Credit Card Budget Does not appear to be updating correctly

Hi - I'm running into a strange problem where my credit card payment budget is not matching my working balance.

Over the past couple of months, I have found a couple of nuances in YNAB that made me realize I needed to watch a few things more closely to ensure everything reconciles.  So now, every week when I reconcile my balances, I always check to make sure that my account working balance = payment budget.

However, for the 2 cards I use the most - they get out of whack pretty quickly.  For example, a few weeks ago I noticed that my working balance was about $150 higher than what was budgeted, so I added in $150 to cover it.  Today, when going through to reconcile that account, I'm showing a balance that is $420 higher than the working balance...

I realize I am not supposed to be budgeting money in/out of these budgets, but I think there was an issue when I originally set up my budget that I didn't properly account for my balance.  However, now I can't seem to get this to stay reconciled...  

Any idea what's going on here?

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  • Almost certainly overspending. It'll be yellow and NOT included in the Overspending header line in next month's area. (That's only for red/cash overspending.) This is very common if you rely on Import for transaction entry; something will import dated for last month after you've already moved on to this months budget.

    The fact you made them agree once eliminates the other common cause of not budgeting for a starting balance. Less common things that leave the category short are outgoing transfers (e.g., to gift card accounts or immediate reimbursements) or reconciliation adjustments.

    Like 1
      • Frank K
      • Mrkoop
      • 9 mths ago
      • Reported - view

      dakinemaui That was my epiphany last month...   the fact that transactions can post for a prior month in the first couple days of a month.  However, I reconciled that issue in early Sept and have been very much paying attention to that during the Sept/Oct change.  That is where I appear to now have more money...

      So, in theory, I should be able to 1) Balance the account and 2) Ensure that all items posted balance correctly at the month change, and it should stay in balance, correct?

      If so I'll watch it again - but once it's balanced it should stay in balance - correct?

      Like
    • Frank K If things are balanced, they should stay that way as long as all future credit card payments are budgeted for (except for a few outliers). If you notice things still fall out of whack, we'd be more than happy to take a look for you! You'd just need to enable Support Access for your account and let us know whether you’d like to continue the discussion here or via email instead.

      Like
  • I have never liked how CC work in YNAB (Maybe I don't understand it).  I tend to just zero it out each month to make my life easier.

    I have had issues in the past where they would not sync properly and have had to go back and fix things from the previous month, though I think that is with syncing as sometimes it is a few days late.

    Like
      • dakinemaui
      • dakinemaui
      • 9 mths ago
      • Reported - view

      VoltaicShock If you feel your CC should have paid in full status, just ensure the Available in the Payment category covers the entire debt (account balance)

      Like
  • Frank K  - exactly what dakinemaui says, check previous months and I have also seen this with hidden categories.  Sometimes a transaction will import to a category that I no longer use or have consolidated categories to a single, easier to manage set.  Since you have not budgeted to a hidden category, this could cause your issue...

    Like 1
  • Frank K said:
    once it's balanced it should stay in balance - correct?

    In general, no.  There are a number of things outside of overspending that will throw off the category/account agreement. For example, purchase rewards redeemed as a statement credit.

    The only way to absolutely force agreement is to drop the stock CC handling and represent your CC with a checking account. (Make a "payment" from a new account to switch.) This simplifies things for a paid-in-full (PIF) CC, since the full account balance is ALWAYS implicitly reserved. No Payment category is used, as it would be redundant.

    The only potential issue is you cannot float anything with this representation (which is exactly the point, right?). Reimbursements, for instance, should use a method appropriate for cash transactions (pre-funding the category). If you do need to finance something, just make a simple balance transfer back to a real credit-based account, and then balance transfer to the checking representation when PIF status is restored.

    Like
      • nolesrule
      • Stealing From the Future fix is an improvement but is incomplete....
      • nolesrule
      • 9 mths ago
      • Reported - view

      dakinemaui One thing I've come to realize over the past 4 years is that if you have to ask why the payment category isn't in sync, you probably shouldn't use the CC as checking account method.

