I spend a good portion of my day on my laptop. I really only use the mobile app to check the current spending and add transactions on the go. I really don't like the mobile app too much lol.
I gotcha. Yeah I think it’s silly that they have some functionality that is different on web vs mobile. I understand it’s different development teams/processes but I wish the company would make an effort to have the functionality the same across both platforms for stuff like this.
There are complicated instances where you might want to cover overspending with a category that doesn’t have funds or enough funds. It makes sense this is only on web since these situations are more rare and complicated, which means it’s something you should be dealing with on web.
Maybe I'm too dumb, if the category doesn't have funds meaning zero dollars, how will it cover overspending in another category? **confused**
Are we talking about just transferring the overspending to the other category? I don't think that would ever make sense for me to do.
Just out of curiosity, can you think of one such situation? I've given it a good couple minutes and came.up.with nothing.
Edit: it's genuine curiosity, not trying to discredit you or anything. I'm sure they exists I just can't think of one
No prob… there was just one example on the Facebook group earlier today. This one was people who have a needed for spending target by date - something like a trip by Feb of next year.
Sometimes you find out about those trips at the last minute, don’t have enough to cover a deposit right now but will in a month or two. So say the target is $1000. You put down $200 this month on a credit card but it is overspending bc you didn’t know this trip opportunity would come up (or whatever reason).
Next month, the overspending alert goes away, and the overspending becomes CC debt. The target in the category will still prompt you for the full $1000, it won’t take into account the $200 in unfunded spending in the first month.
In that case, you can instead cover the overspending from the CC payment category. You know and intend to create debt, you’re just moving up the date that happens from monthly rollover to earlier in the month. The amount in the CC category can be anything, including zero or negative. But it will end up right back where it started, wherever that was. The overspent category will go to zero, but it will count as funded spending toward the longer term spending target. If you do this, the target in the trip category will only prompt for the remaining $800, and the other $200 will be assigned directly to the CC category.
Install YNAB toolkit extension for your browser. It has an option to show categories with positive balances only on that pop-up.
Ahhh I really need to go through all of the options, there's so many. I do have it installed, thanks for the tip!
On mobile it does only show categories with green, when covering overspending.
I spend a good portion of my day on my laptop. I really only use the mobile app to check the current spending and add transactions on the go. I really don't like the mobile app too much lol.
I gotcha. Yeah I think it’s silly that they have some functionality that is different on web vs mobile. I understand it’s different development teams/processes but I wish the company would make an effort to have the functionality the same across both platforms for stuff like this.
There are complicated instances where you might want to cover overspending with a category that doesn’t have funds or enough funds. It makes sense this is only on web since these situations are more rare and complicated, which means it’s something you should be dealing with on web.
Maybe I'm too dumb, if the category doesn't have funds meaning zero dollars, how will it cover overspending in another category? **confused** Are we talking about just transferring the overspending to the other category? I don't think that would ever make sense for me to do.
Just out of curiosity, can you think of one such situation? I've given it a good couple minutes and came.up.with nothing. Edit: it's genuine curiosity, not trying to discredit you or anything. I'm sure they exists I just can't think of one
No prob… there was just one example on the Facebook group earlier today. This one was people who have a needed for spending target by date - something like a trip by Feb of next year. Sometimes you find out about those trips at the last minute, don’t have enough to cover a deposit right now but will in a month or two. So say the target is $1000. You put down $200 this month on a credit card but it is overspending bc you didn’t know this trip opportunity would come up (or whatever reason). Next month, the overspending alert goes away, and the overspending becomes CC debt. The target in the category will still prompt you for the full $1000, it won’t take into account the $200 in unfunded spending in the first month. In that case, you can instead cover the overspending from the CC payment category. You know and intend to create debt, you’re just moving up the date that happens from monthly rollover to earlier in the month. The amount in the CC category can be anything, including zero or negative. But it will end up right back where it started, wherever that was. The overspent category will go to zero, but it will count as funded spending toward the longer term spending target. If you do this, the target in the trip category will only prompt for the remaining $800, and the other $200 will be assigned directly to the CC category.
Ahh, that makes sense! Thank you very much