Your rent category has a recorded expenditure(s) singly or in combination totalling $450 in the month of March. The next one coming up is on my transactions list, but it's greyed out since it doesn't need to be on added as a transaction until 3/31/18. For Android, you’ll want to use the toggle to clear. If the transactions are truly upcoming, you should just be able to delete them. 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. If you have gotten this far, you know you need a budget. Reconcile Transactions. 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 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'm trying again to use it and I re-connected my accounts and categorized and approved transactions for Sept and Oct. This will help you budget stay up to date (instead of waiting a few days for transactions to clear … 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. 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. Thanks very much for all your help and patience! At the end of the month? If your bank isn't supported, you'd rather not link them, or the connection is currently down, don't worry — we got you. Take the four rules workshop and the setting up your budget workshop. Feel free to post any news, questions, budget strategies, tips & tricks and advice related to YNAB. I want to delete them both so they don't schedule any future transactions. YNAB will help you break the paycheck to paycheck cycle, get out of debt, and save more money. The issue that I'm having, however, is that the Fresh Start is as of today. IMPORTANT! You will hide the category moving forward. The YNAB API does not provide a way for apps to delete transactions. Or, you could re-reconcile a… In a Fresh Start, your accounts are being re-connected and the Starting Balance doesn't import. If you need additional history, you might consider our File Based Importing option. I just filled in the budget based on cash available to allocate. I Can't figure out how. If they match, you clear them. Instead the difference amount will be changed to 0 and the memo will be set to . Save it. WordTenor Faness is off for the next couple days, but I'd love to help explain! As such, if a foreign currency transaction is deleted, the corresponding difference account transaction cannot be deleted. A small annoyance maybe, but I wonder why transactions aren't set to Cleared by default. But that difference is why so many people are so gung-ho about YNAB. Okay, I just did a Fresh Start, that was easy enough. You will also need to adjust the amount of the starting balance. HappyDance Understood. The YNAB API does not provide a way for apps to delete transactions. 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). So, if I change the data of the starting balance, the transactions since that date will load? Can you explain more what you did and what the budget is showing? You can't overspend in a category without having a transaction entered for today's date or earlier. Reconciliation is an important part of budgeting. You can edit it just like any other transaction. A Brief History of You Need A Budget (YNAB) ... You will be able to change the title, hide the category, and delete the category. But I assume since all I did was delete one upcoming transaction, YNAB will schedule payments for April. Put in today’s balances. 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. There are two ways to import transactions. I deleted the transaction scheduled for 3/31. Create a new transaction and choose the payee you wish to delete (make sure you have no transactions saved under this payee name). When am I supposed to clear transactions? Removing all date filters in your account register and selecting scheduled transactions will show you all active scheduled events. This suggestion is more from a technical standpoint when it comes to direct import (the starting balance being the "stopping point") or if a user wants to fill in missing history. Direct Import will only provide historical transactions for a couple of months in the past, at most. Is it possible?? One option is to link your accountin YNAB with your real-world account—which will allow you to import transactions once they clear. The transaction isn't cleared yet (the green C is not clicked). 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. Feel free to post any news, questions, budget strategies, tips & tricks and advice related to YNAB. I want to budget the money I have and not forecast the money for the whole month. At least I pay with Debit most of the time, so the transaction should be quite quickly reflected in the bank account. If the transaction is pending or was manually added, you can select Delete this transaction in the bottom left corner. Just for clarification, in case this is an attempt to use the scheduler to budget. Leave everything else blank except for the date and the payee, and save it. share. User clicks clear transactions to clear the selected set ... A discussion subreddit for popular budgeting software You Need A Budget. You can do it just like the Pilgrims did. As soon as they are posted? (You can delete an uncleared transaction from the Edit menu, but that's because the Delete option is always present there). Even if it isn't, it … Get it started the YNAB way. 2. YNAB is meant to start from right now. Cleared: Transactions that your bank knows about and have finished processing are cleared and are marked with a green C at the right-hand side of the transaction line.Your bank likely calls these transactions cleared or processed.If you import transactions, many of them will be cleared in YNAB automatically. That will help with finding the error! Right now I have $1000 left to budget from my checking account. 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? 13 comments. You might call it magic. I decided, for example, to delete my Betterment account when I did a fresh start. 