The Fresh Start feature does some things well, and some things that won't be appropriate for every situation.
1. Existing accounts and categories are kept (good)
2. Existing account balances are kept (good)
3. Budget balances are eliminated (good for some situations, bad for others)
4. Existing transactions are eliminated (mostly good, but people who enter future dated transactions need to be careful)
5. Existing credit card balances create new Pre-YNAB Debt categories (good for debt you're paying down, clumsy for paid in full cards)
The point of this post is not to discuss the Pre-YNAB Debt categories, but I want to mention that the philosophy for these is well developed and they should work to enable a user to deal with the case of a Continued Use Credit Card as well as an Old Debt Credit Card. There's a lot more to be said on that, but in this post I want to talk about Paid in Full Credit Cards.
The way Fresh Start is designed assumes that any credit card balance is a balance that is carried from old debt. The concept is that when you budget dollars to the Pre-YNAB debt categories, you reserve those dollars to pay those cards. The actual payment is then a no-category transfer from the paying account (usually checking) to the credit card. It all works out properly in the mathematical and accounting sense.
The down side is, if you habitually use cards that you pay in full, you have these useless Pre-YNAB Debt categories sitting in your budget. It will take me less than 10 seconds to budget those categories to zero, reducing my Available to what the Available really ought to be. Then I either live with the old unused categories on the budget screen, or hide the categories and have the clutter of hidden categories.
There is a better work around. For the situation of having Paid in Full Cards, and having sufficient funds on hand to pay them in full at any given time, the extra categories can be avoided as follows:
1. Do the Fresh Start
2. For each PIF card, edit the opening balance transaction to change the category to Income Available This Month.
3. Delete the Pre-YNAB Debt master category and all its subcategories, which should have no transactions at this point.
This will leave you with Available equal to your net cash, i.e. the sum of your on-budget accounts. You are now free to budget that Available as appropriate, even if that means simply copying the budget balances from your prior budget.
A further refinement that some users may want would be to edit another opening balance transaction to split off the appropriate amount of Income Available Next Month.
I've had some discussion with the development team on this subject, and I have high hopes that in the future we will see an archive function
that keeps existing budget balances and transactions from a user specified month forward. When that feature rolls out, the appropriate workaround would be to use the archive function starting from the end of last month.