My To be Budgeted field is not going negative when I overbudget
It is my understanding that once "To be Budgeted" amount reaches zero, anything budgeted past zero should turn the "To be Budgeted" amount to a negative number, and the field should turn red. However, when I am budgeting, YNAB allows me to continue budgeting in excess the To be Budgeted amount, but does not go negative, and does not turn red. It just stays 0.00 and stays green.
I am new to YNAB, so I don't know if I am misunderstanding something, or if this is a bug with the app. I am using the desktop version of YNAB on Chrome.
One workaround is to leave $1 in TBB, as a guard against the possibility of SFTF. This indicates the future TBB is also positive, assuming no cash/red overspending.
Others simply check the future TBB often or use the Move Money dialog to ensure offsetting adjustments within the same month.
Once you know about it, it's fairly easy to deal with. Sadly, it has been confusing new users since launch, some of whom have had nasty shocks to see a large deficit after it was too late to easily correct.
When you budget in a future month, then continue budgeting in the current month (budgeting more than you have), that overbudgeted amount causes To be Budgeted in the future to become negative.
You're using more money in July, so you have less for August and need to make adjustments until it's $0.00 again. I know it can be confusing, and it's something our team is looking to improve and make more visible!
It's only been 5 years, Nicole. I know it's not your fault so don't take this personally but it kind of makes me angry. If you take away the multi-month view, then it is imperative that there is a warning at the very least.