I want to budget what I have now, and right now, I'm only have $225 to spend on it. YNAB will attempt to get your attention with a lovely orange warning that looks like this: And when you click on the category with an orange warning, it will describe the issue it is warning you about on the right hand side of the screen. YNAB will help you break the paycheck to paycheck cycle, get out of debt, and save more money. Budget from today forward. share. 2. . Did you record a rent payment for March 1? Then the transaction sits and waits to be processed, and this can sometimes take a day or two—or three or four (banks, right?). Right now, YNAB is telling you you that when you move funds out of that category, there were already expenses there, so you are deliberately creating an overspend. So I deleted the upcoming scheduled transaction and changed the Budgeted amount to equal the one March payment that's due now. I believe there's a way to do what I'm trying to do, I just can't figure out what it is. Like 1. 1 year YNAB user here. The YNAB API does not provide a way for apps to delete transactions. You may have to hunt for that in your account view rather than your budget view. Password. What that negative is telling you is that by removing funds from that category, you are creating an overspend in that category. I just filled in the budget based on cash available to allocate. I deleted the upcoming transactions in my register and now YNAB says I've overspent in those categories. I want to budget the money I have and not forecast the money for the whole month. Removing all date filters in your account register and selecting scheduled transactions will show you all active scheduled events. Setting a goal of having sufficient funds saved up from my liabilities helps me understand where I've got to focus on, especially when I do start getting more money coming in. Now you've got it! If I set a monthly budget, I'm going to start each month in the red until my wife's second payment comes in the middle of the month. (or, when you enter in your starting balances) Give those dollars a job. Any bank or credit card payments to Amazon can then be set as transfers to this Amazon account. Thanks very much for all your help and patience! I missed the Fresh Start feature when I started this post and I hope I'm still missing something equally obvious, because I don't see how YNAB is useful if I can't bring in transactions from the prior month and transaction from the first day of this month. I deleted the transaction scheduled for 3/31. Adding a credit card account is the same as adding a checking account, except you’ll need to choose Credit Card as the account type. Ask yourself, “What does this money need to do before I’m paid again?”. If the activity is showing because of a scheduled entry, but you did NOT spend it, then delete the entry in the corresponding register (I pay my rent out of my chequing account). Put in today’s balances. This is straight up madness as far as I’m concerned and I’m unhappy about this advice being given by support. At the end of the month? select the scheduled entry, click on Edit, select delete (screen shot below). If the transaction was automatically added, use the arrows that appear next to the category name to find and select Hide from Budget & Trends. Is there anyway to start a fresh start as of the 1st of the month? Adding a credit card account is the same as adding a checking account, except you’ll need to choose Credit Card as the account type. Here's what it looks like in YNAB: Did you enter a future expense with a current date? The issue that I'm having, however, is that the Fresh Start is as of today. ... A discussion subreddit for popular budgeting software You Need A Budget. I would like to keep my categories, but I want to delete all historical transaction information and remove all accounts. So you're saying the available & budgeted numbers aren't related to the fact that these are scheduled transactions like I thought. If I try to delete the budget cell to an amount below the amount I've already spent, I too will get a negative. If the transaction is pending or was manually added, you can select Delete this transaction in the bottom left corner. I think I will use the goals because I want to know what I'm actually on the hook for in addition to what I can actually put money towards. I'm finding I have to keep toggling between YNAB and my spreadsheet to really understand my financial situation. I had to do it from the Budget tab, was trying to do it from the transactions and "add category" menu. Thanks! Feel free to post any news, questions, budget strategies, tips & tricks and advice related to YNAB. Right now I have a Spreadsheet where I have all recurring payments logged, so I understand my liabilities. It's definitely not a change in method or anything like that, we still firmly believe in starting today, and will continue to teach and recommend that way of budgeting. https://docs.youneedabudget.com/article/165-scheduled-transactions If you'd rather delete the transaction, you can do that. When am I supposed to clear transactions? Clear transactions periodically via download (cleared) Reconcile at the end of the statement cycle (locked) ... A discussion subreddit for popular budgeting software You Need A Budget. Close Account. Can you explain more about changing the starting balance amount? If you can't figure out how to backdate your starting date without help, you probably don't understand enough about using the budget yet to prevent ending up in a wild mess of imported transactions and back-budgeting. I'm actually back to using a Google Spreadsheet to determine my budget because I can't see how to determine my spending for the month of October so far. You can click the box to the left of the transaction you want to delete, then select the Edit option above, and in the drop-down menu there is a Delete option at the bottom. If this is correct, and if you have an amount in the activity column, then that would explain why deleting the budgeted amount would cause the available to go negative. You cannot move the funds to another category and spend then again without seeing an overspend. At least I pay with Debit most of the time, so the transaction should be quite quickly reflected in the bank account. Take the four rules workshop and the setting up your budget workshop. If the transactions are truly upcoming, you should just be able to delete them. I am not super happy about potentially paying for others to have one-on-one support because support is giving advice that is going to cause most average users more confusion. I can't get that to $0 without screwing up the budgeted amount. If there isn't another recurrence of the transaction on your screen, then you successfully deleted the pesky thing. For all intents and purposes, this has the same end result. These things caused the available about to show as -$225. I decided, for example, to delete my Betterment account when I did a fresh start. But that difference is why so many people are so gung-ho about YNAB. Jannelle Maybe this would be a good spot where a division between unofficial and official could be made. This is where you have some decisions to make: Simplify Your Accounts. ✨ Either way, imported transa… YNAB will ask if you're sure, but you can confidently delete it knowing you're correcting it. My Institution Isn't Listed. Next Steps. Just use these three steps: Wash, rinse, and repeat! Why do I have to manually enter my account balances after a Fresh Start? If you elect to have transactions import automatically, I still recommend inputting them manually, and then when the transaction clears, YNAB links the transactions together! A scheduled transaction that hasn't yet occurred (hasn't been paid or transferred) will not cause your category to appear negative red (overspent). I hope that makes sense so far. When am I supposed to clear transactions? 13 comments. I'm trying again to use it and I re-connected my accounts and categorized and approved transactions for Sept and Oct. So, YNAB offers you diversity in terms of currency so you can manage your budget in your own currency. It's different than what you are thinking when you think of a budget, and that can be hard to handle at first. Reconcile Transactions. When you hover over any of your accounts in YNAB, you'll see an Edit Account icon—which is your ticket to the Close Account or Delete Account button. Okay, I just did a Fresh Start, that was easy enough. I'm happy to pay a premium for this product knowing that the funds go to help other people get the help they need to use YNAB. You can edit it just like any other transaction. Learn more about bank time here. We always recommend that users start that day, and the app itself is built to handle it what way it as well. Start your free trial today! Follow YNAB to get support and lots of great ideas on budgeting, I have the honor to be your obedient servant. It can be anything. Save it. Record your income. (choose something most similar) Occasionally some funds would appear in To be Budgeted. I lapsed in keeping YNAB up to date for many months. Anyway, it is starting to come together. So, if I change the data of the starting balance, the transactions since that date will load? 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