I keep hearing about it but haven't gotten around to it yet. Maybe it will be in the future, but right now you don’t have enough capital to be running it. The fact that YNAB is ignoring their users is why we are frustrated. I created this workflow because it seemed a lot of my travel occurred the last week of the month and I hated that negative money carrying forward to the next month. Second, you remove the ONE feature that solved the biggest headache (reimbursements) and put the problem on your long term plan of things to eventually kinda maybe solve, but not the way it was done when it worked. You almost had me YNAB. YNAB can take the vision of the shore away and just let’s you find small areas of calm while not helping you get to true safety. Then again, if income and expense arrival times conspire against you, that's just the way the ball bounces. YNAB is showing you that in all its orange overspending glory. Elle Jay for me, and what I expect for most, is that it's on a credit card. For many of us we put that onto a credit card, rather than spend our own personal cash. If To be Budgeted is $0.00 in the current month, and you have money budgeted in the future, if you add another $200 to Auto Maintenance in this month’s budget, To be Budgeted will remain $0.00 in the current … Basically in the old YNAB you could budget $100 to a category, spend $125, and then carry the -$25 balance over to the next month. In short, they are only partially buffered. Right now I have large purchases that are financed and I have to go back to the original month of the purchase to be able to make adjustments to the debt owed. If you weren't already using it that way, that is your misunderstanding of the instructions on how to use the software. A general purpose Qustodio Parent Portal enhancing browser extension for Chrome and Firefox. But the "strict" ways of YNAB did teach me to build in some more security (including for the early bills), before using it all to pay extra on the mortgage. We pay those, and are reimbursed by the the estate. Did you look into and find an alternative? dakinemaui totally aware of this, and that means it's not credit card float, it's just rolling with the punches. They pay the CC more than needed and/or have too much cash tied up in the Payment category -- the very cash they need to avoid overspending. This is why we are all a month ahead in our budgets. Budget $X to the category as a one-time setup (establishing the offset). It creates a more accurate assessment of my true situation. However, it's usually fixed pronto. How are these large purchases financed? I wanted to be up front and let you know that we don't plan on bringing back the red arrow—but we are looking into ways to improve reimbursement handling in YNAB. I just want the option for how to handle it myself. Also, I'm retiring at the end of the month so I won't have work travel anymore anyway! I'm aware it's the float, blah blah blah. But that horse has been beaten into quarks by now. Yes. We fight the battle and improve. My wife and I also have "slush funds" - basically, our "fun money" we can spend on whatever we want. You can make it carry over by right clicking the little red negative category balance. If I don't get everyone's checks before the end of the month, that over spent balance disappears completely. If expenses are not on a CC, you might be able to convert them by covering the Reimbursement category with the cash from the CC Payment category (from other budgeted purchases that will show up on the same or later CC statement). Every new month is another pick of the scab. Now see by sharing that I'm sure I will get everyone saying how horrible I am for allowing that. (Unless that gap is supposed to be $0, then it's pretty obvious when it's not.). Get them to not be precarious. At least OP is better off than a person paid at the beginning of the month, which requires saving an entire month's income to be fully buffered. If so, that isn't correct, either... TheMadTurtle You are fudging the numbers when you negative budget in a category. 1. On the other hand, using it so you spend less in a future month is just not being honest. To try to spell this out a little simpler here's what happens: Make purchase on CC, which shows up over spent in category. I'm trying mvelope, but I've heard there's similar issues, goodbudget I'll try it too and keep looking for others, I'm not looking forward to all the work with these trials and experimenting. Now that compromise has ended, I guess it's time for a divorce. I don't quite follow... Brandon YNAB4 has an income category called Income for which allowed you to push money into the next month, effectively walling it off. Pink Piccolo YNAB4 works fine on a Mac once you patch the Adobe Air runtime. The budget numbers all blend together in my view. The answers to those two questions would reveal if anything I have to say can help. So in the new version, the default is that you have to follow the method. Just about every month, at the end of the month, various bills are due, and when those bills are deducted from the account can vary by a few days, and I don't have any control over this. See this: Pink Piccolo You can also get a refund on your unused portion of your nYNAB subscription if you choose to cancel. All of YNAB's support employees sticking to their guns on the red arrow is arrogant crap! Maybe you're saving for a vacation, pay a bill twice a year, or you’re planning for Christmas (hint: It comes in December this … I would rather do that, than all of a sudden remove all my money from all my other  categories to cover a crash, which then makes it look like I have little money to do anything, which I already know is the case. How is that better? It makes reimbursement expense tracking harder if moves are unrecorded. Maybe it exists and I didn't find it or there is another way to do it; if not, consider this a feature request ;) I have a category "Computer Games" and every month I budget 10$ and it accumulates and then I have enough money to buy something and everything is fine.... Now let's say I have just emptied my savings for computer games and now there is a sale for … I put work expenses here and other thing that with be paid back to me. There isn't $50 in that envelope, there is $100, because there are two months worth in there. The things they had in the software which were leftovers from the software being more of a spreadsheet and/or about debt management enabled people to dive in without ever touching the YNAB method. The simple rule is that if it turns green, move the excess. 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