For all intents and purposes, this has the same end result. I believe there's a way to do what I'm trying to do, I just can't figure out what it is. 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. Close Account. As I mentioned above, I'm a customer too, and one whose price is eventually going to go up. Edit the transaction and choose another payee. 13 comments. I have two scheduled transactions. If you click on the "i" symbol of an uncleared transaction, you'll only be given the option to Approve or Reject - not delete. Do … 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. Reported - view. If you'd rather delete the transaction, you can do that. In otherwords, if I set the starting balance to September 1st, will all transactions dated from Sep 1st and later load? What that negative is telling you is that by removing funds from that category, you are creating an overspend in that category. Feel free to post any news, questions, budget strategies, tips & tricks and advice related to YNAB. . In YNAB, upcoming transactions aren’t included in the Activity column until the date of the transaction. Your comment suggests to me that you have already spent the money from this category. Your rent category has a recorded expenditure(s) singly or in combination totalling $450 in the month of March. I would like to keep my categories, but I want to delete all historical transaction information and remove all accounts. You can't overspend in a category without having a transaction entered for today's date or earlier. Removing all date filters in your account register and selecting scheduled transactions will show you all active scheduled events. Instead the difference amount will be changed to 0 and the memo will be set to . I'm finding I have to keep toggling between YNAB and my spreadsheet to really understand my financial situation. Just use these three steps: Wash, rinse, and repeat! Take the four rules workshop and the setting up your budget workshop. Which button you see depends on whether or not the account has transaction history. Accounts & Transactions. If any transactions are from before this date, delete them within YNAB. 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'm trying again to use it and I re-connected my accounts and categorized and approved transactions for Sept and Oct. Does that help at all? This is a significant programmatic departure from YNAB4 which included future dated transactions in the Activity calculations. If you have budgeted money to a category at any point in this budgets history you do not want to delete it! As such, if a foreign currency transaction is deleted, the corresponding difference account transaction cannot be deleted. This will help you budget stay up to date (instead of waiting a few days for transactions to clear … Wife: \"I didn\'t give you clearance for any of those transactions. What you won’t see, however, is all of your old transaction and budget data, ‘cuz it’s time to start fresh. WordTenor Yeah, makes sense now. This is where you have some decisions to make: Simplify Your Accounts. Try it free for 34 days. This is where you have some decisions to make: Simplify Your Accounts. I set up a scheduled transaction for my rent. A scheduled transaction that hasn't yet occurred (hasn't been paid or transferred) will not cause your category to appear negative red (overspent). This will help you budget stay up to date (instead of waiting a few days for transactions to clear your account). The YNAB API does not provide a way for apps to delete transactions. They didn’t need no fancy bank imports. My Institution Isn't Listed. 2. If you stay on top of Steps #1 and #2, it’s seriously easy to do. Here’s how to enter spending yourself in YNAB. Okay, I just did a Fresh Start, that was easy enough. Best Answer. So, since we are all on the same page—let’s do this! A Brief History of You Need A Budget (YNAB) ... You will be able to change the title, hide the category, and delete the category. This is straight up madness as far as I’m concerned and I’m unhappy about this advice being given by support. Having support people actively explain how to do something that is going to cause most new users trouble is alarming to me. ... A discussion subreddit for popular budgeting software You Need A Budget. ✨ Either way, imported transa… KEY FEATURES: Bank Syncing Easily connect all your accounts in one place and import your transactions, so you always have up-to-date information. 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. At least I pay with Debit most of the time, so the transaction should be quite quickly reflected in the bank account. 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. So, YNAB is better for you if you want to budget your savings in currency other than US or Canadian dollars. 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 want to budget the money I have and not forecast the money for the whole month. 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. HappyDance OK, that makes sense. I had to do it from the Budget tab, was trying to do it from the transactions and "add category" menu. It wouldn't have been an issue a month ago, but until I start getting paid again, I'm going to have to juggle where I put money. If you stay on top of Steps #1 and #2, it’s seriously easy to do. I hope that makes sense so far. One option is to link your accountin YNAB with your real-world account—which will allow you to import transactions once they clear. 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. Faness I would love to know the reasoning behind this change in teaching. At least I pay with Debit most of the time, so the transaction should be quite quickly reflected in the bank account. Start your free trial today! Record your income. 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." When the transaction does clear, with direct import YNAB will match this transaction. So it's never going to schedule that transaction again, right? So, YNAB offers you diversity in terms of currency so you can manage your budget in your own currency. (or, when you enter in your starting balances) Give those dollars a job. 1 year YNAB user here. 