You can even choose to repeat this goal, up to every two years. If your overspending created a red category balance, that means you've overspent with cash. ... As you continue to use YNAB throughout the month you’ll start to see patterns with your spending habits and can adjust your budget as necessary. Embrace your true expenses. If the HELOC were actually a checking account (there are actually products called All In One HELOC loans that handle this but they aren’t available in Texas where I live), then I would attach the credit card to that account and have a budget for that HELOC account and I don’t think there would be a problem. With  (You Need A Budget), an envelope system is employed such that as my income comes in, it is assigned to various categories so that it “has a job” as the developers describe it. Lulamay17 In general, when TBB (To Be Budgeted) is $0 and you need money in some category, then you must move funds from a lower priority green category. I now have hit a dead end and need some guidance. Should I: 1. Telling them they cannot budget for the next 2-4 years is unacceptable. Adjust as You Go. Question > this account would now show a significant balance in it that would continually roll over each month. Keep in mind that every dollar of that TBB you budget is planned debt increase, so don't go overboard! Make a cash account with your full overdraft limit as the starting balance; you won't interact with this account again. The interest rate is generally just a bit above mortgage rates. Thanks. jenmas thanks, I've read about the various risks and negative reviews and am still in the research process. Adding Credit Cards & Debts. Our current documentation for Starting in Overdraft can be found here. I tried changing the balance on the account but it then says I am over budgeted. Thank you. If the category is full, you are clearly not planning to use any of that overdraft money for a future expense. Nolesrule is exactly right! I’m a simple girl and like to keep things simple, so once a month I reconcile the mortgage account. Excellent really. We all have those moments when life gets particularly busy and we don’t reconcile our accounts as often as we know we should. This requires that you add an auxiliary account to represent those funds within the budget. This creates a transaction for the difference in which I type “Market Changes” in the memo. (This may already be in place.). dakinemaui OK, making sense now... so the Overdraft Reserve category has a goal that equals the Scotia overdraft amount and they (Parents) accumulate funds in that category. Most HELOCs cannot be used as direct checking accounts so money must be transferred back to the working checking account to pay bills. There are three types of goals in YNAB: Plan Your Spending, Build Your Savings, andCredit Card goals. Every transaction will result in overspending, with the goal being "overspend less" as time progresses. However, if you enter a transaction, you can categorize it to any category which would take the difference out of that category instead of out of your To Be Budgeted. I tried setting it up as a "line of credit" (seemed appropriate at the time) but then it's treated like a credit card and money transferred ends up in the "credit card payments" section as a negative amount. In the new YNAB, uncovered cash overspending is always deducted from To be Budgeted in the next month. But if I "park" my income in the HELOC, I lose budgeting capability. Below are some examples over the last year of such adjustments: I contacted YNAB support, and they were very responsive. I did forget the actual link to that Help Doc in my first response—so thanks for catching that! Check YNAB's status page for current widespread issues—we may already be on the case! Expenses are fixed: utilities, rent, cable syncing right, the `` debt. 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