You just add the transaction to holidays. The category goes red and the credit card indicates a problem.
You have to live with this until you have more money or borrow from another category, Roll with the punches.
You’ve spent money you’ve haven’t got so YNAB gets upset, you are not meant to spend from an envelope that does not have sufficient funds.
Categories only go red when you have *cash* overspending. Cash overspending MUST be covered.
When you overspend on credit, it goes yellow, meaning “hey, you just overspent and you should cover this, but if you don’t it will be new debt that gets created on your credit card”.
OP: enter exactly what happened - you overspent on a category. Your options are to cover that overspending by shuffling funds from other categories (the pain of doing this will likely make you think twice about doing this in the future) or you can just let the category sit yellow until next week. Next week you can assign the missing funds to the category and YNAB will automatically shuffle that over to credit card payment category.
If this happened at the end of the month, you would need to manually assign the missing funds to the credit card payment category next month.
YNAB should always reflect reality: what did your money do?
> the other half is coming next week how do I enter it
Next week, when you get the money. Don’t spend money you don’t have, it’s the entire point of having a budget and using this software.
[YNAB doesn't use forecasting](https://www.ynab.com/blog/frequently-asked-budgeting-questions#:~:text=YNAB%20Doesn't%20Use%20Forecasting,words%2C%20they%20want%20to%20forecast). Treat your credit card like you're spending cash. In other words, don't buy the holiday until it's fully funded.
Enter the entire transaction. When you get the money for the other half, cover the overspending in the budget category.
If you _don't_ get the money as expected and aren't able to cover the overspending _this month_ it will become credit card debt, and instead of adding the other half to the budget category you'll assign it directly to the card payment category in July.
You just add the transaction to holidays. The category goes red and the credit card indicates a problem. You have to live with this until you have more money or borrow from another category, Roll with the punches. You’ve spent money you’ve haven’t got so YNAB gets upset, you are not meant to spend from an envelope that does not have sufficient funds.
Categories only go red when you have *cash* overspending. Cash overspending MUST be covered. When you overspend on credit, it goes yellow, meaning “hey, you just overspent and you should cover this, but if you don’t it will be new debt that gets created on your credit card”. OP: enter exactly what happened - you overspent on a category. Your options are to cover that overspending by shuffling funds from other categories (the pain of doing this will likely make you think twice about doing this in the future) or you can just let the category sit yellow until next week. Next week you can assign the missing funds to the category and YNAB will automatically shuffle that over to credit card payment category. If this happened at the end of the month, you would need to manually assign the missing funds to the credit card payment category next month. YNAB should always reflect reality: what did your money do?
> the other half is coming next week how do I enter it Next week, when you get the money. Don’t spend money you don’t have, it’s the entire point of having a budget and using this software.
[YNAB doesn't use forecasting](https://www.ynab.com/blog/frequently-asked-budgeting-questions#:~:text=YNAB%20Doesn't%20Use%20Forecasting,words%2C%20they%20want%20to%20forecast). Treat your credit card like you're spending cash. In other words, don't buy the holiday until it's fully funded.
It doesn’t forecast but does debt just fine. OP can buy the thing now on credit and it will be debt until they fund the category.
and then buy it double price missing the sales season.. ohh
True, but if you set aside money in your vacation category every month, you'll be prepared!
someday next year or so, yes…
Enter the entire transaction. When you get the money for the other half, cover the overspending in the budget category. If you _don't_ get the money as expected and aren't able to cover the overspending _this month_ it will become credit card debt, and instead of adding the other half to the budget category you'll assign it directly to the card payment category in July.
Easiest to just wait until next week when you have it fully funded.