I liked using mint for budgeting for years. It felt good to have a sold hold of expenses vs expenditures. But then one day the syncing between my primary credit card and mint stopped working. That was the day mint died for me, I use my primary credit card for everything and pay it off every month to build credit. When mint suddenly wasn’t allowed to connect to my credit card to get transactions it became useless.
I tried another budgeting service, but it did budgeting completely different approach wise and I just didn’t like it. Oh well such is life I guess, everything I love goes away.
Oh thank goodness, I thought this was about junior mints.
This thing just never worked for me. As in, the product was broken in several ways all of the time.
Well, crap. I use mint to track net spending and give me a forward budget. Time to find something new, I guess.
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Oh man I thought I was going to have to get another mobile provider. But thank goodness it’s not about Mint mobile
same here, thought my 1 year data top-up was a waste…
Good. Mint sucks. Fuck Intuit.
Use Lunch Money or YNAB.
$100/yr or $15/mo? Wtf
Thanks for the recs. Do either work especially well with securities?
Personal Capital or whatever they rebranded to has been generally stable since I left mint a few years ago.
YNAB is a waste of money imo. It’s literally just a spreadsheet with a bunch of mumbo jumbo to justify you paying for it while still manually doing all the work.
The only work you manually have to do is approve transactions that have been auto imported for you - and that’s absolutely a feature, not a bug
Except the auto-imports fuck up constantly which means you need to manually reconcile them. And they straight up discourage you from using auto imports in the first place. You’re “supposed” to reconcile all accounts manually in YNAB.
On top of that you have to make sure every transaction is categorized correctly, so there definitely is manual work to do.
It’s a spreadsheet with a cult, nothing more.
Interesting that you run into those issues, I’ve had it for years and handedly had to manual reconcile more than once or twice early on, certainly not in the last few years
Good news is, no one is making you use it!
Not paying subs for YNAB.
Unless you talk about YNAB4 now that is gold.
Same. They can’t justify me to pay a fee that increases every year.
Pre-Intuit it was pretty decent, before banks had their own apps and before there was much competition. Once I could use my credit union’s app and it had all the usual features no more need for Mint.
These day-to-day budgeting apps with categories and stuff, it’s great when you’re spending in a similar manner or have specific goals. Once I had a mortgage and bills and stuff, I found the granularity of the information wasn’t as relevant, I kind of know what’s going on intuitively enough. Also you have a lot bigger unscheduled spending, like propane every 2-6 months which is gonna be like $1000 and seasonally dependent, yeah you can work it out per year to know you’re okay, but to have some alert that’s like “YOU WENT OVER YOUR AVERAGE ON BILLS THIS WEEK BY 300%!” is unnecessary. Similar with food, I’m gonna load up on meat and it’s gonna be like YOUR FOOD SPENDING IS OFF THE RAILS. Things like “you spent x more on gas this week” it’s like useless info, “okay I won’t buy gas and go to work then… thanks.” “You spent x more on vices,” sure, but I think people know they’re making a bad decision and it’s just a 2nd validation to “manage” the vice spending.
For useful reporting you can just export your data from your bank/cu and make your own reports. Apps that amalgamate your financial data are still useful but then you’re in to legit financial planning territory which is sort of a separate category of apps.
It’s too bad it’s not the US mint. It might help inflation.
Hello, this is post World War I Germany calling. Please hold, we have Zimbabwe on the phone right now
Oh thank heavens, I thought they were shutting down the economies of Mexico, Indonesia, Nigeria and Turkey
Mon dieu! I thought it was the Indian buffet near Pittsburgh
Damn, I went from $50k net worth in 2010 to $3m today on Mint. End of an era. Not sure where to go next
I moved to Fidelity full view awhile back. Close enough, maybe a few less features but they’re account syncing send to be a bit more reliable.
Do they have a standalone app?
Idk but it looks like dog shite
Not that I’m aware of. Unless your referring to a mobile app. They do have that for other fidelity functions but you can just access full view from a mobile web browser and it’s responsive.
I always found the ads suspicious. Anyway I miss Primeco and to hell t-mobile.
This is the financial app Mint, not mint mobile.
I thought we were talking about Linux Mint for a second…
Same, can we stop naming things after plants?
I think they were naming it after the place where you print and make money and not the plant.
Doesnt change the spelling.
Damn I still use this. Now what should I use for budgeting?
Same, goddamnit. I hope they have some sort of option to export out all my data to bring somewhere else, though I doubt it.
It’s not free but I moved to monarch money and am very happy with everything other than the janky sync for amex cards.
I use budget with buckets. Similar to ynab, however syncing, if you want it, only costs $15/year. Free unlimited trial.
Can Budget with Buckets pull itemized transactions from my credit card and bank institutions like Mint?
Yup, you can either set up macros (never used these) or pay for simplefinbridge (1.50/month or 15 bucks/year)
I use YNAB and really like it
I’ve been checking YNAB out. I really like that it has an API subscribers can use.
One of my complaints is that it doesn’t seem to have rule-based categorization, but I may just write a script (or find someone else’s) that interacts with the API.
Do you mean rule-based by Payee? That’s definitely something it does.
It could be that I misunderstood, but I mean something like Mint’s feature where you can have it do something like this: “Always rename ‘YRBNK PMT’ as ‘Your Bank Payment’ and categorize as Credit Card Payment”.
Yeah - totally possible.
Ah, excellent, thanks. That’s one of the things I use most in Mint.
I’ve tried many over the years, and I keep going back to YNAB. Been happy using it for the better part of 4-5 years now.
Gnucash can do this and is floss so won’t really go away.
The main draw of Mint for me was how it pulled all transactions from all of my financial institutions. Can GnuCash do that too or is it just a FOSS alternative of QuickBooks?
I guess it’s like quickbooks. It can import financial institutions transactions downloads I believe.
No.
I tried cludging something together with email scraping once but it relied on too many online microservices (zapier etc) and I could never really stabilize it.
Do I need to know programming or enjoy spreadsheets to use this?
No more than you needed to use quicken back in the day.
It’s more complicated than just a spreadsheet but not as complicated as regular programming. You will want to learn general accounting practices like double entry bookkeeping to really understand how to use it though.
Hmm, okay, then it’s not what I’m looking for.
My wife and I have had success with YNAB
Personal capital works for me
Have several credit cards for your categories, and use the same checking account to autopay for all. View credit card statements for breakouts and ytd expenditure for each category.
Just a heads up that the Citi custom cash card gives you 5% back on the most spent category, great for rarely boosted categories like gas or groceries.
Seems to mesh really well with your budgeting method. Limited to one per person, but if you have anyone you trust to be an authorized user you can each have one to have two such categories.
that’s a new card. i haven’t looked over options in a while. thanks.
Hu? I have over a dozen categories lol.
Wow. That many! I have half of that.
I’ve been using Rocket Money. It has mostly the same functionality as Mint, but seems to work a lot better. It also doesn’t wait 5 days to notify me of deposits like Mint does.
I’m really liking Tiller.
I found it much easier than YNAB to understand and it all stays in a spreadsheet I control.
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What I’m gathering from this thread is that too many things are named mint.
I just told my wife Mint was shutting down and she gasped, frozen in shock. I was thinking she was taking it really hard. Took me a minute before I realized she thought I was talking about our favorite Indian restaurant.
F u c k, that spells fuck.
Whatever happened to the free credit report.com band? I know that they didn’t get paid for any of the jingles they wrote and so they tried to sue, but I haven’t heard from them since then.
free credit report is not the officially sanctioned source of credit reports. the actual one is annualcreditreport.com
I know, I just wanna know what happened to that.
