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I'm afraid I just don't "get" the way the way budgets work. I would have liked to allocate budgets by Category across all acounts but this doesn't seem to be possible. Where do you say what the budgetted amount is?

Go in the budget editing screen, add all accounts in the accounts section and add the categories you want to monitor. Then select each category in the categories section and enter the budgeted amount.

OK thanks - I've got I now!

I was going back to the list of categories rather than the list WITHIN the budget definition. All clear.