Am I missing something by not using "Inflow: To Be Budgeted"?

I have been using YNAB for over 5 years.  I love it. It works great for me.

I do not use the Inflow: To Be Budgeted category.  All my monthly income goes to a category I call "Buffer". The next month I allocate all the last month's money among my categories. This is how I make sure I am spending last month's money this month. (I am actually spending older money as my age of money is 146 days).

Am I missing some feature by doing it this way?  Is there a strong reason to change?

6replies Oldest first
  • Oldest first
  • Newest first
  • Active threads
  • Popular
  • It just means your inflows will be zero but your budgeted amount is fine. You are basically doing the same thing YNAB is doing for you, 

    I'm sure your net worth is probably wonky but if it's working for you maybe don't fix it? 

    • I would also think your age of money will be off because I think the formula includes your to be budgeted money, which will be zero. It's looking to see how much money you used from your inflows. 


      Of course if you are well over a month ahead it may not matter. Some people say age of money does not really matter and it's not a good metric at some point. 

    • Slate Blue Pilot (2903ac015cdb) Age of Money is based only on the magnitude of your transactions and the type of account they're in. The categories don't matter! I still think using Inflow: To be Budgeted is a good idea, of course, but it won't affect Age of Money.

  • Yes. You are missing income flowing into your budget so all your reports will be off and you are also missing the ability to use the quick budget tools to budget your month with click of a button, Underfunded. Another nice quick budget button is Budgeted Last Month.

    The good news it’s easy to fix. All my income also flows into a category and then is categorized in the next month. The only difference is that it is released to To be Budgeted before budgeting. You can do this easily by selecting the All Accounts view and then filter by your Buffer and bulk re-categorize as TBB.

    Like 2
    • Superbone I am actually able to use the quick budget tools.  But, I do like the idea of releasing the money to TBB before budgeting. This will be a simple change that will also allow me access to the reports.

      Like 2
  • Turquoise Horse Forget my comments, based on my post I think it's ok to use the buffer, it probably is very helpful. Whatever floats your boat.

Like1 Follow
  • 3 mths agoLast active
  • 6Replies
  • 346Views
  • 4 Following