So, YNAB offers you diversity in terms of currency so you can manage your budget in your own currency. Once they process the transaction, that’s the moment the digital carrier pigeon flies over to your YNAB budget and the transaction appears for you to approve. In a Fresh Start, your accounts are being re-connected and the Starting Balance doesn't import. I deleted the upcoming transactions in my register and now YNAB says I've overspent in those categories. You are saying you’d like to get off of the right foot but unknowingly asking for instructions on how to get off on the wrong foot. Here was my process: Unhide a few categories at a time that I was working on eliminating. 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! All Clear! Take the four rules workshop and the setting up your budget workshop. Thanks! What you won’t see, however, is all of your old transaction and budget data, ‘cuz it’s time to start fresh. Cleared transactions make up the Cleared Balance at the top of your register. I'm posting a screen shot of my own March rent/utilities category both with funds and after deleting funds to use as an illustration to my explanation:  I cannot reduce my budgeted amount below the amount I spent on rent on March 1 without causing the category to display a negative (overspent) amount. 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. ... A discussion subreddit for popular budgeting software You Need A Budget. I see, got it. That's how it works exactly. If I change the budgeted amount to $0, the available amount is in the red. The transaction isn't cleared yet (the green C is not clicked). As I mentioned above, I'm a customer too, and one whose price is eventually going to go up. I'll use one as an example. You can download a file from your bank and drag-and-drop it right into your YNAB account register. Just reconcile every 2 or 3 days...takes less than 5 minutes. If you left-click on the category in the Categories column (leftmost in the Budget tab), a little dialog should pop up that lets you rename, hide, or delete a category.Just click the "Delete this category" link and you'll be good to go. So you're saying the available & budgeted numbers aren't related to the fact that these are scheduled transactions like I thought. 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). Adding Transactions to YNAB. When am I supposed to clear transactions? I deleted the transaction scheduled for 3/31. I hope that makes sense so far. Automatically syncs Amazon.com transactions to YNAB. That’s right. 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. (You can delete an uncleared transaction from the Edit menu, but that's because the Delete option is always present there). 2. A Brief History of You Need A Budget (YNAB) ... You will be able to change the title, hide the category, and delete the category. If you click on the "i" symbol of an uncleared transaction, you'll only be given the option to Approve or Reject - not delete. That's right. Just use these three steps: Wash, rinse, and repeat! If any transactions are from before this date, delete them within YNAB. In short, you compare the transactions in your bank account statement to the transactions that you’ve recorded in YNAB. So I’d prefer it if support set people on the right path rather than telling them how to backdate their starting point. First up, do you really need all of your accounts in YNAB? If the transaction is pending or was manually added, you can select Delete this transaction in the bottom left corner. Add neighboring button to the reconcile adjustment button Clicking the button will bring up a modal with matching transactions User can choose their uncleared transaction set. User clicks clear transactions to clear the selected set If you have budgeted money to a category at any point in this budgets history you do not want to delete it! 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. In the budget part of YNAB, where you have your budgeted and activity and available columns, the "available" amount is the monthly amount, instead of the per-paycheck amount. I know how to delete the next upcoming scheduled transaction, since it's on the transactions list, so I deleted the one for 3/31/18. If you have gotten this far, you know you need a budget. I … So it's never going to schedule that transaction again, right? Losing the historical info is hard, but I never really had a good start with YNAB so the historical info is of dubious value. I was going to do a fresh start but it said my scheduled transactions would be retained, and that's what I'm trying to get rid of... Help? So, YNAB is better for you if you want to budget your savings in currency other than US or Canadian dollars. Here’s how to enter spending yourself in YNAB. 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. Yeah, I've decided not to back date. If you understand the method and you understand cleared and pending transactions, you will figure out how to backdate your starting date easily. I'm tempted to wait until November and do another Fresh start but I really want the data points from October to better understand my new financial situation. This is what I'm reading from your question: On the budget screen, if I delete the amount budgeted, the category's available balance goes negative and red. You can do it just like the Pilgrims did. Removing all date filters in your account register and selecting scheduled transactions will show you all active scheduled events. So I deleted the upcoming scheduled transaction and changed the Budgeted amount to equal the one March payment that's due now. Even if it isn't, it feels like this is always an unnecessary hassle. I'll need to go over all the early training material, because I'm still confused. So, if I change the data of the starting balance, the transactions since that date will load? But I assume since all I did was delete one upcoming transaction, YNAB will schedule payments for April. Create a new transaction and choose the payee you wish to delete (make sure you have no transactions saved under this payee name). (choose something most similar) Occasionally some funds would appear in To be Budgeted. 