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r/ynab • … • u/shinyrocklover

Why does next month show negative credit card balance??

I’m recently returning to YNAB after a hiatus and I was getting really confused about why credit card money back wasn’t going to my rta category (even though that’s what I categorized it as). I learned about how it adds positive amounts to credit card instead and then you have to take it out of the credit card amount to use it for other stuff. I think this is pretty stupid but whatever at least now I know this is something I have to do. Anyway, I realized that my credit card category was way overfunded and so I subtracted every thing out of it other than what was needed to cover the costs. Now I’m seeing that there is a huge negative balance for next month, despite this month and previous months all payed up credit card wise. Does anyone know why this is or how to fix it? Will it still be there next month when I go in to fill my budget? Or will it finally sync up when the month turns over and they realize I’m not in debt and the credit card was payed off?

I’m not really interested in going through my transactions with a fine tooth comb so if not should I do a fresh start?

I read that others who aren’t using the credit card as float are using credit card as checking account, maybe this is what i would use since I pay mine off every month? But I like the easy way to tell that I have enough budgeted to pay off in credit card.

I wish YNAB would let you adjust the functions based on what you use credit cards for, for those of us who treat rewards points as money to allocate, rather than assuming I’m using it to pay off debt.

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