      Like
      • dakinemaui
      • dakinemaui
      • 9 mths ago
      • Reported - view

      nolesrule I'm on the fence about that. As long as people fully understand what PIF status really is (and have achieved it in their budget), I don't see the need to bother understanding the more unintuitive aspects. After all, every single one of the YNAB4 PIF users didn't need to understand them. The "spending is spending" mentality afforded by sweeping the temporary debt under the rug is rather compelling.

      Like
      • dakinemaui
      • dakinemaui
      • 9 mths ago
      • Reported - view

      Frank K  

      For your reference, here are the reasons I've found that a paid-in-full credit card account & payment category balances diverge when using the stock CC handling:

      • starting balance on a paid-in-full card - category is lower
      • overspending - category is lower
      • uncategorized transactions - category is lower
      • outgoing transfers to other on-budget accounts (e.g., gift card account, immediate reimbursements) - category is lower
      • purchase/cash-back rewards (should be categorized to TBB) - category is higher
      • categorizing item returns as TBB (should use the original spending category instead) - category is higher
      • reconciliation adjustment - category is lower for an outflow adjustment, higher for an inflow adjustment
      • taking the account balance positive - category should be $0 in this case
      • erroneous budget entry - accidents or misunderstandings occasionally happen.

      To correct the problem, budget whatever is needed to make them agree. Some of them can also be fixed other ways (e.g., overspending).

      Like
      • nolesrule
      • Stealing From the Future fix is an improvement but is incomplete....
      • nolesrule
      • 9 mths ago
      • 1
      • Reported - view

      dakinemaui Don't forget about overspending a category with purchases on 2 different credit cards followed by a return. YNAB doesn't always return the no longer overspent amount to the right card. 🙂

      Like 1
      • nolesrule
      • Stealing From the Future fix is an improvement but is incomplete....
      • nolesrule
      • 9 mths ago
      • Reported - view

      dakinemaui Actually, I think YNAB4 did have a PIF problem due to the red arrow. I don't think we realized it at the time.

      Like
      • dakinemaui
      • dakinemaui
      • 9 mths ago
      • Reported - view

      nolesrule PIF status, by definition, had the Pre-YNAB Debt category balance at $0. If a user had other categories they had red-arrowed, I wouldn't consider that a CC issue.

      Like
      • nolesrule
      • Stealing From the Future fix is an improvement but is incomplete....
      • nolesrule
      • 9 mths ago
      • Reported - view

      dakinemaui I was not implying they are the same, just that the misunderstandings are there in either case.

      It's not a CC issue, but rather a lack of understanding of the PIF concept as applied within YNAB which is defined as having the cash reserved to pay the full balance of the card.  In other words, you think you are PIF, but really you aren't because you don't have enough cash reserved for PIF status while being able to back all the remaining categories.

      On the bright side, in the current version all overspending gets pulled from TBB in the next month, but even that has an effect on PIF when people come up short. That's why we have Rule 3. And you need to have Rule 3 covered properly ( and by properly I mean not leaving categories red to come out of TBB next month) in order to switch to CC as checking.

      Like
      • dakinemaui
      • dakinemaui
      • 9 mths ago
      • 1
      • Reported - view

      nolesrule Yep, and the good news is OP realizes at this point that Import can do a sneak attack in last month's area. (In fairness, it's not limited to just Import, as a reconciliation can do it as well.) OP, conveniently, there's a warning in the current month of past overspending when using the CC-as-checking approach.

      Like 1
  • Hi! I found this post because I was baffled on this same topic. My TBB should match my balances. I put in a manual split entry with 4 splits, and it was complaining I didn't have enough funds. What I think (now) it was telling me was that since "Groceries" was overspend, it wasn't going to move the money to TBB to cover the transaction. But where I thought it was odd was that it was off by an odd amount that had no bearing on what I was entering, AND my CCP CC Balance was higher than the actual balance (back to the original point of this post)

    What I ended up doing was moving the surplus funds around, removing the transaction to force the balances to agree, and having enough funds in Groceries to cover. Then, when I entered the transaction, it stayed in balance.

