CC Payment not in Income vs Expense Report

For the most part, I have figured out how to use the CC features in YNAB and it has been working great for me. I am now trying to use the reports to get better insight into my debt reduction and overall spending. When looking at the Income vs Expense report, I noticed that it isn't factoring in the amount of money I am budgeting and paying down on a credit card with a balance. I only put one purchase on this credit card and it had an introductory 0% interest for x months. I am working to pay that down so each month I budget money in the credit cards payment area and then make that payment. When I look at the report, that payment doesn't show up as money spent so my net income or loss doesn't reflect that money that I spent. Additionally, I tried adding a debt payment category but since it won't let you categorize a transfer from one account to another, I can't use that route. Any suggestions or thoughts on getting these transactions in the reports?

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  • My understanding is that when you made the purchase, that went on the credit card, that is when the purchase was made, and is included in your report.  The credit card payment is spending for something that is already accounted for.  Only new charges would be interest and since you are paying  0% interest on the card, there isn't anything to add to your expenses monthly.  This one threw me for a while also.  Have you taken the classes?  They clear a lot of this up.   I would recommend the general "credit card" class to help with this issue.  There is a recording in YouTube and, of course, there are daily live classes on this.  

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      • nolesrule
      • YNAB4 Evangelist
      • nolesrule
      • 5 mths ago
      • 2
      • Reported - view

      The above written by TryingToGetAhead is correct. The purchases on the cards are your expenses. Credit card payments are really just a shift of money between accounts.

      Reply Like 2
    • nolesrule This  is true for all  payments I made once I  started using  ynab, but this isn't true when considering paying off pre-ynab CC debt. That IS an expense, and doesn't appear to show in the income vs expense report.

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      • nolesrule
      • YNAB4 Evangelist
      • nolesrule
      • 2 mths ago
      • 1
      • Reported - view

      Forest Green Transistor the debt from before YNAB is not categorized as an expense. Check the starting balance category. 

      Reply Like 1
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