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? 😡
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:
- Cash overspending has been mentioned already - be sure to check hidden categories, too!
- Did you make any balance adjustments today, by chance? Those will impact Ready to Assign.
- 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. 😊
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:
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.