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. I'll dig through my transactions. These things caused the available about to show as -$225. Like 1. I Can't Connect. Can you explain more about changing the starting balance amount? Feel free to post any news, questions, budget strategies, tips & tricks and advice related to YNAB. I had to do it from the Budget tab, was trying to do it from the transactions and "add category" menu. 5 years ago. Automatically syncs Amazon.com transactions to YNAB. On average, new users save $600 in the first two months, and more than $6,000 in the first year. Yeah, I've decided not to back date. HappyDance OK, that makes sense. 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. Thanks! However, we do hear from those users who want to start at the beginning of the month, or those that wants to play with more history in their budget, so we explain how to handle the starting balance in that scenario. We call it File-Based Importing. As such, if a foreign currency transaction is deleted, the corresponding difference account transaction cannot be deleted. 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 keep my categories, but I want to delete all historical transaction information and remove all accounts. So I have to constantly change my budget amount. YNAB will ask if you're sure, but you can confidently delete it knowing you're correcting it. In this  example YNAB is warning me that the $25 category balance I have is insufficient to handle 3 upcoming transactions totaling $179.50. This is where you have some decisions to make: Simplify Your Accounts. Edit the transaction and choose another payee. I get that it's for when the transaction has actually been posted (especially for credit cards, posted as opposed to pending) but what have you found works best for you? This is straight up madness as far as I’m concerned and I’m unhappy about this advice being given by support. Let me know if you have any other questions, I'm happy to help! I don't know how to change things do it works that way. Logging into the YNAB web app through an Incognito/Private window … 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. A Brief History of You Need A Budget (YNAB) ... You will be able to change the title, hide the category, and delete the category. What you do when you’re paid is more important than the date itself. In short, you compare the transactions in your bank account statement to the transactions that you’ve recorded in YNAB. Over all, everything is a mess. Is there a way to nuke everything and start over? Isn't the point of linking accounts to help minimize data entry? Ask yourself, “What does this money need to do before I’m paid again?”. Also, my employment ended as of the 1st of October, so now is a good time to start with a fresh budget. I deleted the upcoming transactions in my register and now YNAB says I've overspent in those categories. What that negative is telling you is that by removing funds from that category, you are creating an overspend in that category. I get that it's for when the transaction has actually been posted (especially for credit cards, posted as opposed to pending) but what have you found works best for you? When prompted, choose Unlinked , select Cash as the account type, and give it a nickname, such as Wallet, Piggy Bank, or Cash, if you're feeling particularly creative. I'll need to go over all the early training material, because I'm still confused. Which button you see depends on whether or not the account has transaction history. Next Steps. I want to budget what I have now, and right now, I'm only have $225 to spend on it. If there isn't another recurrence of the transaction on your screen, then you successfully deleted the pesky thing. 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. Record your income. Just reconcile every 2 or 3 days...takes less than 5 minutes. So, since we are all on the same page—let’s do this! That's how it works exactly. So it's never going to schedule that transaction again, right? 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. Create a new transaction and choose the payee you wish to delete (make sure you have no transactions saved under this payee name). Learn more about bank time here. If you want YNAB to import these transactions automatically, you’ll want to connect your credit card accounts as well. 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. I decided, for example, to delete my Betterment account when I did a fresh start. KEY FEATURES: Bank Syncing Easily connect all your accounts in one place and import your transactions, so you always have up-to-date information. If I try to delete the budget cell to an amount below the amount I've already spent, I too will get a negative. Here's what it looks like in YNAB: If you understand the method and you understand cleared and pending transactions, you will figure out how to backdate your starting date easily. 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. 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! Try it free for 34 days. Close Account. It can be anything. Did you record a rent payment for March 1? And, obviously, we know you need a budget. If I change the budgeted amount to $0, the available amount is in the red. In the meantime, there are a few troubleshooting steps that have helped other YNABers bypass similar issues: 1.) So, I'd like to just delete that scheduled transaction to stop all the confusing (to me) changes like that. 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. And will I need to set he starting balance for each account to the amount it was on September 1st? 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. Am I supposed to determine the balance of that account on the data I set the starting balance? Have you paid another expense and categorized it to rent in March? HappyDance OK. I'm brand new, but I didn't see this anywhere else. I can't get that to $0 without screwing up the budgeted amount. It's going to take some determination and persistence from you to keep it up. As I mentioned above, I'm a customer too, and one whose price is eventually going to go up. 3. If you realize you made a mistake while reconciling—and you notice right away—you can use the Undo button to un-reconcile.Otherwise, here are a few options to get things squared away: If the balance adjustment or any other reconciled transaction is incorrect: 1. Deleted transactions. (choose something most similar) Occasionally some funds would appear in To be Budgeted. Did you enter a future expense with a current date? All Clear! If I set the available amount to $0, YNAB bumps up my budgeted amount to the monthly total. YNAB allows you to easily reconcile your transactions. When the transaction does clear, with direct import YNAB will match this transaction. 