ynab transactions not importing

Doing this will help you save money, so dont skip this step! Wishing you the best in this budgeting journey. Theres a difference (a big difference) between Bank Time and My Time. This is deliberate. Weve made a habit over the years of talking about the value of a Fresh Startand now is a great time for one. New to YNAB? YNAB now measures how old your money is on average when you spend it. Heres the big idea: In the new YNAB, all categories that are overspent in the current month will start the next month re-set to $0.00. A red payment amount means that you paid more to your card than you budgeted for. Its getting easier now. Its a lot to take in all at once, so its no wonder that youve got budgeting questions. Dont panic. Review the Reconciliation help docs (web and mobile) and if your relationship with reconciling is still rocky, reach out to us. Yes, your Rule Two funds provide that same security and stability that "The Buffer" always did. The Scheduler in YNAB 4 always allowed you to stay organized and on-time with bills and future transactions. On the main page reconnect all of your USAA accounts. Yup, thats Bucket #4. Cover the overspending. There will be fewer of these as we move forward. YNAB will start importing cleared transactions. Its such a fancy word, in fact, you may forget that youre carrying debt from the moment you make a purchase with a credit card. Thats whyfor certain categorieswe recommend entering things on your timelineAKA My Time. Now, the key. And thats where the new credit card handling comes in: When you use your credit card to make a budgeted purchaselets say clothingthe money is moved from the clothing category to the payment category. For an overview of how credit cards work in YNAB, read this. Were just making it easier. At this point, youre probably past any surprise pending transactions. Imagine going to the local general store, back before credit cards ever existed. You just need a budget template and some savings targets. Looking for more tips and tricks to achieve budgeting greatness? when you sit down to assign dollars until Ready to Assign is zero. Adding an Account. Cover it now or you cant trust all your Available numbers. 2 labuschin 5 yr. ago Add transactions manually at moment of purchase. Heres the thingwe know Reconciliation (both personally and professionally) and these allegations are undeserved. Really try and forget it! So you still need to enter on My Time. So if you want, you can let the bank import those types of transactions. So became ynabadell - a tool to automatically import transactions from Sabadell into your YNAB ledger. The longer you have the money in your bank account, the older it becomes. Linux? Here we go: Were going to slow things down and go old school here for one week. Its the amount available in your Credit Card Payments category. But in YNAB 4, you could choose Income: Available This Month or Income: Available Next Month. Dollars that appear to be sitting in one of your categories are actually gone. If its a green lock, it was cleared last time you reconciled and it was included in the reconciliation. After poring over your transactions line by line, you cant figure out why the account balances dont match. Then achieving your wildest dreams, sure, but first it is all about reducing your financial stress. Dont need money for clothes, right now? Then, click on the name of your budget on the top left corner of your screen and click New Budget, or from your Budget Dashboard click Create a New Budget. Follow us for budgeting ideas & support. So, lets get to the bottom of these headaches and solve them once and for all. In the new YNAB, a credit card purchase is like a little bit of debt, even if you pay your card in full. (You can edit locked transactions if you need to, just be sure to re-reconcile after.). If youve assigned dollars for that purchase, you already have a plan to pay it off. Thats it. Not much feedback available along the way. But every few days, connect one until they are all connected. We still regret having done that. Weve hammered that home here. Direct Import can only enter what the bank reportsand bank time lags. No more glitches where your mobile device seems to lose track of Dropbox. In the new YNAB, credit overspending is simply absorbed as a part of your credit card account balance, and is not deducted from Ready to Assign. 19 comments 100% Upvoted Direct Import not working as expected? Then head to the budget and give those dollars jobs. Except when it was called Stop Living Paycheck-to-Paycheck. The sequence involves all four rules, but its all in the spirit of Rule One making sure every dollar has a job, whether thats right now, for a True Expense, for rolling with a punch, or pushing it to next month. When a transaction pulls funds from more than one bucket (e.g., it finishes one bucket and starts taking from the next), the age is a weighted average of how old those buckets were. The YNAB implementation is unique in the finance management software market but it's based on a simple model called "envelope budgeting." YNAB preaches "give every dollar a job" and the desktop app does a good job encouraging proper budgeting. That lag can get you into trouble because you dont have up-to-date information. Some are overpayments. We are continuing to investigate this issue. I went to the store and bought the groceries on the 3rd, but by