Carry negative balance forward is still not possible, right?
I just wanted to make sure I'm correct on this. I left YNAB when the red arrow right feature was removed. I've read the discussions and I don't need you to tell me how it's better to not have it. I understand the rules and philosophy that YNAB likes to preach. But I was a user who liked the software for its own sake. I don't need, nor want, the software to force a strict adherence to its own method. So I moved to a different solution. The one I moved to is pretty slow and bloated and I'm evaluating my options and figured I'd check to see if YNAB was still unusable or not for my use case.
So can someone confirm that there still isn't a way to carry negative balances forward?
Superbone Can you explain "carry it over manually each month"?
I have used YNAB all the way back to the YNAB Pro days and the red arrow right is something that I used a good bit to track categories that I receive reimbursement for. I have the funds to carry the debt over, but I don't want it affecting other categories. I agree with Orchid Trumpet , this missing features is one of the main reasons I have stayed away from the current YNAB. Also the price has kept me away. I am not a fan of the current software subscription world we now have.
I'm curious how work reimbursements that span two calendar months work. Say I charge $1000 on April 25th for work, but don't get reimbursed until May 15th (random, I know). Will that -1000 automatically be taken out of all my green bubbles on May 1st? And then how the heck do I know where it all came from so that I can put it all back when I'm paid? I often have to foot flights/hotel on my CC for work, so I want to prepare myself :)
Orchid Trumpet Still doesn't have the red arrow. I'm super stressed by this as the Mac version of YNAB4 won't work on the next version of the MacOS upgrade. What software are you using instead of YNAB? I asked YNAB support and they basically told me they don't care about me as a user because I rely on the red arrow. I am looking at Actual to see if it is a suitable replacement: https://actualbudget.com/differences/
Ok, don't everyone come down on me, but aren't there a couple of ways to sort of simulate the red arrow? I haven't done it in a while so maybe I'm not thinking straight, but can't you just use the Steal from the Future "feature" 🤣? If you got so much money you're buffered ahead, just rip yourself off and then fix the category the next month. There have been times I was firm in that I did NOT want to spend more than a certain amount on something per month, on average. If one month I went over for whatever reason, I would deduct that amount from the amount budgeted the next month, manually. I've even done this for 3 months straight, with the numbers getting smaller and smaller until I finally concede I better change the monthly spending goal.
It might be harder to track for accounting purposes, but at least it's still reflecting reality as far as how much money is truly in the budget. As a former YNAB3/4 user, I can attest to the fact that I've used the red arrow in both the right and wrong way, and more often in the wrong. I believe getting more honest about my overspending in nYNAB and taking care of it right away helped my finances considerably. I thought I was being accountable by reducing my amount to be budgeted the next month (I was anti-WAMing) until I basically had nothing left or a bunch of red arrows. I totally understand why YNAB discontinued it, even if reimbursable expenses still can pose a challenge.
And look, can't we agree that using a red arrow is basically funny money? If someone is so comfortable with budgeting funny money as an "off-label" use of YNAB, then just make an unlinked bank account and deposit the expected reimbursement in it. You just covered your expense with money that isn't really there just as the red arrow did. Disclaimer: Closed course. Do not attempt. :)
No, it's not there.
The part that frustrates me the most about this is that this isn't the only way to "lie" and "cheat" yourself about your budget. It's just the way that YNAB is hung up on as being the biggest deal. There are a number of other ways to obscure the reality of how much money you have and where it is going, but YNAB doesn't seem to have a problem with those.
I can just as easily overlook the fact that my credit card balance keeps going up when we roll to a new month because all of my over spending is just -poof- gone. VERY easy to ignore that considering the credit card balance is very tiny on the left hand side of the screen when you are on the budget page.
I can also pull money out of what has already gone into the credit card for payment and repay myself to "cover" other over spending, without a whole lot of consequences as well...
There's a million different ways to cheat, and why YNAB is stuck that this one is a big deal doesn't make sense to me when there are a number of others that I'm positive that users are doing, knowingly or unknowingly, and yet those variations don't seem to matter.
Our even simpler, record the expected reimbursed immediately in checking. Clear it when it clears.
Yes, it's Monopoly money. YNAB disagrees with that approach, but I think it's your call if you want to put it in your categories. I should qualify that with, "and you understand the ramifications." Many users don't (and didn't with past versions), which I feel is actually why we don't have the red arrow today.
I've only been using YNAB for a month, but I've been budgeting for years using Quicken. Some categories that I budget are so sporadic that I will let myself go over knowing I don't need to buy anything for several months, and the money I'm putting in the category will cover the over-charge next month. For example, I bought the ski gear in October because there was a used gear swap. Now I don't need to buy gear until April, so I want to use the money I put in the gear budget in November, to help pay for the October expenses. Is that so wrong?
Are you saying that just because I don't budget the way YNAB budgets, I can't use YNAB?
'cause, I was liking it a lot, and now I'm going for a refund!