While still using YNAB 4, you just had to drool over it (mmmm Fancy Berry Pie!) Thanks. Now, add up the cash in your accounts. That money reduces the amount you have To Be Budgeted, because you've already budgeted it. Here's what it looks like in YNAB: And even though I’m a professional financial advisor and Certified Financial Planner, what you do financially dwarfs the importance of my work. Feel free to post any news, questions, budget strategies, tips & tricks and advice related to YNAB. YNAB allows your to put your categories under headings. Great detective work! Select a font from the Google Fonts library or choose to use your system font. :). having the same issue. Once I totaled ALL accounts the numbers matched. How does You Need A Budget work? If you have more than one account, read this: The Relationship Between Your Budget & Your Accounts: It’s Complicated, Faness You seem to be the expert in this thread. Nicole Thank you for your help. You can always pay your credit cards in full and still be living on the float. then when the new month rolls around, i move the money from that category to TBB.  You'll want to reconcile your accounts first, to make sure your real life bank accounts match the balance in YNAB. I just sent you a request via email. We have been using YNAB for exactly 1 year and it's been incredible. Also, I know others have attributed this to the split transactions, but I don't see an error  there either. You … when I bashfully showed it off. I have the same problem. Localization of YNAB. The transaction isn't cleared yet (the green C is not clicked). Pocketsmith makes hard work of monitoring your actual vs budgeted spend. Let’s continue over email. YNAB helps you build savings in different categories of your budget, and promotes pride when you actually accomplish that. I do not currently have anything budgeted for February so my starting balance to be budgeted is that 2,090.99 amount. Rule Two: Embrace Your True Expenses It's definitely important to be able to trust your budget, so here's how you can verify that the amount in your account(s) matches exactly with your budget in YNAB – no more and no less. With all of your cash in one place, you use YNAB categories to break up that money into the areas that you need. If you still have questions, you can respond here or to the email I sent! :). That’s just one of many little things YNAB does so much better than EveryDollar. Then increase the Savings budget to $474, to match the amount you actually sent to your savings account. Thank you! does YNAB have a feature … Checking: 2,643.41 . Are you able to help please? Here’s a way you can verify every dollar in your bank account(s) is reflected in your budget – and not a dollar more. (Note: I am not talking about investments, money markets, or retirement accounts – just cash.) I'm pretty sure the problem is connected to an investment purchase and how I set up the accounts at the beginning. If you HAVE budgeted in the past, you’ll probably wonder WHY you never thought to do it like this before. Add that to the amount you have left To be Budgeted and any amount Budgeted in Future, if applicable. After all, those dollars are truly gone from the budget. Otherwise, it will never go down? And it is really frustrating. I did some deep digging (5 months), and I too found a screwed up split transaction that was the culprit. If it takes you a few weeks to wrap your brain around the concepts, you’re not alone. If you run the self audit steps listed above, are things still not adding up? Alice Blue Projector Alice, is the problem that your bank account balances are invalid in YNAB? I then have a master category called 'Debt,' and under that I have an 'Interest' category, which is where I put all of my credit card interest. I have enabled support access and would like to continue via email. Nothing budgeted in the future. People then tend to worry about duplication, but you can assure them that A) YNAB will match them up! Thanks you! If that account shouldn't have a balance, you can reconcile it to get things back on track! 4. I am having the same issue and what scares me is I am not sure how long this has been going on or if this is the first month. YNAB’s philosophy and software features combat many of the reasons bugets fail. Try it free for 34 days. 6. As a work around of sorts, I recommend you rename your closed accounts. ncpfist If you're migrating from YNAB4 and you had Pre-YNAB Debt or ever used the red arrow, you're going to have some ugliness to clean up. For example, all our main monthly bills are under "Set Monthly Expenses." :). You can trust your budget when three things are true: Your account balances in YNAB match your bank Your To be Budgeted is positive or at $0 There are no … I'm happy you were able to get things ironed out! Jared I love it when users beat me to the answer! … My balance is higher than my amount that I can budget, and also.. what I've allocated this month. Magenta Tiger It's really simple to find out if you're on the float. As always great support! Unfortunately, that doesn't solve the discrepancy between my budget and actual account balance, which is around $600 and far more concerning. Thank you for responding! I guess I will chime in here too to say I am having similar problems. Hold up, is this forum only for the new YNAB? at least for me, i think $45/year (the lifetime discount for YNAB 4 users) is absolutely worth the cost. In YNAB you can have all of your money in ONE account. You may need to pull some money out of your emergency fund or other categories to correct this. Could there possibly be any other reasons this could be happening? Indeed, it would be good to have split entries validated whether they do add up. Any suggestions as to what I might have overlooked? For example, if you have $2500 in your checking account and $500 budgeted for rent, that leaves $2000 in To Be Budgeted, assuming no other accounts or budgeted categories. Or like a tighter look with less row padding? Should I just put in a bogus transaction to "stuff I forgot to budget for"? bevocat  Ynab can record a transaction in a closed account? I see that the two balance. Want to know if you're Stealing from the Future? So, for example, if I paid the student loan payment, the large home maintenance bill we have been saving for, and the medical bills we would be out of money, even though it looks like there is money set aside for these things. bevocat Correct. satcook I have five. Before I resort to posting a screenshot, here is a breakdown of how things are set up: Please let me know if I should move this to it's own post, or if anyone needs more information, as this seems to be more of a fundamental issue, which includes the 'Available to Budget' issue, but not that only. Automatic Imports Like most budgeting apps, YNAB connects to your bank and credit card accounts and … I disconnect any accounts before I close them. It’s almost impossible not to fall in love with the budgeting tool called You Need A Budget, or YNAB for short. :). If you reconcile and make sure everything in YNAB is correct and current, I would just adjust the balance. I’m using YNAB on a trial basis and would really like to make it work for me since I have heard so many good things about it. We'd be more than happy to take a closer look for you! Hi Magenta Tiger ! The 'my account' that I was referring to was my checking account. while not as native as YNAB 4, it’s the same concept. Your To Be Budget amount should not match what is in your checking account. Having this same issue. However, there are still instances where closed accounts can get those balances back (scheduled transactions, the undo button, etc.). Goodbudget is a budgeting app that helps … You are most likely missing a transaction somewhere or something hasn't cleared in your bank yet. YNAB only imports your balance once. There must be a simple fix that I just can't wrap my head around at the moment. However, a new Mac and PC version is expected to be available in the summer of 2009. Advance to next month's budget. When Closing an account, YNAB asks you to move the excess funds to an account that's still open in order to prevent issues like this. Account zeroed out and closed, then another transaction gets imported, scheduled/transferred, etc. Thanks again, that does help me better understand the credit card part! If you’re up for it, please take a look and reply there to give us permission to access your budget. If you just want to monitor your actual vs budgeted spend YNAB is the poster boy. Faness I am having a similar issue, except I am showing more in my YNAB accounts available balances than my actual bank account balances show, and I have everything linked up. Let us know if you have any questions! I did make a fresh start to see if I could just move forward that way, but would like to continue with my original budget if you can figure out where my problem is. Tiller Money. @faness_ynab I followed the instructions and my Total Available available for next month and current cash accounts do not match. Can you help? :). 2. Herman Happens all the time. Once you’ve done that, let me know—and mention whether you’d like to continue the discussion here or via email instead. That includes checking, savings, and cash accounts, plus any positive balances on credit cards if applicable. 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