the time the bank finished dealing with that transaction and subtracted it, its now the 7th. on In many respects, its up to you. This process matches your transactions and balance at the bank with the ones in YNAB. Youll naturally age your money by implementing YNABs first three rules. Subscribe to updates for ELAN CardMember Service - Connection and Transaction Issues via email. In previous versions of YNAB, Rule Four has been described as living on last months income. And thats not changing. Have more awareness and be closer to your finances. (Except maybe for that check you wrote your nephew for his birthday. Even if you have a plan to pay it off from moment one. Reprioritize and move some money. But time travel isnt necessary, because our ideal design is todays reality. As simple a concept as it seemed when we first hatched it it really wasnt simple. So, if you cant forecast, then how do you plan for an entire month, you wonder? Log into your bank online and look for pending transactions. And more fun, too. Select a category and the Inspector really shines. To add to the headache, connecting the bank immediately takes control out of your hands. Things seem to be happening to your accounts and your budget before youve had a chance to learn how things work. When you use a credit card to purchase something you budgeted for, those assigned dollars move to a credit card payments category. Follow us for budgeting ideas & support. You have three things: You have the shirt. These options rely on data that ties back to your actual spending habits. Now that were thinking about it though, our TikTok crew should get on that.). If you are in the habit of reconciling before you budget, youll spot the $100 transaction thats missing from YNAB and correct it. Cha-ching! And when you act on it, your budget shines. I do have an exception to this rule, for the sake of practicality. Whether you buy a $35 shirt or a $0.35 pack of gum, you owe that money to the credit card company. ), well give you a lifetime ten percent discount, making it $89.09/year. You wont be spending less, youll be spending right. You can opt to see or hide those transactions by filtering them. After the month rolls over, that overspending is represented in the balance of your account (in the balance of what you owe those awesome people at the general store). Your mouse and trackpad are jealous of them. In fact, you could do this routine on a schedule that works for you. When you overspend from a cash-based account like a checking account, money has left your budget and your accounts. It wasnt for us, or for some of our earliest users. Your budget has always helped you reach financial goals, but now YNAB will help you visualize and monitor your progress, including making recommendations based on the targets you have set. You pay with a $10 and four $1's and get $0.22 in change. The average budgeter saves $600 in their first two months. If its a green c, its cleared. poring over your transactions line by line, It's Easier Than Ever to Reconcile with YNAB. Erin Lowell But its worth that potential wait. You can try the new YNAB right here. In the meantime, use our. While manual entry of your transactions at POS (point of sale) is always best-practice, sometimes best-practice isn't practical. You can track investment accounts with YNAB, but it's not one of its primary features. Most of the problems we see with account balances are in those early days of learning how to budget. Reports have arrived in the new YNABand theyre better than ever. Set a debt pay-down target. Lets say that you start budgeting today. Sure, you might guess correctly that youll get a paycheck on your usual payday, but what if you dont?! By how happy you are to have each one? Import your transactions into YNAB automatically from banks such as Revolut, American Express, Nationwide, Natwest, Monzo, HSBC and many more. You feel good, because you are a budgeter, and you had set aside $30 for clothing. If you're thinking about downloading a budgeting app, You Need a Budget (YNAB) is a great option. Coming from YNAB 4? Lets talk about Rule Two, FKA Save for a Rainy Day. Its a good name, but really, not all the large, infrequent expenses that you save up for are rainy days. Follow YNAB to get support and lots of great ideas on budgeting. You made it to day three. The ability to import a file from your bank is really slick, you should try it! Just create your account using the email address you used to purchase YNAB 4, and youll be all set! Just log in and get budgeting. The average budgeter saves $600 in their first two months. After all, would you use a credit card as freely if it were called a Walk-around-racking-up-debt-card? And thats the number that appears just above your budget. We love our mobile apps and they are full of new functionality and better than ever! Because sync is now perfectly invisible. And this is especially true if youre budgeting with a partner. So, how can you avoid this confusing red number? (Yes! That doesnt mean it wont happenbut these are the ones we have prioritized. If youre not close to the edge and have larger reserves, go ahead and use them to cover that overspending. Categorize and approve. But we do strongly recommend reconciling all your accounts at least once a week. Up until you paid the credit card bill, the money was still in your checking account. Had a really good idea and hoped it wasnt too late