I really want a nice envelope budgeting debit card, but for my purposes Simple wasn't it. Most notably, if you mark a transaction as coming from a specific goal

I really want a nice envelope budgeting debit card, but for my purposes Simple wasn't it. Most notably, if you mark a transaction as coming from a specific goal, and the amount of the transaction is more than the goal, the goal gets set at $0, and there's no way to determine what the balance was before you marked the transaction. You can unmark the transaction, but at that point you'll actually have more in your goal than you did previously. Basically I want Simple but with a richer transaction history. It doesn't have to be as cumbersome as a full double-entry account system, but it needs to have roughly a similar level of account history.