Credit Card Payment
I feel like I should be able to figure this out, because I have been using YNAB for many years, but I am stumped. We have multiple credit cards on budget. We only charge items that are budgeted for and we pay the balance in full every month. Ever since switching to the "new" YNAB a little over a year ago, I occasionally have a discrepancy in the amount available for payment and I really do NOT understand why.
The payment amount was correct for February, I have NO overspending in any category in March, and no money is budgeted to a future month. I only have a few transactions on this credit card, so I thought it would be easy to figure out. YNAB shows that my payment available is $46.85 short. I do not have a transaction for $46.85 in any of my accounts.
I could easily move money from another category to cover this, but I really want to understand WHY this happened so that I can prevent it from happening again.
Screenshot shows the sidebar when the CC payment category is selected.
I found it! It was operator error. :-)
The error actually occurred in January. It was tricky because there was a transaction (in subscriptions) that was only partially funded, so the amount that was overspent was not the same as the amount of the transaction. I guess I missed the red in the category and because when I move to February it does not show that there was any overspending (because it moved it to credit card debt) I did not catch it.
I wish that when there is any overspending in the current month it would show up at the top of the budget - or at least when you roll over to the next month, I wish it would make it more obvious that you have added to credit card debt.