> ## Documentation Index
> Fetch the complete documentation index at: https://docs.budgetbandit.io/llms.txt
> Use this file to discover all available pages before exploring further.

# Cover overspending

> Fix overspending in Budget Bandit: what a red, negative category means and how to bring it back to zero.

When a category's Available goes below zero, you overspent it — you spent more than you
assigned. Budget Bandit shows you the amount and where it came from, and covering it is
one move.

## What the colors mean

The Available amount on a category is color-coded.

| Color     | Meaning                                                                                                                                                                 |
| --------- | ----------------------------------------------------------------------------------------------------------------------------------------------------------------------- |
| **Green** | Money left to spend in this category.                                                                                                                                   |
| **Gray**  | Exactly zero — fully spent, nothing left.                                                                                                                               |
| **Red**   | Cash overspending. You spent cash you did not budget, and the money has already left your accounts.                                                                     |
| **Amber** | Credit overspending. You spent on a credit card without budgeting for it. No cash has left your accounts yet — the card's Payment category is now short by that amount. |

<Note>
  The split between red and amber matters. Red is money already gone. Amber is a debt
  you took on by putting it on a card. Both need covering, but only red has already
  hit your account balances.
</Note>

## Cover it by moving money in

The fix for any overspent category is to move money into it from a category that came
in under.

<Steps>
  <Step title="Click the red or amber Available amount">
    A popover opens, pre-filled with the exact amount you are short.
  </Step>

  <Step title="Choose the category to pull from">
    Pick a category with green Available you are willing to spend down.
  </Step>

  <Step title="Choose Move Money">
    The overspent category returns to zero. The category you pulled from drops by the
    same amount. Ready to Assign is untouched.
  </Step>
</Steps>

You can also cover overspending by assigning more from Ready to Assign — type a larger
number into the category's Assigned cell. Use this when you have idle cash rather than
another category to raid.

## Credit overspending is different

If the overspending is amber, you spent on a credit card without budgeting for it.
Covering it does two things at once: the category returns to zero, and the card's
**Payment** category gains the same amount, because that spending is now backed by real
money and safe to pay. Until you cover it, the card's Payment category stays short. See
[The Payment category is red](/credit-cards/payment-category-is-red).

## What happens if you leave it

* **Cash overspending (red)** rolls forward. The negative carries into next month's
  category until you cover it, so it keeps reminding you.
* **Credit overspending (amber)** does not roll into next month's spending category.
  Instead the claim stays on the card's Payment category as an underfunded gap, which
  lasts until you budget for it or pay the card.

<Warning>
  Leaving overspending uncovered means your budget no longer adds up. A working budget
  has no red categories at month's end — every dollar you spent was a dollar you had.
</Warning>

## Related

<CardGroup cols={2}>
  <Card title="Assign and move money" icon="money-bill-transfer" href="/budgeting/assign-and-move-money">
    The move-money tool in full.
  </Card>

  <Card title="Payment category is red" icon="credit-card" href="/credit-cards/payment-category-is-red">
    Credit overspending and the safe-to-pay number.
  </Card>

  <Card title="How credit cards work" icon="circle-info" href="/concepts/how-credit-cards-work">
    The funded-portion model behind the amber color.
  </Card>

  <Card title="Budgeting FAQ" icon="circle-question" href="/troubleshooting/budgeting">
    Common budgeting questions answered.
  </Card>
</CardGroup>
