If you're going to WAM (one-off adjustments), just ensure BIF/TBB = $0 before starting and after finishing. I've had periods where I could in no way fill out the whole month on the 1st, but thankfully I'm not in one of those periods right now. Since categorization put it into the category, something has to happen with the categorization in order to pull it out or else reports are useless. Kroneg the only way to get YNAB Classic for an iOS device is through your purchase history. You'll also notice that your Budgeted amounts are set to $0 (if you didn't budget in the future).When more income is added to your budget, you can give every dollar a job until your To Be Budgeted balance is $0 again. Suddenly I have $7.51 budgeted to next month, and huh??? In September, the first pay check i'll be getting is on the 5th. :-) The template is simply your nominal numbers for the month. (If you put it in via a budget action, pulling it out via a budget action also works. I suppose it is safer to remove the feature for new users, because if you aren't careful you can get yourself into a pickle - but ultimately I think you should be able to make those decisions for yourself. It’s July. I kept the emergency fund alone and instead built up on the side. For those who are new here, the tool we use … It puts it into the TBB for the current month, and I budget it to the Income for Next Month category in the current month's budget. Superbone Yes, after emptying the single INM category prior to budgeting the month, it's conveniently empty and ready to accept newly arriving income. The reason is that YNAB still allows you to categorize and spend those funds this month, and unless you go to next month's budget, you would never know … I’ve recently returned to ynab and I’m currently doing both ynab4 and new ynab, the free trial, to compare them so I think I get what you’re saying. So it might not be a quick thing to get a month ahead, but if you stick with YNAB, and really commit to it, this can happen eventually. I don't. This methodology is forcing me to tap into buffer funds that I have without realizing the impact to my total net worth that these spending decisions are going to make. That is why I said "perceived". Some people want to move to next month's area and negative-budget to release the category. So fresh budget with starting balance and my paycheck. though, mine isn't). If you have all of this month's categories covered, and are just waiting for your money to come in, then you can budget the scheduled transactions for income money into a category called Income for Next Month. With the old way YNAB worked I was able to PLAN for my expenditures based on that income and see it reflected in the budget immediately. I tried last night, went through my ENTIRE purchase history (shiver) and the only YNAB version available is the current one. You can use the forward arrows to dive into next month’s budget and start funding categories, or you can set up a category in your budget called “Fund Next Month” with a goal set to the amount of your monthly expenses. You can still benefit greatly from using YNAB even before you are able to live on last month’s income. Still, the best practice is to budget next month with this month’s funds. If I look at August in YNAB I simply see that my To Be Budgeted category is  deeply in the red despite those scheduled transactions coming in. In time, you won't consider any of this money "extra", as every penny has a purpose. (The use of Goals to implement a template budget is unacceptable to me because I do WAM during the month, resulting in yellow categories -- yuck. When it's August, the inflated categories you're looking at will be in the then current month (August). I 100% do not want to steal from the future I want to plan for it. I just don't see the point of pretending otherwise. A holding category, deferred income (however one says it) does not work in a similar manner to "Income next month". YNAB has built-in tools — Scheduled Transactions and Goals — that will help you plan for this month, and all the months to come. The fact there are budget entries next month mean they will suck up anything that would ordinarily go to the current month's TBB (e.g., when WAMing). There's an easy way to manage projected income, but only if you were using Income for feature in YNAB 4 for all your paycheck income and also don't need to rely on non-paycheck income to fund your budget. Reasonably, you can choose to have normal categories backed by cash in hand, which therefore mandates that part of your "buffer" isn't real. However, when you have to add a category or get a bill increase, the template makes it easy to adjust other values or timelines to compensate. Find the “Just Right” Amount of Categories. I just use the Quick Budget underfunded and budgeted last month features and then make a quick once through and make adjustments. Additionally, the balance of INM is the remaining income you need/expect. There will simply be a certain level of importance or priority associated with everything for which you're saving (category). As you build INM, just add more