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I've been spending some time playing with mint and am a little frustrated. It works great for compiling all the spending I've done and giving me historical graphs, etc. But it seems quite horrible for helping me create and manage an actual budget. I don't see how to set the budget from high-level categories, Then drill down into sub categories. I need two things:

a. A simple two column list of my budget. One column is the predefined budget and the second is the to-date amount I've spent on that category so far. It appears that mint only gives the latter.

B. I need some sort of schedule for cash flow that takes into account upcoming planned expenditures. In quicken, I used to have a sawtooth graph that had hills rescheduled so that I knew if I would make it to the end of the month with any cash left in my account. (I would use the graph to figure out how much money I could put into savings on the first of the month as a a "pay yourself first" forced frugality).

I have heard some folks use ynab. I also saw a well regarded android app called Easy Envelope Budget Aid.

Any advice, suggestions or tips?

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