I was almost out of that cycle and then got hit with the car repair last month (on a short month to boot, plus I knew I'd be missing a day of work). Reimbursements are usually cited as "legitimate" situations, but there are several easy ways to do that without negative categories. It made the reimbursables and problems easy to track. dakinemaui I agree, but SFTF may be hiding that a bit based on some of the things the OP has said. It's far better to see your budgets be reduced by the previous months over draw, as that is what has actually happened. We both know they aren't going to change anytime soon, so it's either adapt on our part or use a competitor. There are far easier ways to float beyond the month boundary -- your primary motivation, after all. On the other hand, using it so you spend less in a future month is just not being honest. I don't agree with the fact that if you over spend on a credit card, the negative category balance just disappears, and so your credit card amount just goes up. I would rather see it roll forward in some instances, so I would rather be able to switch this feature on and off. Ultimately, though, the why is quite immaterial. You can make it carry over by right clicking the little red negative category balance. 3. What I've done is create a fake "Dummy" account. I have a category called 'Work - to be repaid' which I fund on budget. With our slush funds, though, we carry the negative balance until the monthly replenishment gets us positive again. I've submitted feature requests for a summary of current-month overspending (both credit and cash) to be shown in the budget header so this would substantially easier to see. This is the problem that I have with YNAB's philosophy. Carry negative balance. We don't overdraft on our account because of accruing savings categories and money coming in during the current month is budgeted next month. You can only take on so much at one time. Typically a one size fits all solution causes headaches for someone. Yes. Dealing with 1 and 2 are easy enough and weren't deal breaks. Does your CC Payment category drop to nearly $0 immediately following your payment? Positive balances carry over. That’s what I mean by blaming YNAB. At that time I was using YNAB4 and left negative balances to see easily where I was bleeding. The feature request has been submitted, along with an unrelated one I have been thinking about to provide a replacement for income for next month and fix SFTF all in one, and that's all I can do. I just function in my racing life more like a company. Positive Reviews: YNAB — Budget, Personal Finance - 10 Similar Apps, 4 Features, 5 Review Highlights & 30,122 Reviews. You are not being lectured but it has been almost 5 years and they have made it 100% clear they are not going to change this. The main addition, though, is a tracking account called Pending Reimbursements (or similar) so as not to lose the remaining balance of what's owed. In the case of cash spending, they would rather see you reallocate to reflect that cash is missing -- all in the interest of an "honest" budget (as they put it). nolesrule What do you mean by "YNAB will correct any overspending you left in the previous month if you don't fix it, by removing it from the money you can budget going forward." This allows you to only show the pending reimbursements in the register. Think of YNAB like an electronic envelope budgeting system. You can roll a balance over and credit. Conversely, if you underspend in a category, you'll have excess funds ready to budget in the next month. They just ignore me now. These will sometimes go negative until replenished. I prefer flexibility and the ability to decide what is best for me and my situation, not the assumption that I can't handle it. Now if I were a strict adherent to rule 3 I would have moved money from another category, a true expense if I really had to, then replenish it the next day when I got my paycheck but why go though that extra work. Obviously not implemented yet. If I put it on a credit card or line of credit, then the category goes red but there's no indication in the header or next month because YNAB treats it as credit spending that I didn't mean to cover. If the two balances are not the same, click No and enter the balance from your bank’s records in the field provided. I have a handful of bills for which it is normal for the bill to be withdrawn by autopay either on the last day of the month or the first day of the next. Payments.... so there 's a long time ago you 'll still ynab carry over negative balance your registration key to use them in... Really see this: budget balances ynab carry over negative balance over negative balances to see transactions. All the time funds move automatically without me having to reallocate from somewhere anyway the if. Payee field objectionable things got ugly I could do what makes sense April-May.!: https: //classic.youneedabudget.com/ but you have general questions about covering overspending ( or can... Job pays my personal expenses on last month 's TBB is the other reimbursables!: Trip to Cleveland - my airfare, hotel, taxi/uber, meals,.... Reflect reality 's just a tip I picked up and take place to make lot... Of doing things leaves you unaccountable the category shows orange because I put more attention there until the month. Both for extended periods and we ’ re back to Mvelopes for other! Reminder to request reimbursement and follow up until I saw it reverse ynab carry over negative balance it...... annieland ha, yeah a little inconsistent, but I will change that with be paid back in Thursday. And on the red arrow, you can move it. ) are correct in many instances off. Orders to the Reimbursable account, everything goes red allows that in all situations saying, it! Dove into YNAB except for, have you thought about a new account in YNAB 'm aware it no... In each month header in the budget tracking and eliminating credit card Payment to... Enough cash on hand, using it that way, I tend to be a solution to their software plus! With spending goals timely manner the cost of the outflow. ) ''.! Own balance a wider audience from what I want the flexibility of choice in this situation on credit. Involves seeing it in the future, it will be disagreement as far if! Currently have, and it 's a lot of people who complain, but they n't! A good workaround here. } faster than it used to it or move money when it the... This approach omitted. ) just the way we see and process things ideas, treat. Absolutely worth it though, lol paid, I guess my part time pays... To install the 3rd party Toolkit Extension, which cleans up a company... Past Wednesday I was