    So where I'm struggling to understand....
    1) Transaction gets entered to Overspend Groceries by $50
    2) It throws my Credit Card Payments (CCP) section in Yellow
    3) I can move money around to cover, but should it not *always* balance to this formula, or am I missing something? 
     - Sum of CCP + Sum of Bank Account = Total of all Budgeted Envelopes

    I'm becoming less convinced that I'm actually in balance, and should probably run the numbers through Excel. If the CCP and Budget Sections get out of balance, how do you find the error...?

    Thanks!
    Stephen 

    Like
      • dakinemaui
      • dakinemaui
      • 8 mths ago
      • Reported - view

      Stephen Kirven Fundamentally, the budget is the plan for your cash. As such, debt is ignored (negative credit accounts and yellow overspending). It's easiest to understand if you look in the future-most budget area where these are equal:

      * Accounts: Sum of cash + positive credit

      * Budget: TBB+Total Available

      A common mistake is to try to use the Budget Account Total for the account side. I realize you tried to adjust for that, but you used the CC Payment balance rather than the CC account balance.

      Like
  • Stephen Kirven said:
    it wasn't going to move the money to TBB to cover the transaction

     TBB = To Be Budgeted, which is the number at the top of your budget screen showing you how much money still needs to be put in categories.  Most of the time, it should stay at $0.  When you get income, you need to put it in categories until it reaches $0.

    It has little to do with the Credit Card handling.

    Like 1
  • Stephen Kirven said:
    I'm becoming less convinced that I'm actually in balance

    It's impossible to be out of balance, as it's literally the fundamental computation in YNAB. That said, negative money is a bit useless, so ensure there is no red anywhere so the numbers are meaningful in the real world.

    Paid-in-full status on the CC requires that the Payment category exactly cover the debt (negative account balance).

    Like 1
  • Stephen Kirven said:
    If the CCP and Budget Sections get out of balance, how do you find the error...?

    It's either a yellow category (so move funds there to cover) or something else (so move funds directly to the Payment category). The full list of "something else" is above-thread.

    Like
  • Stephen Kirven said:
    since "Groceries" was overspend, it wasn't going to move the money to TBB to cover the transaction

    It never moves money to TBB for a spending transaction. It will, however, move to the CC Payment category IF funds are Available in the spending category.

    Like
  •    dakinemaui  Yea, I did an export just now to cross check, and then I realized my "over" was my actual TBB balance. :) And I had to pull the "Budget for future" number into the mix too....

    So maybe it's sort of a two-pronged thing. The money being short in the CCP section just says "Hey dummy, feed me" by turning it yellow. And the Budget goes Yellow also with a "feed me" too.. But the available funds up to 0.00 get moved to the CCP folder...

    I think I get it.
    Thanks!
    Ste[jem

    Like 1
  • After getting into some pretty serious budgeting trouble at the end of last year, I “made a fresh start” this year and have been keeping a careful eye on ynab.  It looks as though my credit card balance is not registering on my budget page, even though it is a budgeted account.  Therefore my actual funds available is much lower than what shows on my budget.  I just reclassified my credit card to a checking account, and the balance owed shows red on my budget.  I hate that, but the balances finally match!!  This is a recent phenomenon for me, it has never been an issue in the past.  It seems to be happening to quite a few people and it frustrates me that ynab support seems to classify it as user error and not a possible bug in the app update which will cause major issues with the main reason why people are using the app.

