Manual budget categories

I may be missing something, but can you help my find out how to Manually add budget categories. I see some are there, but I’d like to add my own. Also, why are some of the categories that are there, greyed out?

You can only add custom categories if your a plus or premium customer

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This is called paywalling - locking features until you pay for them.

It’s called business.

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You mean business model, surely

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