Schedule Transaction Confusion & Duplicates
I'm a little confused about how scheduled transactions actually function when the due date arrives. It seems that sometimes a scheduled transaction isn't matched up with the actual transaction that occurs so I end up with a duplicate, one of which I have to delete.
For example, let's say my HOA payment is due on September 1: YNAB asks me to approve the scheduled transaction, and then the auto-imported transaction shows up as well and YNAB thinks I've paid it twice. Also, I am asked to approved scheduled transactions that occur on my credit card before the actual charge posts to my account, and when it does, I end up with a double charge.
This seems to happen even when I have a re-naming rule in place for payees to cover any discrepancy in the actual name of the posted charge vs. the name I used when I created the scheduled transaction. I think I am probably just failing to understand something about how this works and I am not sure this phenomenon has happened with all scheduled transactions.
Thanks for your input!
When the auto-imported transaction comes in, if it doesn't match automatically, you can always do so manually. On the website, select both transactions and hit Edit | Match. Approving a scheduled transaction doesn't clear it, so you can always check for recent uncleared transactions to match with. I don't know why this is happening often with your scheduled transactions; the only thing I can think to ask is whether the scheduled date is more than a few days from the actual date, because YNAB won't match automatically in that case.