Struggling to understand Credit Card debt starting balance
EDIT: SOLVED!!
>The issue is not your credit card account. You currently have zero dollars in your only on-budget cash-based account. Your only accounts with money in them are in the tracking section of the accounts. Tracking accounts are off-budget. You need to set up your accounts as on-budget cash-based accounts, if you want their starting balances to contribute to Ready to Assign.
Hi! I'm just setting up my account on a free trial, and this is round 2 of trying YNAB. I understand the concept of digital envelopes, funding them, etc.
What I'm not understanding (and I've tried to read other related posts) is how my existing credit card debt factors into my plan.
I started with around 15k credit card debt, and around 10k cash in my checking/savings accounts. I'm not going to pay off the lump sum of credit card debt, but it feels like it's preventing me from trying the rest of the software.
My money to assign is showing as zero, so I'm not able to fund any categories with the 10k I have in cash. I tried assigning the credit card payments to categories and now the categories are overspent.
What am I missing?
EDIT: All I have done at this point is linked my checking and savings, linked my AMEX Credit Card, assigned a budget to a few categories, and categorized the payments in on my Credit Card.
