One of the features I loved about YNAB is that any time I charged something to my credit card and assigned it a category, it would transfer the budgeted amount used from said category to the amount I budgeted to pay to my credit card for the month. That way, I could make sure I was paying off any new charges to my credit card while also sticking to my budget. I'm new to LM so this might be a feature I just need to figure out, but I thought I would mention it.