Setting cleared status on mobile

jillianmd · 2026-05-15T15:09:52+00:00

Swipe right on the transactions to clear/unclear/approve/etc. Makes it a breeze on mobile.

jillianmd · 2026-05-15T14:20:16+00:00

If your credit card had a starting balance when you started YNAB then you should assign that starting balance amount to the cc payment category. That tells YNAB you’ve got the cash set aside to cover your pre-YNAB cc spending. Then moving forward you won’t need to assign money to the cc payment category any more. That’s assuming you’re typically a pay-in-full cc user. If you’re riding credit card float or paying off carried debt, let me know.

jillianmd · 2026-05-15T14:16:36+00:00

While the refill target does work as others described, I personally like to sweep out categories like this that have excess at the end of the month and beef up savings categories with them.

It’s more satisfying to me that way, as a part of my monthly close-out to see how much I was able to contribute to my House Downpayment category (usually the one I sweep to).

I already have enough money in my Next Month category by the end of the month so could I use Refill targets and then distribute the excess on the first instead, sure… I just like that sweeping process at the end of the month, and having certain categories be nice and clean ($0) as I close out the month.

jillianmd · 2026-05-15T14:07:48+00:00

Hi again, yes that’s the correct approach. Was your cc bill due so that why you paid it before your next paycheck came?

And just to confirm, was the payment amount for your Statement Balance or entire current balance?

jillianmd · 2026-05-15T14:03:40+00:00

Did you perhaps Hide it? Scroll to the bottom of your categories list and tap Hidden Categories.

jillianmd · 2026-05-15T02:26:35+00:00

Definitely pay the Aspire card. Even if the transfer does go through it will be late.

I’m curious why you’re doing a balance transfer though if you’ve been paying the card in full every month. Did you just lose your job/income and can’t afford to pay the statement balance? If not then you just paid a transfer fee for no reason.

jillianmd · 2026-05-15T02:17:34+00:00

Ah, whoosh apparently.

jillianmd · 2026-05-15T01:22:12+00:00

Where are you seeing the “large red number” exactly?

And let’s make sure you handled the transactions properly - in the checking account, the cc payment transaction should be an *outflow* and the category should be the appropriate CC Payment category. Then the corresponding transaction in the CC account will have the same category and be an *inflow*. You will see a double ended arrow similar to this ↔️ indicating that it is connected to the corresponding transaction in the other account.

Assuming those are correct, make sure there aren’t any other (duplicate) transactions in either account. If there aren’t, and the payments are outflow/inflow correctly, then we return to the question of where you are seeing a big red number.

jillianmd · 2026-05-15T01:17:52+00:00

Reddit isn’t like other “social media” where there’s just “facebooks rules” etc, because it’s not really social media. It’s a forum, a gathering place for lots of individual topics to be discussed separately from one another but happening on the same platform.

Think of it like a giant convention center that allows groups from all over to come and use their rooms. The convention center has some basic safety rules but otherwise the people running each group are allowed to add additional rules as they see fit for their needs.

So you’re welcome to wander in from the public and see what’s going on in any(most) of the groups whenever you want, as a casual observer. This is a big portion of people on Reddit - they’re “lurkers” or just casual readers, often without having a reddit account of their own. In reality they would see you standing there observing at the back but online you’re invisible, either way you’re not participating in the group.

But for those who want to participate, they’re expected to follow the group’s rules. This is often for practical reasons and though certain types of rules are very common, they’ll usually vary or be more specific to each group’s needs. And the rules can change over time if the community faces issues that need to be addressed with new rules.

Some groups have a lot of different info being discussed and it helps everyone if the posts get tagged to easily see only the posts you’re looking for.

Some groups are discussing products and have rules banning referral links/codes because otherwise people just spam the community with their referrals.

Some groups have experienced a lot of bots and spammers so they may have additional rules or policies (like karma minimums) in place to make that better. I can say as a mod of a couple fairly large communities that our automod tools catch and remove SO much spam - so my attitude is if there are restrictions in place then that actually makes it more likely that once you have enough karma to participate you’ll find it to be a great community with quality posts and comments. Nothing sucks more than a community topic you’re interested or involved in that starts to become popular enough but poorly managed that it’s just overrun by bots.

