[baumandm]

I don't think your 2nd bullet is completely true, although I don't think it's the same as how it worked in v4.

You can receive income in January, then switch to February and allocate it to a category. When you switch back to January, it will not show that money in your To Be Budgeted total. So you can zero out January while having the next month already budgeted for.

My system is to switch to the next month, select all categories, then click the "Budgeted Last Month" button to automatically apply my previous budget to that month. Then I switch back to the current month and fix any underfunded categories and allocate any overflows to get the balance down to zero.