Month rollover & negative assigned money

I DO NOT understand this garbage about my Ready to be Assigned going into a negative amount at the start of a new month. I've been on YNAB for several years and don't remember this happening until recently.

I do not currently have a credit card balance and my cash spending is fairly minimal. I withdraw less than $100 in cash a month, which I mostly spend at the farmers market (which is budgeted in my grocery category) and occasionally at the vending machine at work (snacks). 

On Aug. 31, everything was fine — my money was all assigned and I had no categories in the red. I was even able to assign money to several of my September expenses. Now, today, on Sept. 1, all of a sudden YNAB tells me I have assigned $193 more than I have. It says I had $56 in cash spending in August, even though I only actually spent $18 cash in August. 

My budget is FINE. I have NOT overspent anything, even in my cash purchases. Why does YNAB assume I have no money at the beginning of the month just because I spent a bit of cash in the previous month THAT WAS INCLUDED IN MY BUDGET??!!!???  I have an emergency savings category that I can assign to my Ready to be Assigned, but why should I have to do that when just yesterday my RTBA was 0? 😡

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

    If YNAB is telling you you have cash overspending in August, then you have cash overspending in August. Did you check for late-imported transactions dated August? Cash means  spending from all accounts that are not credit/HELOC types, not just physical cash.

    Like 1
    1. Go back to August's budget in YNAB
    2. Find the category that was overspent.  It will have a negative Available amount
    3. Look at the Activity for that category
    4. Understand what happened and act accordingly to fix it
    Like 1
    • Cash That's the thing, I have NO negative available amounts. I didn't on Aug. 30, I don't today. 

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  • Violet Zebra There are a few reasons that Ready to Assign might be negative in the new month - I'm sure we can get to the bottom of it! The suggestions above are excellent - here are a few more things to check for:

    1. Cash overspending has been mentioned already - be sure to check hidden categories, too! 
    2. Did you make any balance adjustments today, by chance? Those will impact Ready to Assign.
    3. Check for any newly imported/entered outflows that may have accidentally been categorized as Ready to Assign.

    If the cause is still a bit mysterious, I'd love to dig in further! 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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  • 1. I did. There's no overspending in hidden categories because I don't use those categories. That's why I have then hidden.
    2. I did make a balance adjustment in my cash account on Aug. 28 because I hadn't been keeping track of that one for awhile.
    3. Nothing there, either.

    This is from an article on overspending in the YNAB help: 

    Cash Overspending

    When you overspend with cash, you're spending all the money in that category plus some money from your other categories, so there's a risk of over-drafting your actual bank account. Because of this, it is important that you hold your budget accountable. YNAB does this by subtracting any cash overspending from your Ready to Assign in the following month

     

    What I don't understand about that is, if I overspend from ANY account, but I cover it by moving funds from another category, especially if its a savings-type of category, before the end of the month, then why is there an amount deducted from Ready to Assign the next month? As I said before, I don't remember this happening until recently, and really, before this year I had a lot more problems with overspending than I do now. I am confident my budget is fine, and I do thank YNAB for that, but this is just a PITA if it's going to happen every month.

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

      Violet Zebra If you are covering the overspending in one category with money from another category in the same month that it happens, future RTA should no longer be negative. I would take Rachel up on the offer to enable support access and let them take a look at your budget. 

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

      Violet Zebra 

      Violet Zebra said:
      2. I did make a balance adjustment in my cash account on Aug. 28 because I hadn't been keeping track of that one for awhile.

       If you adjusted down, then that adjustment will come out of RTA unless you changed the category on the adjustment transaction.

      Like 2
    • Violet Zebra That Reconciliation Balance Adjustment could definitely be the culprit here! As long as your cash overspending was covered, before the month rolled over, that won't impact Ready to Assign.

      Let me know if you'd like me to take a closer look! 

      Like
    • Rachel I think I will have you take a look at it because the Ready to Assign KEEPS CHANGING. 

      Yesterday, Sept. 3, my Ready to Assign was at 0. 

      This morning, I opened my account to do some updates and Ready to Assign showed a positive amount of about $2.  There were no transfers, no entries since the last time I had checked. I thought it was odd, but moved it into my dining & snacks category. My car tags will cost less than I anticipated, so I moved a small amount from that category to my dining and snacks. Everything is assigned again and looks good.

      A few hours later, I open my account to make an entry and now it's telling me I have assigned $6.36 more than I have. This. Makes. No. Sense.

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    • Violet Zebra I'm sending you an email so we can dig in!

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