I think I figured out the over-budget thing thanks to other posts & a reply I got via email.
I really wish there was an option to put income into any month. With a teacher's salary to budget, we get 4 payments in June, 1 for the end of June, 2 for July and 1 for August, but I can't put the August one as "income for August". It's a little thing, but it's frustrating.