1 year YNAB user here. Can you explain more about changing the starting balance amount? I decided, for example, to delete my Betterment account when I did a fresh start. At the end of the month? Add an account on web (or mobile ). Your rent category has a recorded expenditure(s) singly or in combination totalling $450 in the month of March. Here's what it looks like in YNAB: A scheduled transaction that hasn't yet occurred (hasn't been paid or transferred) will not cause your category to appear negative red (overspent). YNAB allows you to easily reconcile your transactions. Overheard: Wife: \"What are you doing with YNAB?\" Husband: \"I\'m reconciling all of these cleared transactions to our bank balance.\" (Wife glances over to the computer screen.) Email. Start your free trial today! I Can't Connect. Thanks very much for all your help and patience! First up, do you really need all of your accounts in YNAB? 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. Instead the difference amount will be changed to 0 and the memo will be set to . Put in today’s balances. We highly … Follow YNAB to get support and lots of great ideas on budgeting, to do treat the budget as what work I'm putting incoming money towards and then use goals to record the amount I need to have budgeted, I have the honor to be your obedient servant. It seems that doing ANYTHING is YNAB this month is a waste of time because I didn't start at the beginning of the month. 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. So I have to constantly change my budget amount. These things caused the available about to show as -$225. At the end of the month? Choose the transaction you’d like to hide or delete and select EDIT DETAILS. Reported - view. 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. Edit the transaction and choose another payee. As such, if a foreign currency transaction is deleted, the corresponding difference account transaction cannot be deleted. I want to delete them both so they don't schedule any future transactions. Next Steps. 13 comments. The reason I feel strongly about this is that in almost 5 years of helping people use YNAB, I have found this particular issue to be a litmus test of how well people understand using YNAB. And you don't even necessarily need the goals--they are just there to help you do the part of "what work I'm putting incoming money towards." Is there anyway to start a fresh start as of the 1st of the month? Okay, I just did a Fresh Start, that was easy enough. Leave everything else blank except for the date and the payee, and save it. So, since we are all on the same page—let’s do this! IMPORTANT! First, deleting the scheduled transaction. Mark them uncleared. The YNAB API does not provide a way for apps to delete transactions. I have two scheduled transactions. Record your income. Go to your YNAB account and refresh the page to see the synced transactions. Let me know if you have any other questions, I'm happy to help! In short, you compare the transactions in your bank account statement to the transactions that you’ve recorded in YNAB. What you do when you’re paid is more important than the date itself. (or, when you enter in your starting balances) Give those dollars a job. For all intents and purposes, this has the same end result. When you reconcile that's when you'll clear transactions. A Brief History of You Need A Budget (YNAB) ... You will be able to change the title, hide the category, and delete the category. I don't know how to change things do it works that way. That will help with finding the error! I would like to keep my categories, but I want to delete all historical transaction information and remove all accounts. 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. At least I pay with Debit most of the time, so the transaction should be quite quickly reflected in the bank account. This is straight up madness as far as I’m concerned and I’m unhappy about this advice being given by support. Which button you see depends on whether or not the account has transaction history. Right now I have $1000 left to budget from my checking account. Right now I have a Spreadsheet where I have all recurring payments logged, so I understand my liabilities. If they’re missing, you add them. Can you explain more what you did and what the budget is showing? share. Logging into the YNAB web app through an Incognito/Private window … Best Answer. We encourage YNABers to start from today and not look back, so when you set up an account it will start with today's date. One option is to link your accountin YNAB with your real-world account—which will allow you to import transactions once they clear. Accounts & Transactions. It seems that the way to handle this is to do treat the budget as what work I'm putting incoming money towards and then use goals to record the amount I need to have budgeted. 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. Even if it isn't, it … Slate Blue Captain If you never really got started with ynab, and you made a big mess that you now want to fix, the right course of action isn’t to try to backdate. I don't want any more payments scheduled, ongoing. 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. I would assume it leads to more confused people, based on things I’ve seen here, who then take up more support time, which we all eventually pay for. If the transactions are truly upcoming, you should just be able to delete them. At least I pay with Debit most of the time, so the transaction should be quite quickly reflected in the bank account. HappyDance OK. 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. Add your checking account whether you choose to link your account to your bank or add it unlinked.IMPORTANT! So, I'd like to just delete that scheduled transaction to stop all the confusing (to me) changes like that. amazon-ynab-sync. Leave everything else blank except for the date and the payee, and save it. Wife: \"I didn\'t give you clearance for any of those transactions. If you have budgeted money to a category at any point in this budgets history you do not want to delete it! Like 1. 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. I'm afraid I can't be specific enough with my terminology because I'm just getting started and don't know it all yet. In otherwords, if I set the starting balance to September 1st, will all transactions dated from Sep 1st and later load? I would like to have $0 available but only $225 budgeted. 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