You Need A Budget is a budgeting app that uses four rules to help people reduce stress around finances.
I have been using it since 2012, and have come across a few areas where I wish there was more functionality. One area is reporting, the other is debt management.
YNAB provides views of analogous to an income statement for income vs. expenses. It also provides a dreaded pie chart of payees over specified periods of time. None of these views tell me, "over the past paycheck, where did I screw up?" The budget analysis notebook is my first look into these questions.
Each month, YNAB resets budget categories that have gone negative. This creates an issue where there is no tracking for historical overages. Reasons these might occur could be - car repairs, vet bills, fancy dinner with your spouse, or moving to a different state. The list is endless, which makes planning for them (sometimes) impossible. The reality is, it happens. When visibility is limited or non-existant, it is difficult to correct the issue. I haven't coded this out yet, but will take an approach in the coming weeks.