Overspending

A category shows Overspent when you've spent more from it than it holds. It happens to everyone, every month. The point of a budget isn't to never overspend; it's to notice and settle up.

What it actually means

Your envelopes are a map of your real money. When Groceries goes $40 negative, that $40 didn't come from nowhere. It silently came from your other categories' money. Until you cover it, the rest of your budget is overstating what's really available by $40.

Covering it

Settle up by moving money from a category that has slack, or from Available to Budget if anything is unassigned. If several categories are overspent, Quick Budget → Cover Overspending pulls the total from one category you pick and zeroes them all out in one move. If you usually cover from the same place, set a default source on the Autopilot page and it will be preselected each time.

Which category should give up the money? Whichever one you'd actually raid in real life. That choice is the budget working, not failing: it's you deciding the trade-off on purpose instead of by accident.

If you leave it

Climb won't nag you, but overspending left uncovered doesn't disappear. The shortfall just erodes next month's fresh start instead of being handled by this month's plan. Cover it in the month it happened and each month stays an honest, self-contained picture.

Overspending on a credit card

Same rule. The card let the purchase through, but the envelope is what tells the truth about whether you could afford it. Cover the overspending and the card's balance stays fully backed by budgeted money. See How credit cards work.