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! I have two scheduled transactions. You cannot move the funds to another category and spend then again without seeing an overspend. Jannelle Maybe this would be a good spot where a division between unofficial and official could be made. You can download a file from your bank and drag-and-drop it right into your YNAB account register. Best Answer. 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.) After connecting an account, if you decide to import past transactions (since the first of the month, for example) you can change the date of the starting balance transaction. I would like to have $0 available but only $225 budgeted. If they’re missing, you add them. That's right. Your comment suggests to me that you have already spent the money from this category. WordTenor Yeah, makes sense now. 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. In YNAB, upcoming transactions aren’t included in the Activity column until the date of the transaction. I lapsed in keeping YNAB up to date for many months. I see, got it. 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. Long Gap in Using YNAB - how to clear all transactions and start over but keep categories. It can be anything. 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. It will be better, I promise. I set up a scheduled transaction for my rent. But some of my cards had their numbers changed and the payments to those cards create an incorrect balance attributed to the cards. 1. Why do I have to manually enter my account balances after a Fresh Start? Here’s how to enter spending yourself in YNAB. Wife: \"I didn\'t give you clearance for any of those transactions. 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. . Maybe it's the very mild, hedgey tone of "We encourage you" instead of beginning with, "This is going to cause a big mess 90% of the time, but if it is really going to drive you bonkers...You have been warned." Note: Now the credit card balance should be $0.00. I'm finding I have to keep toggling between YNAB and my spreadsheet to really understand my financial situation. This is confusing. 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. Select an existing category to recategorize the transactions to. This is a significant programmatic departure from YNAB4 which included future dated transactions in the Activity calculations. So I deleted the upcoming scheduled transaction and changed the Budgeted amount to equal the one March payment that's due now. There seems to be little value to this month's budget if 10 days of transactions are ignored. Also, it would be more helpful if I could also bring in transactions from the prior month to better understand what I should be expecting for this month. Email. We always recommend that users start that day, and the app itself is built to handle it what way it as well. (or, when you enter in your starting balances) Give those dollars a job. Just use these three steps: Wash, rinse, and repeat! You do NOT use the scheduler for budgeting into a category. If you have budgeted money to a category at any point in this budgets history you do not want to delete it! At the end of the month? select the scheduled entry, click on Edit, select delete (screen shot below). At least I pay with Debit most of the time, so the transaction should be quite quickly reflected in the bank account. Since your wallet doesn't have a pending fold, any spending or Scheduled Transactions entered in cash accounts on iOS or web will be automatically marked as cleared. Anyway, it is starting to come together. If they match, you clear them. Mark them uncleared. So, YNAB is better for you if you want to budget your savings in currency other than US or Canadian dollars. Then I will re-add the accounts and re-categorize and re-accept every transaction. 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. 2. When am I supposed to clear transactions? 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." . What you won’t see, however, is all of your old transaction and budget data, ‘cuz it’s time to start fresh. 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. If you click on the "i" symbol of an uncleared transaction, you'll only be given the option to Approve or Reject - not delete. 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. First up, do you really need all of your accounts 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). But I assume since all I did was delete one upcoming transaction, YNAB will schedule payments for April. The basic concept is to have a dedicated account within YNAB for Amazon transations. You certainly don't have to budget for a full month's worth of expenses up front (we don't recommend that you go into the red to do that )! 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? HappyDance kind of. 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. So you're saying the available & budgeted numbers aren't related to the fact that these are scheduled transactions like I thought. Congratulations on taking the first step! For all intents and purposes, this has the same end result. Now you've got it! Does that help at all? 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. If you'd rather delete the transaction, you can do that. Password. 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. Reported - view. ✨ Either way, imported transa… It's different than what you are thinking when you think of a budget, and that can be hard to handle at first. Sorry if I'm explaining this badly - did I mention I'm new? 1 year YNAB user here. My Institution Isn't Listed. Adding Transactions to YNAB. Accounts & Transactions. 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