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. 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. That will help with finding the error! (choose something most similar) Occasionally some funds would appear in To be Budgeted. 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. That’s right. Just for clarification, in case this is an attempt to use the scheduler to budget. 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 can't get that to $0 without screwing up the budgeted amount. You only budget funds (set aside amounts for future use by category) by manually entering them in the budget column. If the transactions are truly upcoming, you should just be able to delete them. A Brief History of You Need A Budget (YNAB) ... You will be able to change the title, hide the category, and delete the category. Put in today’s balances. Just reconcile every 2 or 3 days...takes less than 5 minutes. Then I will re-add the accounts and re-categorize and re-accept every transaction. Create a new transaction and choose the payee you wish to delete (make sure you have no transactions saved under this payee name). WordTenor Thanks for your patience with the newbie. Am I supposed to determine the balance of that account on the data I set the starting balance? [Investigating] We are investigating an elevated number of errors connecting to Citibank where YNABers are unable to complete the OAuth connection process due to a grayed out "Authorize" button. 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). You can edit it just like any other transaction. Is it possible?? 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. You will hide the category moving forward. The basic concept is to have a dedicated account within YNAB for Amazon transations. Thanks very much for all your help and patience! I want to delete them both so they don't schedule any future transactions. Adding Transactions to YNAB. Adding Transactions to YNAB. share. A small annoyance maybe, but I wonder why transactions aren't set to Cleared by default. 5 years ago. Right-click on a category and select delete. 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. If there isn't another recurrence of the transaction on your screen, then you successfully deleted the pesky thing. YNAB is meant to start from right now. Can you explain more about changing the starting balance amount? 1. Anyway, it is starting to come together. 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? I just filled in the budget based on cash available to allocate. There seems to be little value to this month's budget if 10 days of transactions are ignored. 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. Edit the transaction and choose another payee. I pay a certain amount every payday. First, deleting the scheduled transaction. I'm brand new, but I didn't see this anywhere else. If they’re missing, you add 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. I want to budget what I have now, and right now, I'm only have $225 to spend on it. I see, got it. In short, you compare the transactions in your bank account statement to the transactions that you’ve recorded in YNAB. 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.) Let me know if you have any other questions, I'm happy to help! First up, do you really need all of your accounts in YNAB? Feel free to post any news, questions, budget strategies, tips & tricks and advice related to YNAB. In this  example YNAB is warning me that the $25 category balance I have is insufficient to handle 3 upcoming transactions totaling $179.50. Any bank or credit card payments to Amazon can then be set as transfers to this Amazon account. I deleted the transaction scheduled for 3/31. Users will have your back on explaining how to backdate--it really is an "unofficial" workaround, just like the toolkit, making a credit card a checking account, and matching categories to accounts. In short, you compare the transactions in your bank account statement to the transactions that you’ve recorded in YNAB. You can download a file from your bank and drag-and-drop it right into your YNAB account register. If I change the budgeted amount to $0, the available amount is in the red. It can be anything. In a Fresh Start, your accounts are being re-connected and the Starting Balance doesn't import. 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. That's right. Thanks! IMPORTANT! Next Steps. It isn’t a “budget-actuals” budget, so it doesn’t matter what you spent from the beginning of October. If you want YNAB to import these transactions automatically, you’ll want to connect your credit card accounts as well. . 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! When am I supposed to clear transactions? It's going to take some determination and persistence from you to keep it up. What you do when you’re paid is more important than the date itself. I … I Can't Connect. It can be anything. So I have to constantly change my budget amount. What you won’t see, however, is all of your old transaction and budget data, ‘cuz it’s time to start fresh. A small annoyance maybe, but I wonder why transactions aren't set to Cleared by default. (You can delete an uncleared transaction from the Edit menu, but that's because the Delete option is always present there). Choose the transaction you’d like to hide or delete and select EDIT DETAILS. 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. 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 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. All Clear! 2. YNAB allows you to easily reconcile your transactions. I lapsed in keeping YNAB up to date for many months. 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. 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. So I deleted the upcoming scheduled transaction and changed the Budgeted amount to equal the one March payment that's due now. HappyDance kind of. You can do it just like the Pilgrims did. I don't want any more payments scheduled, ongoing. Learn more about bank time here. 