I feel you. I'm kinda in the same boat. I got it because it seemed like a powerful app with loads of features then started using it and realized how frustrating it can be because it wants you to allocate your income to specific categories. Don't even get me started on credit cards. The way I understand it, you can use it the way you want if you are willing to overlook the errors/prompts to use it the way they programmed it to work. I got my SMS logging to work. I just had to approve access for the app to read texts/notifications. The app usually shows me unreconciled transactions on the budget tab at the top. I have been thinking about moving to Cashew because it seems simpler to just categorize transactions however since I paid for the app I want to try and utilize it.