re: I'm a YNAB geek.

quote:

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also, i've downloaded my transactions since 7/1/16. Should i be going back like that to create a baseline or start from 1/1/17?

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You will get frustrated if you go back that far. Start fresh from 1/1 and use it moving forward.

As far as tracking - I would budget $100 for the gift, go over budget, and apply the $100 you receive toward it. I'd treat it essentially the same as a merchandise return. Its technically money coming in, but it needs to be applied to a budget line rather than inflow.