    Like
      • Frank K
      • Mrkoop
      • 6 mths ago
      • 1
      • Reported - view

      Orange Cyborg If you are having the same problems I was having, it really took a while for me to clean this up, once I fully understood the situation.  Again, if this is the same problem I was having (I am not sure from the description), it's not a bug but how the accounting works.  There is a fundamental principal with YNAB that a negative balance does not carry over from month to month (though a positive balance does).  This is compounded that YNAB uses the transaction date, not the date they it is imported, in the budget.  Here is what I had to do to clean this up:

      1.  I went back to the beginning of my transaction history (almost 2 years) and found many months of negative balances (often because a transaction was pulled into YNAB for 30th of the prior months on the 3rd or 4th of the following month).  Note:  Let's say this is Feb and the transaction is for $10 and you bought in on Jan 31st.  If you only had $5 in the budget, but expected Feb to cover the additional $5 - it won't. You will end up with a -$5 balance for Jan and nothing comes out of Feb.  This is not a "bug" but is occurring by design.  I had to go through every month and budget money for all those months.  

      2)  I had several items flagged as returns (things that we planned to return toba store but had not) that I had to reconcile.  Once I cleaned that up I found several thousand dollars of discrepancies - which I had to handle.  

      3)  Now that that had been cleaned up, I have to watch the prior month budget for about 1-2 weeks into the next month to watch for the issue identified above (#1).

       

      Since then things have been quite clean.  Now everyweek when I reconcile my transactions I watch out for returns and issues at the month turnover, and also check the money available for credit cards = balance (I do not carry CC debt)

       

      The explanations above from the experts are correct - but I didn't fully understand them when I first read them.   I had to work through it for them to make complete sense of them. 

      Hopefully, this helped.

      Like 1
      • dakinemaui
      • dakinemaui
      • 6 mths ago
      • Reported - view
      Orange Cyborg said:
      my credit card balance is not registering on my budget page

      I may be misunderstanding, but this part may be user error. The CC budget category is not the same thing as the CC account balance. Nor is it your available credit. Rather, it is the amount of cash on hand that you have reserved to pay the CC. It is true that a paid-in-full card requires those to agree, but it's on you to make that the case as part of your planning (budgeting).

       

      Orange Cyborg said:
      I just reclassified my credit card to a checking account, and the balance owed shows red on my budget

      Any red in the budget (categories or TBB) is a bad thing. Rule 3 is to eliminate that ASAP. Where does it show? I can't imagine what would possibly agree with the CC account balance when represented with a checking account.

       

      Orange Cyborg said:
      I hate that, but the balances finally match

      What balances are you expecting to match? There is no CC Payment category when you use a checking account representation.

      Like
  • I'm super frustrated, too.  I have been doing YNAB for (11? 12? years?) I should be better than this! But the cc feature is ever elusive for me, I guess, ever since I went to the online version.

    I did a fresh start 1/1/21. All my categories that have transactions in the cc are in the green.  But it's telling me I don't have enough to cover it.

    I don't know what to do.  I had this before, and would just put money in the budgeted category for the cc, but after a while the numbers get out of whack again (even within the same month!)

    I don't understand what is happening.

    Like
      • Vibrant
      • No more counting dollars, we'll be counting stars
      • vibrant
      • 6 mths ago
      • Reported - view

      cpshaye when you did your fresh start, did you budget directly to the CC category for the starting balance on the card?

      Like
      • cpshaye
      • Steel_Blue_Hammerhead.9
      • 6 mths ago
      • Reported - view

      Vibrant  I suspect this may have had an impact, but the numbers still don't add up.

      There was -$707.70 that hadn't cleared from my cc by the end of the year. My "starting balance" was +$577.01 (I had made a pmt at the end of December knowing about 2 of the transactions coming.)  The amount that the budget says I don't have covered is -$261.21.

      If I can figure out a way to "fix" this, I don't have a problem with doing a fresh start in Feb. This is driving me nuts! I have money in TBB to cover it, but this isn't going to fix my fundamental problem.

      Like
    • cpshaye 

      This is how you fix it, no fresh start for February needed.

      1. Reconcile your credit card account (and all your other accounts, why not?). Ensure pending transactions are listed, not on a future date, and not cleared. 

      2. Manipulate the budget cell (1st column) of your CC payment category (in the budget) so that the positive, available (3rd column) is equal (but opposite) to the negative account balance (working balance, including pending transactions) of the card (shown in the list of accounts on the left).  

