Over/under spending month-to-month
I've read these two articles, but am not sure if this is possible. If I budget $50 for a category and overspend by $50, can I have that balance then carry over for that category for next month so my Available balance is then -$50. Then, if I don't spend at all, that category then balances again?
Negative available amounts do not roll over from month to month. If all spending in the negative category occurred from a cash-based account, YNAB will take the overage from next month’s TBB. If any transaction in the category (even if that wasn’t the transaction that caused the overage), YNAB will convert it to credit card debt in the next month.