Refund Transaction Amount Doesn't Go to "To be Budgeted"
Yesterday, I had $0 "to be budgeted." Today, I received a $200 refund to my credit card. I categorized this as an inflow "to be budgeted." My "to be budgeted" amount still says $0. Where did my $200 go?
It's probably down in your credit card payment category. If the original purchase occurred while you were using YNAB, don't classify it as TBB, classify it back to the category that it came from (clothing, electronics, etc). This will keep your spending history more accurate. This will increase the category available balance and if you need to, you can reallocate from there. If the original purchase happened before you started YNAB and was included in your starting balance, I would say leave it categorized as TBB and just sweep it out of the credit card payment category.
Your $200 reduced the balance of your credit card without changing any budget category. If you owed $1000 and had $1000 in the card payment category before this transaction, after the transaction you will owe $800 and have $1000 in the card payment category. One would think that there would be a way to record an inflow to a credit card that has a payment category equal to the balance in a way to reduce the payment category and increase TBB. One would be mistaken.
This is a bug. There is no way to make a deposit to a credit card that goes to TBB without making an adjustment on the budget page. I believe the official recommendation is to go to the budget page, and move $200 from the card payment category to TBB.
Interestingly enough, if you record the $200 refund as a split transaction in a cash account - total $0, inflow $200 TBB, outflow $200 transfer to credit card - you will get the result you would expect from simply recording a $200 inflow to the credit card categorized as TBB.
Support will be along shortly to explain that this is not a bug, it's an intentional feature. But it sure looks like a bug to me.
Chiming in months later because I'm having the same issue . . . Just started YNAB a few weeks ago and had difficulty working out credit card issues, but was finally able to make it work (available amount at CC Payments category matched the amount in my account).
I pay off the CC that I use for monthly spending (viva points and rewards!). Pre-YNAB, I made some purchases that I had either paid off prior to YNAB, or were included in the starting balance - - which has since been paid off. Then I got some refunds (canceled the reservation for a cabin at a state park and returned some things to Amazon). This left me with a positive balance on my card. Yay for me! But uh-oh . . . YNAB won't work.
I'm not entirely sure how, but thanks to some info and inspo in forum threads I was able to move money from TBB and from CC Payment category (Budgeted and Available) and got the Available amount to show the same amount. I thought the problem was solved, but when I entered a fictional transaction just to see what would happen when I go back to red in my CC account, the numbers got all jacked in my budget. It was able to calculate properly in my account, but when I went back to my CC Payments it showed a positive number in the Available amount that was nothing I could decipher, and was unable to fix when I tried adding and deleting various amounts from my Budgeted or Available amount.
Any ideas of what to do? I'm happy with my budget but dang, this CC stuff should not be this hard. Good to know about the bugs and other issues, but what's a good workaround? Just ignore CC category and keep paying what I know I need to pay? Can I trust the available amounts in the rest of my budget categories? I'm loving YNAB for everything but CC Payments . . . :(