So that $53 I got refunded? I had put it in as a refund inflow transaction to the Home Maintenance category. Imagine surprise when my credit card went negative! Thinking it through, I realized this makes perfect sense because I had already paid the credit card bill including the $53, so those dollars already had a job: credit card payback. I was able to fix it by budgeting more to the credit card payment (we're still carrying some debt on our everyday use card from DD1's euthanasia/cancer treatments last year). Then my TBB went negative until I cleared the $53 from my Home Maintenance fund. Here I was thinking we had that money back when realistically, it had already done a different job.
Fortunately, I'll be able to replenish that $53 on my next paycheck by allocating the money that was going to go to credit card payments to the Home Maintenance fund instead.
In other news, we have very loose plans to buy a car in the next year or so. I think I've finally managed to get DH on board with the plan to pay cash for a used car! That's a story for another day, but quite the win.
This is why I love YNAB.
May 21st, 2018 at 11:39 am
May 21st, 2018 at 12:48 pm 1526906912
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June 6th, 2018 at 10:38 am 1528281499