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. Manually entering the Starting Balance ensures you have a concrete starting point and balance (instead of, for instance, your first transaction importing days later). 1. There are two ways to import transactions. amazon-ynab-sync. YNAB will ask if you're sure, but you can confidently delete it knowing you're correcting it. If I set the available amount to $0, YNAB bumps up my budgeted amount to the monthly total. 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. Add an account on web (or mobile ). I deleted the upcoming transactions in my register and now YNAB says I've overspent in those categories. At the end of the month? Deleted transactions. But some of my cards had their numbers changed and the payments to those cards create an incorrect balance attributed to the cards. Create a new transaction and choose the payee you wish to delete (make sure you have no transactions saved under this payee name). So, if I change the data of the starting balance, the transactions since that date will load? As soon as they are posted? If your bank isn't supported, you'd rather not link them, or the connection is currently down, don't worry — we got you. You might call it magic. If the account has transaction history, you'll see the Close Account button when you edit the account. These things caused the available about to show as -$225. Password. When you spend with cash, enter the transaction in your cash account immediately on your mobile device. Budget from today forward. Did you record a rent payment for March 1? Save it. Congratulations on taking the first step! As soon as they are posted? Transactions Are Not Importing. 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 )! YNAB will help you break the paycheck to paycheck cycle, get out of debt, and save more money. You do NOT use the scheduler for budgeting into a category. Reconciliation is an important part of budgeting. 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? Yeah, I've decided not to back date. I would like to have $0 available but only $225 budgeted. You will also need to adjust the amount of the starting balance. 3. Direct Import will only provide historical transactions for a couple of months in the past, at most. So, I'd like to just delete that scheduled transaction to stop all the confusing (to me) changes like that. 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. Leave everything else blank except for the date and the payee, and save it. Cleared transactions make up the Cleared Balance at the top of your register. 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. select the scheduled entry, click on Edit, select delete (screen shot below). I Can't figure out how. Melissa Blythe If you have access to a computer, the web-based version will allow you to click on the middle number, "activity,"  to see the transactions. Long Gap in Using YNAB - how to clear all transactions and start over but keep categories. If the transaction was automatically added, use the arrows that appear next to the category name to find and select Hide from Budget & Trends. 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. I'll dig through my transactions. I want to budget only what I already have, though. Ask yourself, “What does this money need to do before I’m paid again?”. You will hide the category moving forward. If they match, you clear them. I'm attaching a screenshot which I hope will help. If the transaction is pending or was manually added, you can select Delete this transaction in the bottom left corner. As such, if a foreign currency transaction is deleted, the corresponding difference account transaction cannot be deleted. But I assume since all I did was delete one upcoming transaction, YNAB will schedule payments for April. It's different than what you are thinking when you think of a budget, and that can be hard to handle at first. If you have budgeted money to a category at any point in this budgets history you do not want to delete it! Logging into the YNAB web app through an Incognito/Private window … First up, do you really need all of your accounts in YNAB? 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. That's how it works exactly. Email. Even if it isn't, it feels like this is always an unnecessary hassle. I absolutely love YNAB but I know a lot of people struggle with the program in the beginning. If you want YNAB to import these transactions automatically, you’ll want to connect your credit card accounts as well. Right now I have $1000 left to budget from my checking account. If you understand the method and you understand cleared and pending transactions, you will figure out how to backdate your starting date easily. Also, my employment ended as of the 1st of October, so now is a good time to start with a fresh budget. 1 year YNAB user here. Did you enter a future expense with a current date? You may have to hunt for that in your account view rather than your budget view. 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. Even if it isn't, it … Save it. The issue that I'm having, however, is that the Fresh Start is as of today. The YNAB API does not provide a way for apps to delete transactions. Like 1. 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Budget is showing ’ t need no fancy bank imports this will help you break the paycheck to cycle., enter the transaction in the Activity calculations too, and right now I have a dedicated account YNAB! Up, do you really need all of your accounts are being re-connected and the memo be! To import these transactions automatically, you 'll clear transactions Using YNAB - how to your... You stay on top of Steps # 1 and # 2, it feels this! Do n't know how to backdate their starting point set up a scheduled transaction to stop all the training! Budget column account immediately on your mobile device do that my budget amount 450. For March 1, but I 'd like to just delete that scheduled transaction my! Which I hope will help you budget stay up to date ( instead of a! That in your account view rather than your budget view is that by funds. Expenditure ( s ) singly or in combination totalling $ 450 in the Activity column until the of. 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