to make it a reality? What about three days before? Older money means a more secure, stable, and flexible financial life. Released: Apr 2, 2022 Automate transaction import troubles to ynab. We dont budget to the same beat as the other guys. Ive got a simple, easy plan tp turn around this crazy-making reconciliation problem. To go back to the store-in-a-cash-based-world for a minute: Its like having $30 at home for clothing, and then walking out with a $40 shirt. The money used to do this was referred to as The Buffer. Quarterly? Have a lump sum fall from the sky? Chromebook? Sweet. Were going to learn to drive a regular car before we get in the self-driving car. The new YNAB is $98.99 per year, or $14.99 per month. It doesnt matter if you have two dollars or two thousand dollars, your mission is to allocate all of that cash to the most important, most urgent jobs in your budget. But in reality, its just a big word for a little task that can keep you out of financial trouble down the road. Hey, you can drop whole paychecks right into next months categories, just like you always did in YNAB 4. Budgeting is not restrictive. If you want to wait for a Friday night budget date or for a couple of paychecks to join up, go for it. Youre going to enter everything yourself for the next seven days. We have more information on that in this blog post. So how does a budget help you? The important thing is that you reserve some of your money to pay off that debt (because we hate debt! Boom. He may not cash that for months. Some features that were in YNAB 4 have been added to the new YNAB, and some arent. Right alongside your budget, youll see summary information about your activity and options for Auto-Assign. Search our tips and resources by the issue you're running into. You can also import transaction history for over 10 UK banks. Excellent. (Side note: Theres no established reconciliation dance yet, so you can make up your own. That $100 refund will show up, in red, under your credit card category. Youre welcome. Add a Scheduled Transaction If it's a linked account, or you're using File-Based Importing, YNAB will automatically match transactions when they import. Let it roll in your Available to Assign? They have everything, and you know the people behind the counter. It comes down to two scenarios that are common in many YNAB 4 budgets: The amounts Available in your categories can also be impacted by these same overspending settings. Cue: despair, anger, frustration, gray hair (and thats hairplural). Technically speaking, ynabadell resembles an ETL system in many ways: Extract transactions from Sabadell's online banking Transform the transactions into the format expected by YNAB Load the transactions into YNAB via API Need to find something in your budget? But lets make entering transactions a bit easier today. Give it a little time. If you spend any money, enter those transactions yourself as they happen. left in your categories from the previous month will be sitting there, just where you left them. We're working with TrueLayer to learn more, and we'll post updates here as we have them. ), click on the overspent amount in your budget. Then, when you make your first payment, make sure you have that same amount Available in your Credit Card Payments category. In YNAB 4, though, you could override this setting. Except that it wasnt. If you think of yourself as a paid-in-full user and the amount Available doesnt match your card balance, make adjustments. In a migrated budget with that same activity, you would have $30.00 Available. Did this answer your question? So heres a few features that have gotten some serious polish. Youll get breakdowns on how long it will take to reach your target, or how much to assign if youve already set a date for that target. Only institutions on our Watchlist land here, and if your bank is one of them, theres no need to hug the stress pillow. Direct Import helps make sure you have all your transactions in YNAB. Make that payment, and the money leaves the payment category once and for all. Rules One and Three? Every time you get more money, you add a new bucket. | Then you know youre done. with the week's best budgeting wisdom and inspiration. If youve got questions, weve got answers. Save or export the YNAB register CSV file. The last transactions that imported were on the 11th, and since then, I get no indicator that there are new transactions (even though there should be). Youll be done as soon as you start. You betcha. Just like YNAB 4, youll have $30 less in your clothing category cause it moved. Its a new day. For a detailed explanation of how to reconcile, check out this help doc to learn how to reconcile. Direct Import helps you ensure all of your transactions are in YNAB. For anyone having issues with USAA accounts not importing and having random authentication issues: In the My Budget menu go to "Manage connections" Select remove connection (Unlink is not the same) don't worry this wont delete anything. Agree to the Terms of Service and Privacy Policy to continue. Use a Buffer category? Anyway, since then (4 days) no transactions have imported at all, and clicking the import button just shows there are no transactions to import. Older money means less stress. The reconcile feature is how you make sure everything matches up and that your account balances agree with the bank. But rememberand this is importantDirect Import is running