      Too many parentheses? Make your CC Payment Category equal the current balance on the card, but positive.

      3. Adjust the rest of your budget so that TBB is 0 (in all future months, too) and your other categories are adequately funded. 

      If you can't do #3, you'll need to move money from the CC payment category to support other spending categories, but this means that you are carrying debt. You'll want to budget more over time until the payment category can cover the whole balance of the card. Then you'll have Paid In Full status again. 

      Does that help?

      Like 1
    • cpshaye Also, when reconciling, if there's an adjustment that needs to be made, I'd alter the starting balance such that things line up now. I wouldn't do the auto-adjustment. That's just my preference.

      Like 1
      • dakinemaui
      • dakinemaui
      • 6 mths ago
      • 1
      • Reported - view
      Move Light Sound Life said:
      If you can't do #3, you'll need to move money from the CC payment category to support other spending categories, but this means that you are carrying debt.

      Just FYI, you may not incur interest for this if the shortage is less than what you normally make in budgeted purchases on the card each month. That's called riding the CC float, and it's a natural phase between interest-bearing debt and paid-in-full status.

      Like 1
      • dakinemaui
      • dakinemaui
      • 6 mths ago
      • 2
      • Reported - view

      Move Light Sound Life I would suggest to delete the starting transaction (remember the date), reconcile with the auto-adjustment transaction, and then edit the adjustment, back-dating it to the starting date and making the Payee "Starting Balance". Might as well make YNAB do the math. 😉

      Like 2
      • Superbone
      • YNAB convert since 2008
      • Superbone
      • 6 mths ago
      • Reported - view

      cpshaye You have the option of making CCs work the same as they did in previous YNABs by making your CCs checking accounts instead. Let me know if you’re interested and I can give you the instructions on how to convert them. I feel your pain.

      Like
    • Superbone I'm not sure why, but I think the way nYNAB handles credit cards is perhaps my favorite feature. Maybe it's that little dopamine hit I get when seeing my payment category always equal my card balance 😍

      Like
      • Superbone
      • YNAB convert since 2008
      • Superbone
      • 6 mths ago
      • 1
      • Reported - view

      Periwinkle Flute If it makes you happy, then that’s great. I have no need for it. It is an extra mechanism that does absolutely nothing for me. I get my dopamine hit by knowing that every CC purchase I make is backed by cash and that I will never, ever go into non-mortgage debt again. However, my my biggest YNAB dopamine hit is watching my net worth grow year after year.

      Like 1
      • cpshaye
      • Steel_Blue_Hammerhead.9
      • 6 mths ago
      • Reported - view

      Move Light Sound Life 

      When I was doing your step 2, I have a clarification question.  Currently there is only 1 "pending" item on my cc for $18. Also, my deficit on the cc that says I overspent $112.52.  So...do I put budget cell $112.52 or $120.52?

      OK, I *think* I did this.  But I *thought* I've done this before and it gets out of whack again.

      I reconcile my accounts about every 5 days, and send a payment into the CC about every 2 weeks paying things off.

      Step 3 - I'll finish budgeting to 0 as soon as I figure out this mess!  UGH! I want to move the "extra" to savings, but don't like sending it to that account (at the bank, not just YNAB) and then find out I need to bring some back again.

      Thanks for helping!

      Like
  • cpshaye said:
    I have money in TBB to cover it

     When you're done fixing the CC situation, do yourself a favor and budget the rest of your TBB. 🙂

    Like 2
      • cpshaye
      • Steel_Blue_Hammerhead.9
      • 6 mths ago
      • Reported - view

      Move Light Sound Life I usually do, but was holding back until I could figure out the cc imbalance problem.

      Like
  • cpshaye said:
    Currently there is only 1 "pending" item on my cc for $18. Also, my deficit on the cc that says I overspent $112.52.  So...do I put budget cell $112.52 or $120.52?

     These are two separate things. 

    What is your account balance currently, including pending transactions?

    If you just reconciled, that exact working balance should be displaying on the account sidebar on the left.

