Payment cover (mostly) from a tracking account - how to?



I am using YNAB for the the first month and still learning,

I have a use case that i don't know how to best reflect it in YNAB, and hopefully someone can share a simple solution for that:

1. I've created a credit card (by design of YNAB it is on the budget side)

2. Most of the payment that i am doing with this card are covered from a tracking account (and this is in a tracking account because i can ONLY cover this card and not other cards)

3. Their are times, that the funds in the tracking account are not enough so i use funds from my checking account for the entire budge.


What is the best way to reflect it in YNAB?

If i create a transaction on the card - i need to assign a category for it, and the category  need to have a budget, but the money should come from the tracking account. 

Any suggestions? 

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  • 1. This credit card should not be a part of the budget if you don't intend to make budgeted purchases with it.

    2. The occasional outflow from checking should be budgeted in a dedicated category you create, treating that like any other bill.

    I don't see the point of having the tracking account either, but your call.

  • Can you elaborate why this CC can only be backed by that account?

    Without knowing more, but accepting your constraint, I'd be tempted to make a separate budget for that "special" account and CC. Plan whatever purchases you intend to make with that money in that separate/dedicated budget.

    Strongly consider treating the payments from your main checking as reimbursements to be paid back from this special account when it gets more money.

  • Hello, Spring Green Clarinet !

    Would you mind elaborating on what's behind this arrangement? Even if that tracking account can only be used to pay that specific card, it would still probably work best to move the tracking account into your budget so you can budget for the expenses made on the card.

    Or, as dakinemaui suggested, it might make more sense to treat this card and account as a completely separate ecosystem. I've seen people do this for reimbursable business expenses, for example: use a separate credit card, checking account, and budget to track them.

  • dakinemaui , Matthew , thanks for both of you on your answers.

    I will create a specific category for it and will map the budget on it.

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