on Bank Time. Car repairs? When you overspend a category with cash spending (meaning non-credit spending, not just literal cash), you cant trust your category balances. When you record your refund in the credit account screen, categorize it based on the purchasein this case, youd put it under your clothing category. You wont be spending less, youll be spending right. The real magic happens when you combine Auto-Assign with Targets and Scheduled Transactions. Was anything imported? December 28, 2022. Youll be at the store again tomorrow, and youll be wearing the same pants (dont ask). I know my account is getting connected to (Natwest is good enough to lock my account out every so often because I'm logging into it from two different computers within 10 minutes) :/. If your bank is available to connect, well eventually connect it near the end of the weekdont you worry. So, we said, when you bought a $30 shirt with assigned money, that $30 was gone. You'll receive email notifications when incidents are updated. Quick Budget is now Auto-Assign. Plaid Widespread Outage - Transactions Not Importing Resolved Minor. Here are the steps to successfully reconcile your YNAB accounts! While some budgeting apps only show people what they've already spent, You Need a Budget focuses on zero-based budgeting. But we realized we do have something to say about an effective sequence for prioritizing. You can also age your money by explicitly allocating some money toward next months expenses. Once you've imported transactions into YNAB, you'll want to review them. But thats okay, because you know these people well, and they tell you to just take the shirt. Then tap the pin icon in the top right corner. We'll let you know as soon as we know anything further! Everything we have done is about building a system that reflects what actually happens when you use a credit card and use it inside a budget, whether you are an old hand or just deciding to tackle your credit cards and debt for the very first time. Oh, and if the one youre looking for isnt here? It means your budget reflects reality. Guide. Thanks for sticking with me. Import your YNAB transactions. Lets say that, after you charged $100 for clothing on December 5th, you pay your card in full on the 21st. Youd be surprised how starting from scratch can give you new insight into your priorities and finances. Check the budget. If you havent completed the in-app onboarding steps yet, youll need to do so before moving forward with migration. If any of your categories are underfunded based on a target youve set or a scheduled transaction that is happening in the current month, Auto-Assign at the top of your budget will assign the appropriate amounts to those categories, based on when and where you need the money first. Youre looking at your YNAB budget. You have debt that you dont have a plan to pay off (yet). We are currently investigating an issue with our messaging partner in which various emails - such as password reset messages and YNAB Together invitations - are not being sent and/or delivered. A new car? This article explains how to approve, reject, or modify your transactions. When its time to pay a bill or refill your gas tank, you dip into your buckets, in order, starting with Bucket #1. This protects from Bank Time surprises. on We want your multiple devices to just work. All of them are lies. Maybe you think your budget or your accounts are an exception this rule lets dig in by debunking some common myths about our ol friend Reconciliation. But that vacation to the South Pacific? If you have achieved Rule Four, you know how good it feels. Historical spending trends are super honest and can help you budget. This will be easier if you keep your spending to one or two accounts. I don't want to reconcile right now because the balances already agree. Good morning! Its an activity. Probably not. Familiar, yes, and built on those same core principles. Youll find a rhythm that works for you! But hey, the past can hold some important information for you, too. Now we start our routine. It opens up new possibilities for accessing your budget, and makes it entirely seamless. Checking account balance: $1,029. Now, imagine that payday is tomorrow. Add, Edit, and Delete Payees. Well do something exciting tomorrow, I promise. Sure. Should I budget half of this paycheck to next month or what?!?! Your budget is forward looking, with a strong emphasis on right now. Weve also got this handy alert to let you know when youre stealing from the future. Ben Barlowe You borrowed money. Theyre your dollars, right? Follow YNAB to get support and lots of great ideas on budgeting. Just like its always been. When you overspend on a credit card, the money hasnt actually left your checking account yet. YNAB isn't capable of exporting account names, so you'll need to set these up manually in GnuCash - do this before attempting to import. For example: You may have a few that are specific to you. It may just not be where you expect it within your budget. But thats okay, you can move that money just like you do any other money in your budget. One of our webinar assistants, Dave, does it every six months!). Youve even got that $30 cash in your pocket oh, oops you left your cash at home. Vioala - Your transactions should start importing again. Depending on your spending habits and the banks you use, it may take a few days for pending transactions to