<prompt> Human: Im just curious how people configure their budgets using Mint software. Its got some customization to cater to virtually any budget you like. Currently Im using a 75 Necessary, 10 Entertainment, 15 Savings plan where place each of my transactions. Despite being able to track where my money is going in a simple interface, it hasnt really been helping me budget as effectively as Id like, and I still go over by about 500 to 700 each month. What strategies have you implemented within Mint?  <response>: I mostly use mint to keep tabs on all of my various checking, savings, retirement, and investment accounts. I then download all of the transactions each month into an excel spreadsheet. If you just plug everything in on mint, I feel that there is less incentive to review it periodically. This way, you see each transaction and know that it was spent in that calendar month. 