem

      Couldn't agree more. As much as you're for this feature, I am not. Neither is right or wrong, it's just preference. 

      Like 2
      • bigGolfGuy
      • software architect & technologist
      • mhornak
      • 5 mths ago
      • Reported - view

      dangerosity - curious to your thoughts on the Activity column producing a list of the transactions that make up that amount?

      Like
      • dangerosity
      • Aquamarine_Piranha.9
      • 5 mths ago
      • 1
      • Reported - view

      mhornak I like it. The Activity column shows the transactions that explains where the money in the Budgeted column was spent, with the Available column equaling Budgeted less Activity. It doesn't track movement between categories.

      Check out the screen shot from my April budget. I allocate $100 to Unexpected Costs, as indicated in the category name. I top it back up to 100 when it drops, since I don't have many surprises and they are not more than that. You'll see 80 Budgeted, 45.18 in Activity (a surprise expense that I didn't account for) , and 34.82 Available. The category name and Budgeted values don't match because I moved 20 to Taxes/Legal (not shown, but it currently has a 20 under the Budgeted column to cover my tax software fee).

      My budgeted amounts for savings and variable and discretionary spending change constantly; by using the category name to house another important data point (namely, the amount the category needs monthly), it's quick and easy for me to see that money has moved and where it went.

      Now I just have to top up Unexpected Costs with 65.18 (added to available amount of 34.82 = 100) on next pay day.

      Like 1
      • bigGolfGuy
      • software architect & technologist
      • mhornak
      • 5 mths ago
      • Reported - view

      dangerosity - follow-up, if that feature wasn't there, where the transactions fly-out when hovered over,  would you care?  Asking b/c squaring up comments earlier about not looking retroactively at things and looking ahead.  knowing what transactions make up that amount, shouldn't matter, just the fact the total is what it is...

      for completeness, i'm the OP on this topic, looking for a "tape receipt" of budget activity in a given category, similar to the Activity column.

      Like
      • dangerosity
      • Aquamarine_Piranha.9
      • 5 mths ago
      • Reported - view

      mhornak I don't use the pop-up that jumps out when you click on the amount under Activity. There aren't many instances where I've had to go back and review transactions in the register either. 

      When I've had to look back, it's sometimes related to a payee not logging a payment that was made. In that case I pull up my banking and find the proof that the transaction went through. 

      When entering at point of sale and spending based on a plan that was made before actually spending, the history doesn't come into play for me. I look at present and upcoming priorities: is tax time coming up? Is Aunt Suzy sick again and needs a live-in caregiver for a couple of weeks? With school starting in 4 months, should I bulk up my son's clothing and supplies categories? 

      To prevent scope creep, I pay myself first (IR, EF, retirement, pocket money), cover necessary spending (monthly bills, variable necessities like groceries, and true expenses), and then do whatever I want with the remainder (nice dinner, spa day, top up savings/true expenses). What I spent last month or last year doesn't factor in to determining what I need now. Prices, priorities, and circumstances constantly change. 

      Like
  • Moving money around doesn't mean that it's because the money was improperly allocated to begin with. Additionally, YNAB likes to sell that it works for multi-user budgets, which might be okay for some people, but it definitely does not work for others. Without a way to identify changes made, it  I have no idea what changes were purposely or accidentally made by my partner and vice-versa. 

    Like 1
  • dangerosity said:
    If I moved $500 from Vacation to Rent, I'd want to remember that, either with the monthly notes, a calendar reminder, or a scheduled transfer

    dangerosity   ,how would someone do a scheduled transfer from one category to another?  Is that possible today?

    Like
      • dangerosity
      • Aquamarine_Piranha.9
      • 5 mths ago
      • Reported - view

      James I should have been more clear when I said transfer: in the case of vacation money needing to be moved, Vacation will still need that money at some point (assuming I am planning a trip), so I schedule transactions in my banking app to fill it back up i.e. two transfers on the next two pays for $250 each. I reflect this in YNAB on the appropriate pay days by putting $250 each day back into Vacation. Important to note that I transfer money that will not be used for 6+ months into a high-interest savings account, otherwise I wouldn't have to set up these transfers.

      I don't think you can schedule movement between categories. I have only used the Move feature which is instantaneous. 

      Like
      • James
      • Purple_Mill
      • 5 mths ago
      • Reported - view

      dangerosity Thanks for the clarification.   Here's my use case:  I am planning to go on vacation in 6 months (ok, bad example in these times) and want to buy the ticket today as it will be cheaper than in 3 months.  I don't have enough  money in my vacation category yet, but I do have a large savings category.  So I want to transfer some money from savings to vacation and then every month pay it back to myself.   I presently write a category note, but sometimes I forget, and then I don't remember how much was transferred.  That's where the log would come in handy.  But your idea of a scheduled category transfer would even be better in that case.

      Like
      • dangerosity
      • Aquamarine_Piranha.9
      • 5 mths ago
      • 1
      • Reported - view

      James Calendar reminders on my phone are great to refresh my memory. If I took $500 out of savings to buy a plane ticket and wanted to put that $500 back into savings, I then set an event in my cal on the next 5 pay days to put $100 back to savings, which would trigger me to move $100 to savings in YNAB. 

      Like 1
      • James
      • Purple_Mill
      • 5 mths ago
      • 1
      • Reported - view

      dangerosity That is a much safer way than to write a note. I personally still think the logging functionality would be useful, especially for people sharing a budget.  But at least for my vacation use case, your solution is good enough.  Thanks.

      Like 1
      • dangerosity
      • Aquamarine_Piranha.9
      • 5 mths ago
      • 1
      • Reported - view

      James 

      dangerosity said:
      since this event is imminent and set in stone, there is a reminder in my calendar to put those funds back

       I wanted to point out this part of my other comment: this is the criteria that warrants a cal reminder for me. Otherwise, I replenish naturally or as needed, as dakinemaui said.

      Like 1
  • dangerosity said:
    If I moved $500 from Vacation to Rent, I'd want to remember that
    dangerosity said:
    Vacation will still need that money at some point

    I don't feel there's any need to remember that. Presumably your Vacation category has a goal to get where it needs to be, and those budget entries compensate for the reallocation.

    I've realized there is no need to track "paybacks", as it's always one of these two scenarios:

    • Took from something less important and I'm OK with reducing scope or increasing timeline of that.
    • Took from something important because of its timeline. Replenishing it happens naturally.

    (I might make a note for an unusual budget entry so I know it's not a mistake looking back later, but that's as far as it goes.)

    Like 1
      • dangerosity
      • Aquamarine_Piranha.9
      • 5 mths ago
      • Reported - view

      dakinemaui 100% agree.

      It's rare for me to set calendar reminders nowadays. I reallocated $500 out of my March 2020 Toronto trip category, which has obviously been postponed. It's a birthday gift to my son, so we are going once restrictions lift. That $500 will bring me back to having the total cost covered.

      Pre-YNAB, I'd set a reminder to put the money back to its rightful place. Now with YNAB, I have a by date goal, which renders the reminder useless. Replenishing happens naturally 😁

      Old habits die hard, however, so since this event is imminent and set in stone, there is a reminder in my calendar to put those funds back. Goes back to the days when I did calendar budgeting.

      Like
      • dangerosity
      • Aquamarine_Piranha.9
      • 5 mths ago
      • 1
      • Reported - view

      dakinemaui give me a couple more months and I may kick the habit!

      Like 1
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