    Like
      • cpshaye
      • Steel_Blue_Hammerhead.9
      • 6 mths ago
      • Reported - view

      Move Light Sound Life On my cc account it shows I have a 0 balance, but I have a pending $18 charge that is NOT accounted for in that account balance.  So, I am reconciled in YNAB to the 0 balance, and it shows that one transaction as not cleared.

      Like
    • cpshaye You need to add the transaction with the $18 charge so that, in YNAB, your cleared balance is $0 and your working balance is -$18.

      Those numbers and identifiers are at the top of your account register screen. 

      Then, when you view the budget screen, you'll see the working balance of -$18 in the account list on the left panel.

      Like
    • cpshaye After you do that, tell me what you see on the budget screen and I'll get you fixed up. 

      Then I'll ask you an important question that will help prevent this trouble going forward. 😉

      Like
      • cpshaye
      • Steel_Blue_Hammerhead.9
      • 6 mths ago
      • Reported - view

      Move Light Sound Life OK...

      What number do I put in the "budgeted" column for my chase card?

      And as as Ceeses mentioned, I do have the habit of  paying what I know I owe before transactions post to my CC account, I'll stop doing that.

      Like
    • cpshaye Sorry, 

      112.52 + 18.17 = 130.69

      130.69 goes in the budgeted column. 🙂

      That should make your CC available amount be  18.17, which is the positive equivalent of your negative CC balance. 

      Like 1
      • cpshaye
      • Steel_Blue_Hammerhead.9
      • 6 mths ago
      • Reported - view

      Move Light Sound Life OK... now what is the important question that will help prevent from happening again?

      Like
  • cpshaye said:
    My "starting balance" was +$577.01 (I had made a pmt at the end of December knowing about 2 of the transactions coming.)

     If I understand this statement correctly, you seem to be in the habit of pre-paying your CC. That is to send more money to the CC that is currently owed knowing some future transactions are coming. This will wreck your CC payment category in YNAB if you are not careful. When your CC account has a positive balance, YOU need to manually adjust the budget. Your CC payment category will go negative (you sent more than was currently reserved) and your TBB will go positive. YOU need to budget the new money in TBB to the CC payment category. 

    Alternatively, don't send the CC company more than what they ask for and earn interests for yourself on the money you hence keep for longer. And reduce the amount of work you have to do on the budget.

    Like 3
  • cpshaye said:
    I do have the habit of  paying what I know I owe before transactions post to my CC account, I'll stop doing that.

     Yes, that was my first question once you're squared away. 

    I used to do the same thing as you until someone on here asked me why I was doing it. So, why are you paying your credit card bill early?

    To avoid interest charges, all you need to do is pay the statement balance on the due date, which usually comes 3 weeks after the statement closes. 

    Doing this helps prevent your CC from ever becoming positive in YNAB, which helps avoid much of your issue (the full list of diverging CC catalysts is somewhere above in this thread).

    Since you're using YNAB, you know you can pay it off at any time (category balance always equals account balance, but positive). You can hold onto that money and earn a bit of interest on it yourself. 

    This brings me to the other point you brought up...

    Like 1
      • cpshaye
      • Steel_Blue_Hammerhead.9
      • 6 mths ago
      • 1
      • Reported - view

      Move Light Sound Life Why do I pay the cc ahead?

      Mostly habit. I hate seeing my cc balance be so high. We pay every bill we can with this card, and all of our purchases.

      Some of it (recently) is we are nearing the end of a refinance of our home and the bank checks our debt at intervals.  I pay it more often to keep that number down.

      Question- Frank K brought up "Let's say this is Feb and the transaction is for $10 and you bought in on Jan 31st.  If you only had $5 in the budget, but expected Feb to cover the additional $5 - it won't. You will end up with a -$5 balance for Jan and nothing comes out of Feb. "  How do you avoid this situation?  I think this may have been some of my problem in the past.

      Thanks!  You have been very helpful (and patient). Time will tell if it stays correct this time.

