In this situation, YNAB will take money out of the … EveryDollar. I've gone through each line and verified that the starting balance was correct and that all transactions since then have been entered into YNAB, but it still thinks my balance is different than what shows on my card. Why do previous months' CCrd categories show available money, Because I am not overbudgeted, and yet it is saying I am, https://docs.youneedabudget.com/article/1525-when-you-pay-your-card-in-full, I have the honor to be your obedient servant. Each choice comes with different ways to proceed. If you were trying to make the budgeted column match something, that is likely where your problem began. Sync your CC account to YNAB and have the web app automatically import any transaction it detects (which you have done). Some notable features of this app that set it apart from other solutions (such using separate budgets for different currencies, the YNAB Multi-Currency app, or the Currency Converter for YNAB … jenmas yes- screenshots taken this morning from the different months. How to recon with your accounts. You've assigned jobs to more money than you possess. Thank you! I have imported transactions and tried to reconcile to the latest statement. In the meantime, my “Personal Care” category will … I just adjusted all of the account balances to be accurate and negative and put the opposite amount in the credit card payments column. You create an obligation to pay back the credit card company later. I've gotta use a credit card … So, the Amazon purchase for $20 that is pending online, will eventually clear with Chase bank. It is possible that you will have to budget a negative number. Coral Viper Did you take all those screenshots on the same day? I had turned it off when I had a short-term 0% debt on a card, but I just finished paying it off. Dont hide your credit card category because you do need to consult it periodically, especially if you do returns or redeem rewards. Caveat: this assumes you access your CC statements online. YNAB considers itself an educational program, instead of just a budgeting program, and I agree. Whether to pay it in full (PIF) or schedule to pay it off over time? So, for instance I just deposited a check. Can you let me know what you mean by things going cuckoo? The budgeted amounts have nothing to do with the balances on the cards. First, it comes out of the proper category and then it comes out of the credit card payment later...this is confusing to me. When you checked to make sure all transactions were entered, did you see any that were inverted or for the wrong amount? For example, I buy 99% of my fuel and food on credit card, but any spend in one month won't be taken out of my current account until the following month when the credit card … If you pay your cards in full each month, you'll want them to look like your Chase Ink card. What trips most people up is let's say they have a card they pay off every month but on the day they start YNAB they have a balance of $200. Coral Viper At the end of the day, it is a budget category like any other one and needs to be treated the same way in terms of checking the balance before spending from it (ie paying the bill). Am I understanding the credit card … Very frustrating. :). Believe if you take the time to learn it you will be amazed with your progress. YNAB—Budget, Personal Finance, Expense Tracker YNAB will help you break the paycheck to paycheck cycle, get out of debt, and save more money. Just wondered how it works with the credit card payments? YNAB has moved the $50 you budgeted for the Internet bill to paying off the credit card. Give us a few more details and we'll get things ironed out! Then I would edit my "starting balance" in YNAB to be $1000. The way the program handles them is very different from the way I thought about them before learning to use the program. Taking a look at your screenshots, I'm slightly confused. If so, it's not that the $831 from August 31 didn't roll over on Sept 1, it's that everything that happened (new charges, paying a credit card bill, returning things, cashing in points) between Sept 1 and whenever you took that screenshot (presumably Oct 1) also impacted the credit card available category in September and "drowned out" the $831. A screenshot or two may help pinpoint what's going on. And they are absolutely right about YNAB being designed to work around the current online balance. 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