I've been using YNAB for a while now (& have just installed the YNAB4 trial, although I'm fairly certain that's not especially relevant to my question) and I love it. There is one thing that I would be interested in doing that I haven't been able to figure out on my own, and all the excitement of the launch led me to finally jump into the forums and see whether anybody had any suggestions for a workaround, since I'm pretty certain at this point there's not a way to do it in YNAB as it stands.
Take, for example, my grocery budget: we budget a certain amount--let's say $300--each month. That's my aim, and it doesn't matter to me terribly much what it's spent on in terms of the budget. However, I am interested in TRACKING how much of that $300 has been spent on different sub-categories--say, "cleaning supplies", "snacks", "fruit and vegetables", or "essential ingredients". It's not that I have a specific limit on those categories--but, for example, if I go over my budgeted amount overall, it would be nice to be able to go back and analyse my spending in this way.
There are two solutions I have thought of, but both seem to be quite clumsy and it's not important enough for me to go to the trouble at this point.
1. Budget the $300 to a 'grocery' category and move the money to the relevant category once it has been spent.
2. Track it in the memo field and go back and analyse it manually if I have the need.
I could track it elsewhere--I was using another website for a while--but it would be awesome if there was an easy and clean way to do it in YNAB. Open to suggestions from clever YNAB-ers!