Mvelopes received a rating of 4 from ITQlick team. We are aware of the problem and are working on a solution. UPDATE on Sweeping: I discovered that is really not necessary to "Sweep" like I used to do in Mvelopes. This is just like having a saved funding plan in Mvelopes. I promise, once you figure it out and accept it's a new system, it is magnificent. In YNAB, I still assign it to a category for reimbursable expenses, but I fund the overspending with money from savings (again, the money has to come from somewhere until you get reimbursed). In Mvelopes terms, you are sweeping and funding in real-time, which I think gives you a better picture as to where you stand financially. I found the answer I needed to carry over the negative category. I pretty much set them up exactly the same, eliminating the “junk” envelopes I had created in Mvelopes to fix issues with account balances and in the inability to delete transactions in Mvelopes (Yuck!). We have begun re-introducing Mvelopes 5 for existing users and will be updating our Android app next week. NOTE: When I first setup my credit card, I had used the reconciled balance feature to adjust for transactions already paid. I had no idea where this number was coming from. What I have done so far to try and mimic a funding plan... 1. I started using YNAB in October. Because money hasn't been immediately removed from your bank, you can let that overspending sit for a short time while you wait for your friend (or sister or boss) to reimburse you. Wait until you actually have it before hitting the Underfunded button in the new month's area. This fixed YNAB's total calculations. I set up the funding plan for each month. This was a big mind shift for me as well. Sorry, this is less about keeping the old model from Mvelopes and more about being able to manage the budget from the phone. Still can easily be done by selecting the categories you want, and selecting the quick budget Set Available to $0.00, and then moving from TBB to whatever category you need, but I really liked the sweep feature. I originally had everything setup as "monthly" goals, but once I realized how the "underfunded" option works when using Quick Budget to fund the next month, I realized that if I changed the goal type everything funded exactly the way I expected. Either partially fund when paychecks come in or leave in “To Be Budgeted” until the end of the month and then fund. Create & track support tickets, Discover Knowledge base articles, Get help. Frequently asked questions. Like I said earlier, one of the big things with Mvelopes is that those don't enforce this rule. I use Capital One and I have re-authenticate myself every time I want to import transactions. When you use the quick budget, you can choose all categories (the default) or select individual categories or choose a category group to fund those categories all at once. Categorizing as TBB skews report totals. Your Bills, Your Spouse's Bills). Help Center. That can lead to some pretty serious problems with your finances. You still have to approve the incoming transactions, but I like this feature because if I don't recognize an expense, I can ask my wife if she recognizes it. Once you complete a full month and start a new month fresh, it should be okay. It appears to me that this will act just like the funding plan did in Mvelopes. expenses that we incur that are reimbursed by our employers). If you spend more than your available balance, it'll say you overspent. And OMG, I discovered auto-assignment rules! My wife usually adjusts the budget and prefers to do it on her phone. Personally, I think the partially funding all categories is the better option. And the true nirvana is budgeting a month at a time with a whole month's worth of money. for reimbursements, are you saying I should assign it to the reimbursement category in the scheduled transaction? He has some great intro type videos that helped me immensely in understanding how this works. I was used to saved budgets and funding plans in Mvelopes. Then I know that our monthly income has been allocated correctly and the actual budget amounts are the "funding" idea that I'm used to from Mvelopes. If you run it before the end of the month, it doesn't work as expected because YNAB thinks you are budgeting in the future and doesn't know how much you have available yet (since the month has not yet completed). Today I use a product called “Personal Capital” to track retirement accounts and investments but if I can do this in YNAB, or at least see the balances, that would be great. This is where goals become very useful. It works flawlessly with YNAB. 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