ynab what to do with extra money when there is an amount left over when there shouldnt be
When Ready to Assign Is Negative
When Gear up to Assignis negative, you take over-assigned. This ways you have assigned more coin to your spending categories than y'all have available in your budget accounts. Put simply, whenReady to Assign is negative, you can't trust your budget!
In well-nigh cases, the solution is to movement coin from your spending categories back toReady to Assign until it's a nice, happy $0.00 again. The exception is if your bank account has a negative balance (i.e. it's overdrawn), in which case you lot don't have coin to move back toReady to Assign—bank check out this commodity for footstep-by-step help for getting out of overdraft.
If none of your accounts are overdrawn, there are several other scenarios that can crusade Ready to Assignto be negative:
- Basic Overassigning
- Past Overspending
- Reconciliation Balance Aligning
- Categorizing Outflows to Inflow: Ready to Assign
- Stealing from the Future
If you add together income whilePrepare to Assign is negative in the current month or in any future month, YNAB will automatically use that income to embrace the overassigned corporeality. So if you add income and some or all of it is missing from this month'sFix to Assign, look for these overassigned scenarios in the present and future months to figure out where that coin has gone.
Bones Overassigning
You've got $500 in the banking company, but y'all upkeep $600 for that swanky new luxury bird feeder with born squirrel-ejector (because you lot know those greedy rodents won't leave a single morsel for your feathered friends if y'all don't eject them!). Except y'all've only got $500 and you tin just budget coin y'all really have bachelor, so when you upkeep $600—Blast! Ready to Assign = -$100. Gotta move $100 back toSet to Assign and bring it dorsum to $0.00.
Past Overspending
When the month rolls over, any uncovered cash overspending (ruddy) in the previous month's upkeep gets deducted from the next month'southSet up to Assign.
Those overspent dollars have left your banking company account, so they're no longer bachelor in your budget. You don't need to go dorsum to last month's budget to fix things, though! But move money back toReady to Assign in the current month untilFix to Assign is $0.00, and you're all set!
Reconciliation Rest Aligning
We all have those moments when life gets particularly busy and we don't reconcile our accounts equally often every bit nosotros know we should. Next thing you know, it's 3 weeks later and YNAB says you have $2000 available in your checking business relationship—but yous're looking at your cyberbanking app on your phone and you lot know you only have $1500. So yous reconcile the business relationship and make a Reconciliation Residuum Adjustment to get things back on rail quickly. This pulls the non-real $500 from your account remainder—and fromReady to Assign. You'll need to move money from your spending categories dorsum toReady to Assign until it's no longer negative.
Categorizing Outflows to Inflow: Ready to Assign
Aside from reconciliation balance adjustments (which are automatically created by YNAB), outflows should not be assigned to Inflow: Ready to Assign. Assigning an outflow toInflow: Set to Assign will reduce the amount available inReady to Assign by the amount of the outflow, which could cause it to get negative. If you have an outflow transaction from an account, be sure to categorize it to a spending category (and assign money to embrace it in that category). If no category fits the transaction, you lot can always create a new ane.
Stealing from the Time to come
Boy, this sounds serious! And it is. If y'all have money budgeted into categories one or more time to come months, your almost electric current Ready to Assign amount is in the future-est month. IfReady to Assign reaches 0.00 and you lot assign more coin in an earlier calendar month, YNAB pulls that coin fromReady to Assign in the future-est month with available funds to comprehend your earlier budgeting needs. (After all, it's non much good assigning money for side by side month's rent when y'all however need to assign money for this calendar month's utilities.) When this happens, the time to come month'sReady to Assign turns negative. To go things dorsum on track, move money from your spending categories back toReady to Assign until information technology reaches 0.00 over again in the future-est month.
To let you lot know yous've stolen from the future in your budget, keep an eye on the Assigned in the Hereafter department of the right sidebar. IfReady to Assign is negative in whatever future month, you'll run into an alert in that location:
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Source: https://docs.youneedabudget.com/article/1697-when-ready-to-assign-is-negative
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