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What happened to Mint?

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Re: What happened to Mint?

#271

Post by altec3 »

HashHishBang wrote: post #206
L_Rahman wrote: post #154

Earlier quoted context omitted.

This is the main reason I stopped using it. I don't know if they pushed an update to transaction tagging, but it got really bad all of a sudden making the product much less useful to me.

Agreed. I don't know what they did but having to consistently re-categorize rent payments from whatever nonsense they were auto-categorized as killed it. Automation is great when it doesn't get things comically wrong.

I always assume that once I categorize a recurring bill as something, it will always be categorized that way. If feels like it takes recategorizing it many times before the category sticks. Which is really annoying.

Re: What happened to Mint?

#272

Post by wyclif »

ASinclair wrote: post #135
sshumaker wrote: post #57

Earlier quoted context omitted.

This space is really difficult to crack for a few non-obvious reasons. The first is that the total TAM is less than you think; for most people, tracking their spending to manage budgets just doesn’t appeal to them. For many consumers, just seeing all of their finances is incredibly depressing. I suspect the 13mm Mint users are a large portion of the addressable market for this kind of product. So without a strong mon…

> I think you could run a reasonable lifestyle business here if you don’t take VC, but I’m skeptical this can ever be truly mass-market. You Need a Budget (YNAB) is proof of this. I don't believe they've taken any VC funding and are a pretty successful lifestyle business in the Budgeting/Finance space.

I hate the phrase "lifestyle business." Look: it's a business. No, it's not going to make VCs billionaires. But it's a perfectly respectable business nonetheless. Nothing wrong with that.

Re: What happened to Mint?

#273

Post by shashank »

kposehn wrote: post #267
jedc wrote: post #262

I can't believe no one here has mentioned Buxfer (YC W07) yet! - https://www.buxfer.com/ I've tried a bunch of these apps and they're either too expensive, don't support multiple currencies (a deal-killer for me), or don't work well. I highly recommend them. The founders have kept it alive and even launched a much better account syncing feature in the last few months - I happily pay for their $5/month Pro account.

I’ve never seen them before - and it allows me to enter transactions ahead of time! However, it can’t track stock options without doing it manually. Wish they supported that.

Founder here.

Our product is very optimized for people who want to see things ahead of time. Entering stuff manually, reminders, budgets, forecasting, all the way up to retirement planning.

About stock options: We do support automatic syncing with investment accounts. Is your institution not supported? Or is there some other issue you are facing?

If you'd like, you can email me at shashank@buxfer.com and I would love to assist you further.

Re: What happened to Mint?

#276

Post by gbasin »

ghostpepper wrote: post #254

The killer feature I am waiting for is any site or app with automatic transaction importing from my bank without requiring me to input my online banking password and thus being one data breach away from someone having full access to all my accounts (sms-based 2FA notwithstanding) This is a solved problem in tech (OAuth, I think) so clearly there are perverse financial incentives (ie. my bank doesn't want to make it e…

Yes, you need bank collaboration and they don't want to share the data. Right now the only way to get it is web scraping, basically.

You could create a company that stores all your credentials for you, and they perform an OAuth layer, but then you have to trust them :)

Re: What happened to Mint?

#277

Post by klohto »

ghostpepper wrote: post #254

The killer feature I am waiting for is any site or app with automatic transaction importing from my bank without requiring me to input my online banking password and thus being one data breach away from someone having full access to all my accounts (sms-based 2FA notwithstanding) This is a solved problem in tech (OAuth, I think) so clearly there are perverse financial incentives (ie. my bank doesn't want to make it e…

Spendee? Not sure if they expanded out of Europe finally.

Re: What happened to Mint?

#278

Post by mywittyname »

basch wrote: post #205
sciurus wrote: post #99

Earlier quoted context omitted.

Try Personal Capital ( https://www.personalcapital.com/ ). I used Mint for years but jumped ship about 6 months ago and am glad I did so.

Ive had both for forever, and I dread the day I need to export all my custom categorizations and reinput them into pc. And ill lose all my budget vs actual data. If you were just starting out now, Im not sure what id recommend, because mint still does some things better (maybe im just more familiar with) than pc. But in a strict sense, pc is lightyears ahead of mint. I might have some stockholm syndrome. I love being…

Export it to excel / sheets and don't look back.

I started doing this a while ago because Mint only tracks the maximum account value for a particular month and doesn't let you modify historical data. So once or twice a year, something with an account would change and I'd end up with a month with a 70% or something jump in net worth which would drop off the next month.

Plus, you can do projections with excel.

Re: What happened to Mint?

#279

Post by frockington1 »

joshgachnang wrote: post #128

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.

If your bank supports it, Quickpay with Zelle is 10x easier than Venmo in my experience. And you don't have to leave your banking app

Re: What happened to Mint?

#280

Post by mbajkowski »

dharmab wrote: post #174
wpietri wrote: post #96

Earlier quoted context omitted.

Could you say what's good about it for you? Like task-management software, I think the "money management" category hides a lot of variation in how people think about and do things. The right product for one person is definitely the wrong product for another.

I switched because Personal Capital has much nicer UI and tools for understanding your investments. As my income increased over my career I found that budgeting was becoming the least complex part of my financial life compared to managing retirement, brokerage, stock grants, etc. funds.

I agree on PC being much better in tracking investments and performance especially as net worth increases compared to mint. I have also found it to be more solid connection wise vs. Mint over the last year where mint has really gone downhill for me for some reasonwith many unresolved issues, whereas the PC support tickets I filed were resolved rather promptly. Not all is great, categorization and tagging of transaction is terrible, and you can't have sub categories, so if you need that, you need to use something else, which is not great.
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