Overspent for Credit Card not making sense

I just added a credit card account to YNAB. What it's showing for "overspent" makes no sense to me.

The physical CC account had a balance of 10.71, which YNAB correctly sensed when I created the linked account.  

To start of with a clean slate, I "moved" 10.71 from some other category to the credit card payment category, and then made a payment, and entered that payment into YNAB.

So far so good, I've added a few other visa transactions in YNAB since then, always specifying a category that had funds to cover the charge.  These total 372.94. Indeed, when I look in the left pane where YNAB shows current account balances, it shows -372.94 for the credit card account.

But when I look in the budget, it shows 372.42 waiting in the credit card payment account, with an "overspent" amount of .52   (the difference between what's owed on the CC account and what YNAB shows in the credit card payment catgeory.

None of my categories show as red/overspent, so I can't figure out what this .52 is about.

I suppose I could move another .52 from some other category to the credit card payment category, but why does it show .52 lacking in the first place?

Michael

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  • Veloz said:
    None of my categories show as red/overspent, so I can't figure out what this .52 is about.

     Credit card overspending is shown in yellow, not red. it can easily get lost if you have other yellow categories in your budget for other reasons (underfunded goal, not enough for upcoming scheduled transactions, etc.)

    Like 1
      • Rakuna
      • rakuna
      • 6 days ago
      • Reported - view

      nolesrule To add to this: when the yellow is indicating credit card overspent it also has this small symbol with a credit card and exclamation mark in the yellow pill. The underfunded yellow is just a simple yellow pill. 

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  • If it is the CC Payment category that is overspent (and red), that signifies you sent them more than was Available. Double-check that the starting balance transaction and the Payment category budget entry match.

    Another possible reason is a return that exceeds the amount Available in the category, most commonly right after after a payment. Meaning, there was enough for the payment, but the return rendered the payment excessive after the fact. (You basically got 2x the debt reduction you should have.)

    However, yellow overspending in normal spending categories is the typical cause, and a good way to verify in the current month is to look in the header in the account register. (I'm assuming you added this account in October.)

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  • nolesrule said:
    it can easily get lost

     Would be nice if this came up as a different colour than orange to make it clearer.

    Like 3
  • MXMOM said:
    nolesrule said:
    it can easily get lost

    Would be nice if this came up as a different colour than orange to make it clearer.

     The color is only part of the problem.  Once November begins, the "Overspending in October" header will show $0.00 even if you did, in fact, overspend.

    (Excess credit card activity doesn't count as "spending" in YNAB's representation of things -- it's intentional debt growth. But frustratingly, YNAB doesn't consider that debt growth important enough to deserve its own budget heading / warning. It's pretty obfuscated.)

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