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What happened to Mint?

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Re: What happened to Mint?

#121

Post by lotsofpulp »

koboll wrote: post #53
Ozzie_osman wrote: post #29

Co-founder of a (yet to be launched) Mint competitor here [1]. One pattern I think we all see over and over again is when products get bought by a large company, they often lose their "soul" (and the original team). Both those things happened with Mint. Another important pattern I've seen is that products, in the long-term, morph to take the form of their revenue model. Many personal finance products are free, but ma…

I gotta say, a Mint-that-doesn't-suck is something I could absolutely see myself paying $5 a month for, for the rest of my life. The core functionality is indispensable, but it's become so outdated, inefficient, and difficult to use that I'm champing at the bit to jump ship. I'm surprised it's taken this long for a serious competitor to emerge, given that it's been saturated with ads for at least half a decade and Pl…

Bank of America does it for free:

https://www.bankofamerica.com/online-banking/mobile-and-onli...

I run all of my spending through BoA credit cards / checking accounts, and they automatically categorize 99% of transactions and there's a nice little report of the last 12 months. It also incorporates Merrill data, and you can add other companies' logins to so BoA can import those transactions too, but I'm not a fan of giving out login information.

Re: What happened to Mint?

#122

Post by [deleted] »

sithlord wrote: post #103
koboll wrote: post #53

Earlier quoted context omitted.

I gotta say, a Mint-that-doesn't-suck is something I could absolutely see myself paying $5 a month for, for the rest of my life. The core functionality is indispensable, but it's become so outdated, inefficient, and difficult to use that I'm champing at the bit to jump ship. I'm surprised it's taken this long for a serious competitor to emerge, given that it's been saturated with ads for at least half a decade and Pl…

Personal Capital is free, works amazingly - not really a budgeting tool - but more an aggregating tool. Depends what you want to use it for, it does have some* budgeting capabilities.

[deleted]

Re: What happened to Mint?

#123

Post by tusharsoni »

kevstev wrote: post #116
tusharsoni wrote: post #47

After struggling with Mint and YNAB for a while, I figured that I didn't really want to budget. I was tired of categorizing and setting up $20 budgets. I ended up with a simpler methodology which is basically a MUCH simpler version of YNAB. It worked really well and I've stuck with this for a while now. Just a few weeks ago, my partner and I launched Funded [0] that follows this method. Would love to get feedback fro…

Maybe I am just wired differently, but every budgeting program is just annoying at best. I get "scolded" because I went over my $40 clothing budget budget because I bought a coat or a suit, or took advantage of a sale. I don't buy clothes one pair of socks at a time per month, I take advantage of good sales and every few years I need a suit. One way to potentially solve this is to "roll over" any excess from month to…

Trust me, it's not just you. That is exactly why I couldn't use any of the budgeting apps. I'm an adult and I don't want to be told by an app where I can spend my money.

Funded takes an "anti-budgeting" approach. You only set up your obligations and savings. You're left with discretionary spending that rolls over every paycheck and you can spend it on whatever you want. Not tracked and not budgeted.

Lmk what you think!

Re: What happened to Mint?

#124

Post by astura »

djstein wrote: post #92

Just going to post a great alternative that people over at http://reddit.com/r/financialindependence/ recommend Personal Capital http://personalcapital.com/ I've been using it for about 4 years now. Best money management system I've used in a long time

Personal Capital is good, however, be aware they require a phone number for 2FA and they will call you once every 1-2 years on that phone number to try to sell you their advising services.

To me it's still worth that annoyance. The only thing I use it for is balancing my portfolio across ~8ish different brokerage accounts.

Re: What happened to Mint?

#127

Post by alistairSH »

0xffff2 wrote: post #80
alistairSH wrote: post #67

I haven't used Mint, so I went to take a look... Am I missing something, or is Mint asking me to hand over the credentials to all my other financial accounts? That strikes me a horrendously awful idea.

Yes they are and yes it is, but every other budgeting tool is going to ask for the same.

Yeah, I can't think of another way to do this, but one breach and all my financial accounts are leaked? That's not something I can risk.

Re: What happened to Mint?

#128

Post by joshgachnang »

Does anyone have a suggestion for a finance/budgeting app that's easy to use for splitting costs? My girlfriend and I don't have joined finances, but we do generally split everything down the middle. So most things are "I pay with my card, tally it up, then you Venmo me your half at the end of the month." I'm currently using YNAB and then split each relevant transaction, but it's very very tedious.

Re: What happened to Mint?

#129

Post by Brendinooo »

I like Mint primarily for its aggregation of all of my accounts. There are some occasional hiccups but in general it works very well with that. Then I download transactions as a CSV file and reconcile them manually in a spreadsheet.

Are any products mentioned here more tailored to that use case? More about the transaction log and quick glance at assets/debts than the budgeting and charts?

Re: What happened to Mint?

#130

Post by heliostatic »

sugarpile wrote: post #93

I've been using https://lunchmoney.app/ since it launched. On top of being one of the cleaner saas apps I use the developer has been super responsive whenever I've submitted feedback or feature requests. It's the first budgeting/expense tracking app I've ever actually stuck with which I attribute to the aforementioned "cleanness"/usability. Genuine +1 from me (and I'm not even including my referral link)

I've also become a Lunchmoney convert. To me, it really has the feel of Mint in the early days -- responsive developer, clean UX, and narrow focus. Definitely a product I'm happy to pay for.
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