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What happened to Mint?

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Re: What happened to Mint?

#181

Post by lotsofpulp »

SnowingXIV wrote: post #65

It's a real shame that there isn't legitimate competition in this space. And before you mention it, personal capital is not a replacement as it solves a different problem. One place to aggregate all financial accounts and give a clear picture, including bills, investments, categories, trends, credit score checks, and budgeting. Everything is easily synced. I don't need a desktop app, just a web app and an iOS app. Th…

>One place to aggregate all financial accounts and give a clear picture, including bills, investments, categories, trends, credit score checks, and budgeting. Everything is easily synced. I don't need a desktop app, just a web app and an iOS app.

Most big US financial institutions offer it for free. BoA/AmEx/USAA are just a few named in this very thread.

Re: What happened to Mint?

#182

Post by Ididntdothis »

mherdeg wrote: post #86

I don't know whether this is just nostalgia, or maybe my finances used to be less complicated, but nothing beats the experience I had with the Microsoft Money desktop app. It was easy to download transactions from participating banks (I think in OFX format?) and it was easy to see the last successful sync date per account. The UI made it straightforward to categorize my transactions and dead-simple to compare monthly…

Totally agree. Microsoft Money was close to perfect sometime in the 2000s. I am really sad that it got abandoned.

Re: What happened to Mint?

#183

Post by lotsofpulp »

alistairSH wrote: post #127
0xffff2 wrote: post #80

Earlier quoted context omitted.

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.

It also boggles my mind that people are willing to give others their login credentials, even so far as to give all of their login credentials to one entity!

Re: What happened to Mint?

#184

Post by lotsofpulp »

freeone3000 wrote: post #106
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.

The value is in automatically adding transactions live, which requires access to live transaction streams from all of your accounts. If you want to do it manually... Excel, maybe?

Seems like all the big banks already have that functionality.

Re: What happened to Mint?

#185

Post by metalliqaz »

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)

Does it ingest transaction data from all major credit cards like Mint can? It only says "banks" on the landing page.

Re: What happened to Mint?

#186

Post by windthrown »

shaunparker wrote: post #18
decasia wrote: post #4

It sounds like the answer is pretty straightforward — Mint was acquired and then semi-abandoned for want of providing sufficient revenue/having a sufficiently profitable business model. The question in my mind is: What is the matter with global banking institutions such that this has to be a third party service instead of a service that a well-organized banking consortium could provide to its clients? I would totally…

USAA's checking/savings accounts have most of those features. You can connect external bank and investment accounts. Track home value. Categorize transactions. There's more features, those are just the ones I know about. That said, I still use Personal Capital to track my finances.

Out of curiosity, why do you prefer Personal Capital to USAA?

Re: What happened to Mint?

#187

Post by Richicoder »

Sytten wrote: post #113

I started using Actual Budget[0] and I love it. Not more SaaS that can break a any moment or sell my data. End-to-end encryption and scripting built-in is just perfect for me. [0] https://actualbudget.com/

I'm really intrigued by this, but the lack of bank syncing is kinda killer for me. That said he's been adding features at a pretty fast clip so it may have the level of parity I want this year.

Re: What happened to Mint?

#188

Post by Richicoder »

shaunparker wrote: post #18
decasia wrote: post #4

It sounds like the answer is pretty straightforward — Mint was acquired and then semi-abandoned for want of providing sufficient revenue/having a sufficiently profitable business model. The question in my mind is: What is the matter with global banking institutions such that this has to be a third party service instead of a service that a well-organized banking consortium could provide to its clients? I would totally…

USAA's checking/savings accounts have most of those features. You can connect external bank and investment accounts. Track home value. Categorize transactions. There's more features, those are just the ones I know about. That said, I still use Personal Capital to track my finances.

It has them, but I have to say it is a _slog_ to use them compared to early-days Mint. If USAA could give them a coat of polish and a speed boost then I'd drop Mint wholesale.

Re: What happened to Mint?

#189

Post by roywiggins »

throw_14JAS wrote: post #167
roywiggins wrote: post #52

Earlier quoted context omitted.

Mint never really lost its soul. It always seemed like it was going to try and upsell me on stuff, but that was fine by me because I'm not in the market for new credit cards or whatever. But I guess that's part of the problem, and they're just not making much money off referrals and therefore can't be bothered to improve the product? The problem for me with Mint is that it just... stopped getting any updates, and the…

I'm super interested in this solution, can you expand a bit on your motivations and help me better understand the problem? I see a lot of times, people export to Excel to do their own analysis. I think there is something about doing it "my way" that helps me connect with the data, whether it's budgeting or (my current project) fantasy sports. Specifically, what value do you get from exporting and creating your own gr…

Specifically I wanted a stacked bar chart so I could see spending over time broken out by category. So if I had a spike, I could see "oh, I bought a plane ticket that week" and I could toggle categories on and off, and just have a graph with, say, groceries and fast food over time. Excel makes this reasonably easy to do, but you can't do it at all in Mint.

One day I will throw it into an instance of http://redash.io and have more fluent access to the data, since I write SQL-backed graphs in my actual job I'm much better with it than Excel.

Re: What happened to Mint?

#190

Post by apearson »

3JPLW wrote: post #160
lxe wrote: post #149

I've been using Mint daily for 12 years. The #1 thing that I need from Mint is 100% reliable integrations so it can automatically pull all my data, which it no longer provides. I have been talking to their support for about a year asking to fix an integration with US's largest mortgage servicer. The #2 thing is reliable inference of transaction categories. That's also starting to wither. Categories are all over the p…

I use Mint purely as an API to coalesce and export the transaction history. I then use a Google Sheets workbook to view my balance and expenditures (by Mint-assigned category) over time — allowing for coarse insights, prioritization, and adjustment. The Mint-assigned categories are terrible, and I regularly have to review and re-assign categorizations.

It you’re just using it to get data into Google Sheets then you should checkout https://Tillerhq.com
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