budget entries to the template to consume the additional money. Doing it this way creates the sense of stability I need. It takes all of 5 minutes at the most. It just seems like you're overcomplicating things for limited benefit. Question: once you budget for next month, if there’s money left over do you put it back into INM? If you have an Android device, there is some link floating around the forum that will allow you to load it. Thanks for your engagement in the thread, very helpful! Those are funds, and yes, they would carry over to the next month. Not being able to get this right is actually almost causing me to fall off the budgeting bandwagon. (Either version, for that matter.) There are a couple ways to put money into the category as well as "release" them. In the screen shot above, I have added $1,000.00 to my budget for this month and have budgeted $1,000.00. I also want to make sure I’m not spending more of “July’s money” than the total monies will receive in August - hence why I plan August’s budget with August’s income despite the fact we are really spending July dollars. You Need a Budget combines easy software with Four Simple Rules to help you quickly gain control of your money, get out of debt, and save more money faster! I've tried a variety of different methods with an open mind, often making myself live with process for a few months as I test them. (*) One useful tip for working with the template is to negative-budget your expected income in INM and work toward Budgeted In Feb = $0. You should figure out what you want to do with that money in your budget, because your income is greater than the needs of your budget. There is simply no need to budget income you don't have. From that $3k I populate all mandatory categories. However, YNAB has done "something" to the old app so that "YNAB Classic" is not available to everyone. I'm struggling with how to get this to work in the online YNAB. I've advocated and put in a feature request for a template goal type that doesn't complain when you move funds around after the initial application like the current Monthly Goal does. I remember when it transitions to a monthly service. The easiest way around this is to get one month ahead on your budget (meaning you have one month salary available at all times). This budgeting software offers a lot of amazing features – it safely syncs to all of your bank accounts, updates in real-time so you can track and manage on the go (even from a cell phone), includes debt paydown and goal tracking tools, and offers some great reports and analytics on income and expenses. There is no support for marking income not available for the current month in order to use it for next month while keeping the current month TBB at zero. If your buffer is listed in your accounts, couldn’t you pull 5000$ from your emergency fund and call it income for August, then as real money comes in, make it income for September? This month, for the first time since using YNAB (almost a year), we had to borrow from next month's income to handle some car repairs. Yeah, that’s against the YNAB philosophy and they don’t want you doing that. I like this one the best: I created a Master Group and a subcategory for next month's income. dakinemaui Quick question as I'm about to implement this approach. But it costs $84 per year. Move forward a month and ensure TBB = $0 (will be necessary if you've made progress, so yea!). This would allow me to fully fund all the necessary categories I needed to and make adjustments to not-so-necessary categories so that I don't overspend. The real hangup I have is that while I have the financial ability to COVER those extra categories based on my buffer, YNAB provides no feedback as to the IMPACT those decisions will make. Everything should be made as simple as possible, but not simpler -Albert Einstein. 1) Release funds by recategorizing transactions as TBB. This is why I personally prefer the Goals/Scheduled transactions/Last month's numbers Quick Budget method. I also don't want it to accidentally mix when WAMing during the month. All are valid uses of this "extra" money. There are aspects of ynab that are very hard to achieve with msmoney and other software. Make sure that you delete this budget entry when Feb arrives; it's only used in the template. Basing spending decisions on inflated categories is most definitely not recommended in either version. However, it's your foot. Previously, YNAB4 would allow me to budget from this future income in August. A template answers the question, "what are you going to do when you budget?". I know I’m getting paid in August. Switch back to this month, and the money is still gone from your TBB amount. Schedule Future Income Transactions. I also have excess as a buffer and I like pre loading categories for next month. YNAB 4: Live On Last Month’s Income. So lets say in YNAB Budget September shows $4000 "available to budget". In the end, the total of the template must not exceed your stable monthly income. For example, I know that I am going to receive $5,000 salary in August. 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