YNAB You Need A Budget

[ginwoo]

I haven't been active on the forums lately...My new assignment has me very busy so I've gotten rusty in my YNAB topics... Need help on two separate issues

1) Had a dental expense of $800.00 paid for it with CC. I have $640.00 in my Dental category so I need to pull the $640 from Dental to pay the CC.. So do I: -640.00 from Dental budget category and then add 640.00 to the MasterCard category on my budget so that when I make the actual payment from my checking account it balances? If not, what should I do?

2) I have an on-budget savings account with 20,000.00. I transferred $2000.00 from that savings account to an off-budget checking account (belonging to DH) so he could purchase gold/silver for me. I don't know how to record the $2,000.00 withdrawal without messing up my budget. I have thought I could show an entry of payee "Household Checking" but if I use a category of miscellaneous - my budget becomes a mess of red numbers. Not sure what to do to avoid messing up the whole budget. Thoughts?

Thank you for your help! I appreciate it greatly. BTW I am using Desktop YNAB 3.

[Budget_Ninja]

1) Had a dental expense of $800.00 paid for it with CC. I have $640.00 in my Dental category so I need to pull the $640 from Dental to pay the CC.. So do I: -640.00 from Dental budget category and then add 640.00 to the MasterCard category on my budget so that when I make the actual payment from my checking account it balances? If not, what should I do?

Is your CC on budget? If so just record the expense on the CC register against the Dental category. No need to do anything in the budget (besides perhaps shifting more money into it to cover the $160 shortfall.) If the intent is to go into debt for the short fall, reduce the CC budget category $160 and apply it to the dental category.

2) I have an on-budget savings account with 20,000.00. I transferred $2000.00 from that savings account to an off-budget checking account (belonging to DH) so he could purchase gold/silver for me. I don't know how to record the $2,000.00 withdrawal without messing up my budget. I have thought I could show an entry of payee "Household Checking" but if I use a category of miscellaneous - my budget becomes a mess of red numbers. Not sure what to do to avoid messing up the whole budget. Thoughts?

Where is the $20,000 budgeted to now? The $2000 should come out of that/those categories.