      Like 1
  • cpshaye said:
    I want to move the "extra" to savings, but don't like sending it to that account (at the bank, not just YNAB) and then find out I need to bring some back again.

     Many people find great success by not trying to sync categories to accounts. Turn on the running balance in your registers (checking, especially), use scheduled transactions for anything you can, and look at your cash-flow to decide how much to put in savings. 

    The fact is that since you're using YNAB, you're probably going to have money in your categories that you're not going to spend immediately. 

    Some people decide that a cushion of one month's expenses should sit in checking and the rest goes to saving to earn more interest. Some people look for the low point to be a certain dollar amount. 

    Happy Dance posted a formula on here.

    There's an article to read about this on the blog. 

    I can come back with those links, but my video finished loading and I need to finish my work for a while! Maybe someone else will post them before I come back. 

    Sorry, and good luck!

    Like
  • cpshaye said:
    If you only had $5 in the budget

    Then identify something less important from which to take $5. If you can't find something like that, then don't buy the thing. It really is that simple.

    Note: if you feel maintaining your CC debt is less important than that thing, then take the $5 from the CC Payment category. Sometimes it comes to that.

    Like 1
      • cpshaye
      • Steel_Blue_Hammerhead.9
      • 6 mths ago
      • Reported - view

      dakinemaui OK, so bottom line is, even in my CC category I canNOT leave a month in the negative.

      If I do, what happens to it?

      Like
    • cpshaye If your CC payment category is negative, that means you sent more money to the CC than you have, or your other category available amounts are lying to you.

      Any cash overspending will be taken out of TBB the following month. 

      If you buy a trampoline on credit without enough money in your trampoline category, YNAB will add the unbudgeted amount to your CC debt. No change to a future TBB, as the money didn't leave your checking.

      When you wish to pay it off in a subsequent month, then you'll budget directly to the CC payment category to pay down the now old debt.

      Like 1
      • dakinemaui
      • dakinemaui
      • 6 mths ago
      • 1
      • Reported - view

      cpshaye if your CC payment category (or any other for that matter) goes negative, the red is the indication some of the money you sent is STILL EARMARKED FOR OTHER PURPOSES in other categories. Covering the red is basically replanning to reflect the missing money.

      Like 1
  • One other question - Remember, I started this fresh start with a positive balance on this cc.

    I found this on another thread with the answer about a similar problem,  YNAB Lover said one of the common problems is 

    1. "You had a positive balance on your card, which ended up in To be Budgeted and got budgeted somewhere other than the Credit Card Payment category. You can verify this by turning on Running Balance in your credit card account register and looking for a positive balance."

    Did it take my positive balance and put it in my TBB?!?!?!?!?!

    Like
    • cpshaye Yes. 

      Not only that, but you then paid the card with (from YNAB's view) insufficient funds in the CC category, which caused overspending. 

      See my previous fun with that here. 

      https://support.youneedabudget.com/t/m2s6zw/funny-fifteen-cents

      Like
      • dakinemaui
      • dakinemaui
      • 6 mths ago
      • Reported - view

      cpshaye yes, a positive CC is effectively cash. (It's not like you need to pay it back!)

      Budget it wherever you want. Do note you should always cover red categories first (again, it's missing money). A positive CC does not always mean the payment category is negative/red.

      The CC Payment category should be $0 while the account is positive.

      Like
  • Anyone know what number it’s supposed to agree with? Cleared? Cleared plus scheduled? Cleared plus scheduled plus pending? 

    Like
      • satcook
      • satcook
      • 7 hrs ago
      • 1
      • Reported - view

      Ivory Lion It should match cleared plus pending, or just look at the working balance in YNAB and that is what it should match

      Like 1
      • Ceeses
      • Ceeses
      • 4 hrs ago
      • Reported - view

      Ivory Lion On the desktop: the working balance is the balance that is showing on the left panel in the account list. So don't need to flip through screens to check.

      On mobile you would need to go to different screens to check for the agreement between the category and account.

      Like
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