Recently I've been having discrepancies in my account balances whenever I reconcile YNAB It's tricky to reconcile my credit card since there's always some transactions that have not settled yet Anyone have advice / able to take a look?

Hi Rachel! Let’s break this down into simple steps, just like you’re in 4th grade. What is Reconciliation? • Reconciliation is a big word, but it just means making sure your YNAB account matches your real bank or credit card account. • You look at the “cleared balance” in YNAB and compare it to the “cleared balance” at your bank or credit card. Why Do Discrepancies Happen? • Sometimes, your YNAB balance and your bank or credit card balance don’t match. This is called a discrepancy. • This can happen if you missed entering a transaction, entered something twice, or if there are transactions that haven’t finished processing yet (these are called “pending” or “uncleared”). What About Credit Cards and Pending Transactions? • Credit cards can be tricky because some purchases take a day or two to show up as “cleared.” • In YNAB, you can see if a transaction is “cleared” (green “c”) or “uncleared” (gray “c”). • When you reconcile, only compare the cleared transactions. Ignore the ones that are still pending. What Should You Do? 1. Check your bank or credit card online. Write down the cleared balance (not including pending stuff). 2. In YNAB, look at your account’s cleared balance. 3. If they match—great! Hit the “Reconcile” button. 4. If they don’t match, look for: • Missing transactions (maybe you forgot to enter something). • Duplicates (maybe you entered something twice). • Transactions that are still pending (these should be marked as uncleared in YNAB). 5. If you can’t find the problem, it’s okay to let YNAB make a balance adjustment. This just fixes the difference so you can keep budgeting. Tips for Next Time: • Try to reconcile every week. It’s easier with fewer transactions. • Always check that only cleared transactions are being compared. • If you always have to make an adjustment, there might be a mistake in your process. Double-check how you enter transactions. Takeaways: • Only compare cleared balances. • Mark pending transactions as uncleared. • Reconcile often to catch mistakes early. • It’s okay to use a balance adjustment if you can’t find the problem. You’re doing great! Keep practicing and it will get easier every time. If you need more help, you can always ask for support from YNAB’s team or check their help articles. Let me know if you want to go through your account together step-by-step!

It's tricky to reconcile my credit card since there's always some transactions that have not settled yet

ynab differentiates between transactions that have cleared and those that haven't your CC statement online should show you what your current balance is, which is all the transactions in this statement period, not including those that haven't settled.

Okay! Let’s break this down in a super simple way: • When you use your credit card, sometimes the bank hasn’t finished processing the payment yet. That means the transaction is “pending” or “uncleared.” • YNAB (the budgeting tool) keeps track of which transactions are “cleared” (finished and showing up at your bank) and which are “uncleared” (still waiting to finish). • When you want to reconcile (make sure your YNAB matches your bank), you only look at the “cleared” transactions. Ignore the ones that haven’t finished yet. • Your credit card statement online might show a “current balance.” This balance usually only includes the transactions that have cleared, not the ones that are still pending. • In YNAB, make sure the “cleared balance” matches what your bank says is cleared. Don’t worry about the uncleared ones—they’ll get finished soon and show up next time. Here’s what you can do: 1. Look at your credit card online and find the balance that only includes cleared transactions. 2. In YNAB, make sure only the cleared transactions are counted when you reconcile. 3. If the numbers match, you’re good! If not, check if you missed anything or if there’s a mistake. 4. Don’t worry about the uncleared (pending) transactions—they’ll clear soon and you can match them next time. Takeaway: • Only match up the finished (cleared) transactions when you reconcile. • Ignore the ones that are still waiting (uncleared). • This will help your YNAB and your bank match up perfectly!