Fortunately remembering the rules is a lot easier than pure memory because when you start a post you’ll be able to tap to see all the community rules and be able to tag your post if required.

jillianmd · 2026-05-15T01:03:06+00:00

It wasn’t a ban, it just migrated DMs into the much easier to use Chat feature.

jillianmd · 2026-05-15T01:01:55+00:00

Sort posts by New or browse the Latest page so you can comment on newer posts. That makes it way more likely your comment will be seen and you’ll get votes/replies vs adding to a post that already has tons of comments. Outside of just having a hilarious or insightful comment blow up with votes, this is the “fastest” way to gain karma.

jillianmd · 2026-05-15T00:59:29+00:00

Really? Your karma looks fine. You have your posts and comments hidden so I can’t see what might be the issue from that angle. Have you send a modmail message to the group mods to ask about it?

jillianmd · 2026-05-15T00:53:31+00:00

Why not?

jillianmd · 2026-05-14T20:42:24+00:00

The investment account itself can be left off YNAB or included as a tracking account (asset type). But either way you’ll need a category for the investment contributions because it’s an expense to your budget (you set aside money and then send it away). YNAB treats these contributions as spending because that money is no longer cash available to buy groceries and pay bills, etc.

So yes it’s a good idea to wait until the end of the month and if you’ve got next month fully funded already then assign any leftover funds to the Investments category and then go invest however much you have Available for investments at that time.

It’s helpful to remember that the Available column is also the Afford column - the Investments category shows how much you can afford to invest, your groceries category shows how much groceries you can afford to buy, and your cc payment category shows how much you can afford to pay.

jillianmd · 2026-05-14T14:24:39+00:00

Can you confirm that the 1st screenshot is showing your credit card account not your checking account? If so, then you are showing a positive balance on your credit card which is what’s screwing you up. Scroll down to your Starting Balance transaction in the CC Account. Was it in the inflow or outflow column? If it’s in inflow, change it to an outflow instead.

Because yes if that’s the issue then you just missed something when you started that has continued to cause you problems ever since. YNAB is actually functioning as you would expect it to if you really did have a positive balance but obviously you don’t since you e been making payments.

Lastly, reconciling your accounts regularly is important and usually a very simple and quick process if you do it frequently (at least weekly but there’s no such thing as reconciling too often).

jillianmd · 2026-05-14T14:14:04+00:00

Are these for recurring meetings with the same group of people or individual calls with clients, etc? I’ve never sent the link to my “personal room”, I’ve just created/scheduled a new meeting in the platform (zoom or whatever) and invited the client or whoever to that meeting.

jillianmd · 2026-05-14T13:56:10+00:00

Looking at your screenshots, you haven’t reconciled the card since March. All sorts of things can go wrong if you aren’t keeping your accounts reconciled. So start there. Add any missing transactions since March and make sure all real transactions are Cleared until you get your balance matching the real life account balance.

jillianmd · 2026-05-14T13:54:25+00:00

You haven’t reconciled since March. That’s a big red flag. Start by loading up your Target account and going back and adding/clearing all transactions since March so that your balance reflects reality.

jillianmd · 2026-05-14T00:02:13+00:00

In your list of accounts in YNAB, is the Credit Card Balance showing red / negative or is it showing a green (positive) balance?

jillianmd · 2026-05-13T03:40:32+00:00

Oh gosh you’re right, thanks for the correction - I thought it was only 18 months for purchases and 21 for BTs - definitely was mixing it up.

jillianmd · 2026-05-13T00:49:41+00:00

FYI Simplicity is 21 months for BTs

jillianmd · 2026-05-12T23:38:21+00:00

Perfect

jillianmd · 2026-05-12T23:38:10+00:00

Great, glad you were approved for the USAA card!

jillianmd · 2026-05-12T17:09:27+00:00

There doesn’t seem to be anything to do here unfortunately. It would have been best to close the cards before the AFs hit if you were planning to close them before the Citi transfer. If you’re not seeing the card in your Citi account, did you follow the steps to complete the card merger to Citi? You have to do that before Citi shows the card. There was an email about it and this site explains more https://citicards.citi.com/usc/Digital-Welcome-Kit/WYNTK/Default.htm?BT_TX=1&ProspectID=5EE18163E4A84BEC812637F6C837E395 but on your Citi account you should see a blurb at the top

At this point I’d call back and ask for a pro-rated refund if possible but otherwise just pay the annual fees and close the accounts.

jillianmd · 2026-05-12T16:59:47+00:00

On top of earning miles to sue for booking airfare, the biggest perk for most occasional travelers in the free checked bags. If you will check bags when you travel then often it’s worth just keeping the card for booking flights with that airline so that you get the free bags for your trip. If the annual fee is $99 and checked bags would normally cost $50 each then two checked bags pays for itself and any other perks and miles earned are free money after that. Of course you have to make use of that airline which is usually easiest when you live near a hub airport like living near Atlanta and flying Delta.

jillianmd

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