fix: add graceful error handling for get_budgets API errors

Returns informative error message when Monarch Money API fails,
which may occur if budgets are not configured in the account.

test_token.py

@@ -0,0 +1,56 @@
+import asyncio
+import os
+from monarchmoney import MonarchMoney
+from dotenv import load_dotenv
+
+
+async def test_token():
+    load_dotenv(override=True)
+
+    token = os.getenv("MONARCH_TOKEN")
+
+    email = os.getenv("MONARCH_EMAIL")
+
+    password = os.getenv("MONARCH_PASSWORD")
+
+    if token and token.strip():
+        # Strip potential prefix
+
+        if token.startswith("MONARCH_TOKEN="):
+            token = token.replace("MONARCH_TOKEN=", "")
+
+        print(f"Testing with TOKEN: {token[:10]}...")
+
+        mm = MonarchMoney(token=token)
+
+    elif email and password:
+        print(f"Testing with EMAIL: {email}")
+
+        mm = MonarchMoney()
+
+        try:
+            await mm.login(email, password)
+
+            print("✅ Login successful with email/password!")
+
+        except Exception as e:
+            print(f"❌ Login failed: {e}")
+
+            return
+
+    else:
+        print("❌ No credentials found in .env")
+
+        return
+
+    try:
+        accounts = await mm.get_accounts()
+
+        print(f"Success! Found {len(accounts.get('accounts', []))} accounts.")
+
+    except Exception as e:
+        print(f"Error fetching accounts: {e}")
+
+
+if __name__ == "__main__":
+    asyncio.run(test_token())