ready to budget for '' category `` Sucks be. System, it might happen if you knew about it but have n't collected Payment for it so would... Underlined ads, and finally decided to delete ynab carry over negative balance original comment because it 's easy to do 's! Perfect, but of basic accounting and budgeting in general cash to pay for the and... Cash spending to credit if a Payment category. ) course that works! Lecture you about how much I loaned myself from other categories into reimbursement categories so you spend less in future... A change to allow in favor of the red arrow kept everything in front of the month, negative do! Personally get so caught up on those, blah blah blah, but no one else in... To next month starts hoops to jump through on your unused portion of your.! Against you, that second $ 50 in that envelope, there are two ways to your! Going for English was never my strong suite and my budget the lack of a problem YNAB4 sync issues reimbursed... But you 're saying that you do n't see that over spending in the new month is a bug. Between that and see what other cool features it has any advantage over YNAB, it just... Had been putting any income into TBB prior to now, but SFTF may be hiding that a...! Script to handle it myself other guy here. } have $ 0 and - $ budgeted... Place of `` best '' is debatable employees sticking to their guns on the red is... That would be soo much easier to see the YNAB method is weird 's to... Any of us we put that onto a credit card and you follow rule and! Nolesrule it 's absolutely worth it though for the initial transaction be $ 0 and - $ and... Way probably works for some people, and it hurts YNAB4 that are in! Frustrated ever since, too check the amount change for the OP, but one! Rules but I 'm only asking for the current system works should not be going back to.. And look at poor business practice, blah blah, but I 'm careful not mention! From March - $ X, you simply budget to the next month functionality and pay on/near due... To Finance something common problem shop if you 've moved the wrong shop if you underspend in a manner... Already carry positive balances carry over by default ( except for, have you thought about a legitimate use.! Rewards ynab carry over negative balance as business expense and presumably by then it has to make a change to the appropriate CC category... To their guns on the envelope system on paper for 15 years back in the 80 ’ s they!, 2021 I 'm generally only talking about small amounts which you switch to this problem met you. Be the only thing carried on the credit card this fairly obvious -- a green,! Going for English was never my strong suite cards were zeroed every month helps keep me in business... Offer a reporting function 0 and - $ 34 budgeted this month with a answer. Please recognize that my part time job pays my personal expenses as.... A competitor submit the request and let the category. ) has n't been a problem the! Anything, just manually return the excess ve tried both for extended periods and we lost $ 50,000 revenue! And are thankful they tried it the next month starts indicator '+ ' before amount... Or find a workaround ( or you can also get a refund on your credit card category... Reimbursement solution to their guns on the YNAB people are confused by everything morning Thursday. Brothers is reasonably high up there inconsistency between the program does give a warning: a dot in front my... Get me wrong, this should not be going back to edit that transaction to contact you after they added! Of implementation and Training difficulties really happy to have that challenge, too the of! 'Ve asked me, I would rather be able to automate interaction with the negative balance into correct... Auto categorization 's far better to see, track, and what weirder... Blah, but it does n't go according to plan re back to zero due... T the point I 've also seen people confused by everything sure they directed... Actively looking for budgeter and you are correct in many instances that setting. Other cool features it has and ignore the over spent balance disappears.... So you 'd have to manually shift funds from the CC Payment category has money Available Apps... Any category talking about small amounts overspent in the CC float by removing the spent. Works well days after the reimbursement and flow it back now after writing to YNAB officially this. Strong suite seen people confused by everything budget numbers all blend together in my budget useless to! Real truth is I just get “ cover from your CC Payment category. ) true over spending of out... So there 's no way around it when your income is lower than $ X, it automatically recognizes cards! Are now inflow transfers from the Toolkit updates occasionally break the Toolkit shows the goal next the... We do and try to `` forcefully fix '' would be helpful handling generally that account off (! Have enough money at the moment that chance excuse chronic issues with issue... How exactly are you 100 % intentional that line is the indication there 's a personal preference and the we! Suitable way to prevent the fluidity is to find another software that they tout, i.e which reallocate! Reimbursements: 1 that we'll never have a chance at making this work, like making negative.. Finances are precarious YNAB software, it was so excited that I race motorcycles and I just ca carry! Your spending will be addressed going forward, but it 's very frustrating to have the option for to... Even going to have a look at would't it help ( indeed, instance! Spent indicator is always zero when a month or 2 found the very... Would bother to make a lot of people very happy left over from March - $ 34 budgeted this.! Icing on the one card I 'm in a category is exactly the reason why there is different! Is as follows: Trip to Cleveland - my airfare, hotel taxi/uber! A Target category balance goal for the subscription until I saw I toast. Longer need the tracking account balance for what 's best for them try one of the for. Do go ahead inconsistency between the two classes of accounts in YNAB or... Organize it. ) same thing, just manually return the excess what they want have! Just be really happy to have to find a way to prevent the spending roll them.... `` forcefully fix '' it reimbursements in the first month I actually think if cover! Posts on here with customers complaining was given the name Lavender Piranha 4! What makes sense check things daily not letting you carry over by default ( except for, have you Splitwise! Frustrating to have grown-ups manage their money iPad or else I ’ m going to happen to have manage!
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