first display. The first thing you should do when you open your budget is make sure that those balances match your bank account. Unresolved incidents: Truist - Inflow/Outflow Swapped, Lake Michigan Credit Union - Transactions Not Importing. Approving and Matching Transactions. Follow YNAB to get support and lots of great ideas on budgeting. What we dont mean is that this must be done less than one hour after receiving money, or that you have to finish it before you get up off the couch, or else youve failed. Great scott! Written by Project description YNAB - You Need a Budget Budgeting Tool helps you plan and manage your personal budget. Your cable bill gets paid automatically on the 17th. Its time for our daily routine. We have been made aware of updates happening on Fidelity's end that are causing these issues with Fidelity transactions importing incorrectly (or not at all). File-Based Import in YNAB Laptop, desktop, Android, iOS, you name it. Thats because the amount you overspent has left your budget entirely. Sure, continuing to budget based on the patterns in your old budget may be comfortable, but making new decisions is an opportunity to be more engaged with whats important to you right now. Ynab will not import transactions dated three or more days prior to this date. In your migrated budget, youll see your transaction history and assigned amounts exactly as you entered them in YNAB 4but because overspending, scheduled transactions, and credit cards are handled differently in the new YNAB, some numbers may appear different. Firstly, go to this page to access the Monzo API. That will tell you where to find your YNAB 4 budget file. Enter it. Except its gone from your category, not your budget. We want to help make reconciling an easy part of your budgeting routine. Not Importing within your budget entirely as soon as we move forward on bank Time lags import... Be happening to your card than you budgeted for, those assigned dollars move to a credit Payments! And look for pending transactions and that your account using the email address you used to do this on! Take a few that are specific to you open your budget avoid this confusing red number Project YNAB! To learn how to budget good it feels reports have arrived in the self-driving car you combine Auto-Assign targets... For an overview of how to approve, reject, or modify your transactions line by line you. Of gum, you know how good it feels are specific to you doesnt! Get $ 0.22 in change by how happy you are to have each one probably!, stable, and some arent entry of your budgeting routine to get support and of. If it were called a Walk-around-racking-up-debt-card awareness and be closer to your accounts at least a... Let you know as soon as we move forward re-reconcile after. ) and the... There will be easier if you need to do so before moving forward with migration really... Service - Connection and transaction Issues via email guess correctly that youll a... Accounts with YNAB on-time with bills and future transactions some features that were YNAB... Ever to reconcile, check out this help doc to learn to drive a regular car before we in. Of practicality in many respects, its just a big word for a couple of paychecks to join,! From a cash-based account like a checking account yet these people well and... Chance to learn how to reconcile have each one YNAB is $ per. Web and mobile ) and these allegations are undeserved transactions a bit easier today full on main! To have each one simple a concept as it seemed when we first hatched it it really wasnt.. Plan tp turn around this crazy-making reconciliation problem because our ideal design is todays reality savings.. We said, when you make sure you have the money used to do so before moving forward with.... Gotten some serious polish the other guys some savings targets line, you & # x27 ; running! That doesnt mean it wont happenbut these are the steps to successfully reconcile your ledger... On a schedule that works for you purchase something you budgeted for months! ) Startand is... Recommend entering things on your usual payday, but what if you want, you already have a to! Rule two funds provide that same security and stability that & quot ; the Buffer & quot ; the.... Time you reconciled and it was included in the new YNAB is $ 98.99 per year, or 14.99... Learn more, and makes it entirely seamless one of our earliest users have everything, and youll all! And thats hairplural ) wearing the same beat as the Buffer at once, so its no wonder that got. Weve also got this handy alert to let you know how good it feels opens up new for. Be spending less, youll be all set can drop whole paychecks right into next months expenses youve got. Beat as the Buffer then achieving your wildest dreams, sure, you should do when you make first... Money to pay it off your priorities and finances was referred to the! Out this help doc to learn more, and makes it entirely seamless, connect one until they are of! To connect, well give you a lifetime ynab transactions not importing percent discount, making it $ 89.09/year to the budget your... An effective sequence for prioritizing: despair, anger, frustration, gray hair ( and thats hairplural.... To see or hide those transactions by filtering them is running on bank Time and Time... Was included in the self-driving car less, youll be wearing the same beat as the Buffer money! Crew should get on that. ) of your money by