“Inflow: To Be Budgeted” trans’n doesn’t increase “To Be Budgeted” amount

When I add a transaction with category “To Be Budgeted”, the amount available “To Be Budgeted” doesn’t change.  How can I fix this?

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  • Do you have anything budgeted in March or a future month? If so, that's where the increased TBB is happening most likely.

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  • I think I see what’s going on: I’m adding this transaction to a credit card account.  If I add it to Cash, Checking, or Savings, the To Be Budgeted line DOES change. (edited to remove extraneous “not”!)

    So how should I categorize Rewards “Cash” Back on my credit card?  I’ve been recording them as credits in my “Interest and Fees” category.  It was only today that I started to wonder if I should record them as Inflow: TBB instead.

    In real life, they show up as credits on my CC statement.

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      • nolesrule
      • YNAB4 Evangelist
      • nolesrule
      • 7 mths ago
      • Reported - view

      Beige Boat Cashback should be categorized to TBB. However, it doesn't effect TBB. It just reduces the debt on your card. If the CC payment category now has too much money in it to pay the card balance, you can move it from there to another category.

      The reason for this is because your budget is a plan for your cash. But a cashback reward statement credit isn't cash.... it's just a reduction in how much you owe on your card. The CC payment category is your cash plan for paying back the credit card.

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    • Beige Boat When I use rewards on my credit card, I reset my available balance on my credit card to 0 which moves the amount to TBB and then I put the total amount balance back to the credit card payment so they match. That will leave the excess in TBB for me to move elsewhere. Sometimes I redeem rewards multiple times in a month so I find this is easier for me to keep track and not have to do too much math. lol

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      • Beige Boat
      • Beige_Boat.5
      • 7 mths ago
      • Reported - view

      PeculiarBella I think I don’t understand credit cards very well.  I thought I did, but what do you mean by “reset my available balance on the credit card to 0”?  Do you mean you set the budget to 0?  Or something else?

      And then how do you “put the total amount balance back to the credit card payment”?  Do you also do that by changing the budget?

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      • Beige Boat
      • Beige_Boat.5
      • 7 mths ago
      • Reported - view

      nolesrule Thanks, I sort of understand.  At least, I understand enough that I’ve now set all my credit card cash back entries with “To Be Budgeted” as the category.

      I’ve been catching up entries for my budget and now I realize that I don’t understand what the entries on the credit card line mean in the “credit card payments” section of my budget.  I’ll go read up more in the Help section about that.

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    • Beige Boat   

      I  use the desktop app. In the right-hand column when you click on the category it comes up and there's an option to reset available amount to 0. This is different than the budgeted amount because the money has been budgeted in other categories and moved to this section as part of the payment. 

       After I reset it, I look at my credit card and check how much the balance is today in my CC account on YNAB, pending transactions and all, and then move that amount to my credit card. I had this the other day when I redeemed travel rewards twice. You can also just move the travel reward amount from your CC payment to TBB, but I find that I have messed up doing it that way before and this method ensures that I have the full payoff amount I need. 

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      • Beige Boat
      • Beige_Boat.5
      • 7 mths ago
      • Reported - view

      PeculiarBella Thanks!

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      • dakinemaui
      • dakinemaui
      • 7 mths ago
      • 1
      • Reported - view

      Beige Boat The idea is to move the amount of the reward from the CC Payment category to TBB. Consider that you have an account balance of -$2000 and a CC Payment Available of $2000, and then get a $100 purchase reward credit. This takes the account balance to -$1900 but leaves the CC Payment at $2000 (more than needed). You can either:

      • Subtract $100 from the budget value with the built-in calculator (or budget -100 if the budget value is empty/zero). Literally, click in the budget cell, then type "-100" and hit Enter.
      • Empty the entire category (Quick-Budget "Set Available Amounts to $0.00") then add back enough for the new account balance with the built-in calculator. Literally, click in the budget cell, then type "+1900" and hit Enter.

      Either way, you wind up with $1900 in the category, matching the account @balance and the remainder/credit amount ($100) in TBB. I believe PeculiarBella  prefers something along the lines of the second approach.

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