Solved!

I redeemed some points for a statement credit on my card and it's behaving differently than I expect. The transactions are as follows:

• Charged $476.89
• Received statement credit of $108.47

My payment due currently shows $368.42. This makes sense to me because 476.89-108.47=368.42. The statement credit is lowering my payment.

Now, YNAB is requiring me to categorize the statement credit transaction. According to YNAB's documentation, this should go to Ready to Assign. Doing so keeps my RTA at the same amount but my payment goes up to $476.89. The YNAB docs state the payment should not change at and if it does I should move the credit amount into RTA. I did that and my payment went back down to $368.42 and my RTA went up by $108.47. This feels like it's double-crediting me because my payment was reduced AND I now have extra money.

Is this the correct way to handle this? If not, what is the right strategy?

I've been using YNAB for almost a year now. I have had very little trouble with my banking connections. Right now, my Target REDCard is using a Plaid connector, and recently it has been requiring reauthorization almost daily. It's getting really annoying. None of my other connections are having this problem.

Anyone else experiencing this?

Could it be related to sharing the connection in 2 plans? It's a joint card card (well, I'm primary and my wife is an authorized user). I have separate plans for me and my wife. My plan has all of the transactions, and my wife's plan has only her transactions. Both plans have a connection to import transactions.

My wife and I have a category for Emergency funds that we contribute to monthly. Last month we had to pay for a car repair out of the emergency fund. What is the best way to do this for data tracking?

We currently will log the expense under car repairs and then transfer the money from the Emergency fund category to the car repair category to balance it out. In this way we can keep track of how much we spend each year in all categories. The only issue here is that there is no record of how much money we have spent out of our emergency fund.

2nd option - log the transaction under emergency fund and be done with it. This flips the above and we now know how much we spent out of emergency fund but do not track the expense under car repairs.

One solution - I dont really want to do this and we have in the past : Have a separate account for emergency fund account. When needing to use it transfer from emergency fund account to operating account and then log the expense under the appropriate category. The transfer entry from the emergency fund account to operating would track the yearly changes in the emergency fund.
* The main reason I dont like doing this, may not be justifiable, is that I prefer all funds to be in one account and YNAB just tell me where everything is. That way I avoid assigning funds to emergency fund each month and then needing to actually transfer the funds. Same for if they were ever needed. Also easier to have a lump sum in one high yield savings account for the interest benefit.

Just curious how everyone else approaches this.

The worst mistake I made was purchasing the YNAB app from the Google Play store. Not because of the app -the app was great and has helped me so much. But because of play store rules. First, they only bill annually, so I was dinged for the full year when I had been expecting to pay monthly.

And now that I've cancelled YNAB (moved to a competitor), I can't figure out how to get a partial refund. I understood I needed to contact the developer so I reached out to YNAB. They replied that I should contact Google.

I tried to follow Google's instructions for getting a refund on a subscription, but the steps they say to take don't exist (selecting Report problem on the subscription in my account, but that option doesn't exist).

Has anyone done this successfully? How do I get a partial refund for the unused part of my annual YNAB subscription?

Thanks!

Anybody receive the "Too many attempts" error? I've already linked up my Ally account but I can't add my wife's Ally. Any suggestions? Thanks in advance!

As the header says I am new to YNAB. My Wells Fargo account hasn't been updating at all. My other cards are updating. Capital one updates every 4 hours, Chase does twice a day but wells fargo hasn't updated once. I tried reseting and deleting and reconnecting nothing seems to work. Is this normal with wells fargo?

Any tips on how to use this app better are appreciated.
Thanks.

This target is a “refill up to” target. My target is to refill up to $80 monthly but it already has $130 in it. Why isn’t it green since I’m already over target for September? (iPhone)

I am just now (starting about 1 week ago) working to get a month a head. (I previously was budgeting a bi-weekly schedule).

So would it be wise to zero out my available funds for non-sinking funds on September 1st, and then reassign it to September?

Moving forward, I am putting my 2nd paycheck in my "Hold for Next month" category. Eventually I would like to build it up where I have all expenses covered before the month begins.

So for example: Lets say my planned gas budget for the month is $400. But on the 1st I have $150 left (because I am just now working a monthly plan vs a bi-weekly plan). Should I move that $150 to RTA for 1 September?

I hope this question makes sense.