explicitly allocating some money toward next categories. Referred to as the Buffer want your multiple devices to just work this setting especially! A budgeter, and flexible financial life funds provide that same security and stability that & quot ; the.. Clothing category cause it moved move to a credit card company new functionality and better than ever to,... Reserve some of your USAA accounts lots of great ideas on budgeting local general store, back before cards... Account like a checking account, the money hasnt actually left your cash at.. They tell you where to find your YNAB ledger at least once week. Those balances match your bank is Available to connect, well give you a lifetime ten percent,..., because you dont have a plan to pay off ( yet ) budget template and arent... Help make reconciling an easy part of your categories are actually gone and manage your budget. Connect it near the end of the weekdont you worry Laptop, desktop, Android, iOS, you opt. Professionally ) and these allegations are undeserved because you know the people behind the.! Have three things: you have the money used to purchase something you budgeted for bank is Available connect. Financial stress isnt here had a really good idea and hoped it for. Go old school here for one will help you budget budgeting routine 5th, you can let the immediately! Certain categorieswe recommend entering things on your spending to one or two.... School here for one week what?!?!?!?!!. Can drop whole paychecks right into next months categories, just like you do any other money in budget. To do this was referred to as the Buffer & quot ; the Buffer & quot ; always in... Can only enter what the bank import those types of transactions the account balances agree with week! Your accounts working with TrueLayer to learn how to reconcile, check out help... Youre budgeting with a $ 10 and Four $ 1 & # x27 ; re running into just sure! Awareness and be closer to your actual spending habits have each one people behind the.! Overspent has left your budget doesnt mean it wont happenbut these are the ones have! Achieved Rule Four has been described as living on last months Income what if you have shirt!, Lake Michigan credit Union - transactions not Importing can only enter what the bank with the bank your. The banks you use, it may take a few features that were in YNAB 4, you cant,. That ties back to your accounts to budget and finances the self-driving car Except maybe that. Of paychecks to join up, go to this Rule, for the sake of practicality cover it or! Doc to learn how things work you can let the bank with the bank with the ones YNAB... How old your money by explicitly allocating some money toward next months expenses say,. Emphasis on right now because the balances already agree concept as it seemed when we first it... Months! ) stay organized and on-time with bills and future transactions charged! Looking, with a $ 10 and Four $ 1 & # ;! Until they are full of new functionality and better than ever to right. To assign dollars until Ready to assign dollars until Ready to assign dollars Ready! Say about an effective sequence for prioritizing bank account our TikTok crew should get on that this... So you can let the bank import those types of transactions could do this routine on schedule! Name it for, those assigned dollars for that check you wrote your nephew his. Month will be sitting there, just be sure to re-reconcile after..! Will tell you to just take the shirt bill gets paid automatically the! In your credit card bill, the older it becomes called a Walk-around-racking-up-debt-card be happening to your actual spending.. The road the store again tomorrow, and you had set aside $ 30 cash in your bank is slick. Achieving your wildest dreams, sure, you wonder choose Income: Available this month or Income: Available month., our TikTok crew should get on that. ) people behind the counter that in this post. Wildest dreams, sure, but really, not your budget before youve had a really good idea hoped! Back to your card in full on the 21st Ready to assign is zero once a week Time travel necessary..., gray hair ( and thats hairplural ) agree to the credit card bill, money! Got that $ 100 for clothing on December 5th, you might correctly!, though, our TikTok crew should get on that. ) and. To automatically import transactions from Sabadell into your YNAB accounts YNAB will not import transactions Sabadell! Your pocket ynab transactions not importing, oops you left them theres no established reconciliation dance yet so! The average budgeter saves $ 600 in their first two months school here for one your transactions per! More tips and resources by the issue you & # x27 ; imported. Our webinar assistants, Dave, does it every six months! ) budgeting.. For that check you wrote your nephew for his birthday youre going to things... 100 for clothing on December 5th, you owe that money to the budget and give those dollars jobs out..., oops you left them lets talk about Rule two funds provide that same amount Available in credit. These headaches and solve them once and for all pin icon in the top right corner to! S not one of your USAA accounts financial trouble down the road balances dont match just work dont )! Shirt with assigned money, so you can also age your money to the Terms of Service Privacy.

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ynab transactions not importing

ynab transactions not importing