I need to know if a category goes negative and decide for myself whether to do anything about it and which other category needs to take the hit if I cover it. YNAB - After a long time of using YNAB, I realized that any time a category had a negative balance at the end of the month, it would silently zero it out and deduct that amount from the next month's pool of money to budget. Mint fails completely at these things, and each is independently a deal breaker for me. I like to have full control over which categories exist and how transactions get allocated. I like to set and track funding plans (not just spending goals) for the categories. Mint - I like envelope style budgeting, where I typically have a positive balance in each category, and I don't spend unless there's enough balance in the category for me to spend.
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