Negative amount in "Budgeted This month" ???
Trying to maximize use of left over money to pay down Credit cards. As I move down my budget for the new month. It shows money left over in the Available column. I move the left over money to the credit card of choice for use as payment. Now the line item that I moved money from shows the former available amount that I moved as negative in the budgeted column.
Example: I had $10.42 since left over for January (available) after my life insurance payments for December cleared my bank account. I moved the $10.42 to Discover. Now, on the Life Insurance line, the available amount display $0.00 and the Budgeted displays -$10.42.
I see a reset budgeted amount amount. If I click it, it clears the budgeted amount to zero, but now available show that positive amount.
I'm not exactly sure what this all means? Can someone please explain?
I don't understand why moving available money doesn't just zero the the available on the "from" line and add to available on the "move to" line. ???
The budgeted column shows the cumulative total of money budgeted to or removed (not spent) from the category in the current month. It will start at zero each month until you add or remove money regardless of the category balance.
The activity column shows the cumulative transaction total in the current month.
The Available column = Last month's remaining Available +/- This month Budgeted +/- This month Activity
The negative in the budgeted column isn't a "bad" thing. That simply shows that you have removed 10.42 so you can use it elsewhere. You want that number as a reminder that you adjusted your budgeted amount -- you don't want the system to move money without any way to show how that money was moved.
I usually do an end-of-the-month sweep of all my categories and adjust my budget numbers if I budgeted more than I needed to in certain categories. If the negative budgeted in January bothers you, perhaps consider switching back to December's budget and adjusting your budgeted numbers there instead?
Appreciate the response Nolesrule, but that wasn't what I was really trying to understand.
Ben, thank you, that's closer, but I'm thinking maybe this is an API issue now.
The negative number in Budgeted messes with my monthly goal. Now it is forcing me to budget MORE than my goal amount. As if the money I moved is causing a negative impact on my checking. My monthly goal is $146, but YNAB is now telling me I need to budget 156.42 more to meet my goal, when the 10.42 was inconsequential (extra money) to the category to begin with. Moving available money (extra) from one category to another should have no impact on monthly goal amount (budgeted). I should only have to budget the goal amount or less, if I have all ready partially budgeted for a category.
I don't get YNABs math in this instance.
I tried adjusted the numbers by moving back to December first. It still had the same effect on January.