What causes a credit card's "Budgeted" column to be positive/negative if I always budget for it in full?
While working on some other YNAB entries today, I noticed that some months have a positive or negative "Budgeted" column for our credit cards. My wife and I always budget for our cards in full which, as I understand it, happens automatically by spending money from something like our Grocery or Spending Money budgets with a credit card; then YNAB moves money from that category's "Available" column to the credit card.
Most months in our YNAB history have $0 in the "Budgeted" column for our credit cards, we do not manually budget money towards our credit cards. We also do not manually budget money *away* from a credit card. I did just make another forum post about issues with badly categorized credit card rewards; for example, a statement credit that was marked as "Inflow" to a credit card account but categorized as "Spending Money" instead of "To Be Budgeted". Would this kind of transaction cause the "Budgeted" column of a credit card to go negative? What causes it to be positive?
Matt Boomer said:
We also do not manually budget money *away* from a credit card
A negative budget entry is exactly that. However, it's typical to do this when you have a CC purchase rewards, which is normally categorized as Inflow: To Be Budgeted. That credit reduces the debt, but not the amount reserved for payment, leaving the latter to be done manually.
Matt Boomer said:
What causes it to be positive?
Make a positive budget entry if you need a larger payment than the automatic amount that would cover recent budgeted purchases. This is typically done for the starting balance on the card or overspending you couldn't cover in a previous month.