Anyone here use mint.com?

[Anonymous]

Anonymous wrote:

Anonymous wrote:

Anonymous wrote:

Anonymous wrote:millennial here (unlike pp grandpa above) so my info has likely been stolen by hackers / is out there already / who wants my law school loans / idgaf

I love mint and use it and have been using it for at least 3 years - it got me started and mindful to track expenses, budget, set reminders, see the whole picture financially (including TSP which many programs can't connect right to). It's clean, you're able to customize it including reminders, and once you get in the groove identifying vendors you use often the system remembers. I can tell you how much I spent in January of 2015 on work lunches and specifically potbellys (you literally just search in a second) unlike your bank statements. and yes, I use turbo tax.

also, the program is always updated so it won't be abandoned like other "financial management systems"

I'm the PP and I'm a Millenial who also went to law school. I'm just not an idiot.

lol you probably cover the PIN pad when you type in your bank code....get real, your info is already out there, it's all saved somewhere and that somewhere isn't any safer than mint. think Sephora security breaches, Target credit card info leaking, and oh not to mention, I work for govt and also enjoyed a lovely OPM breach in 2015 for my info and everyone else's on my security application including social addresses etc.

basically, to the OP, don't let the "access" issue to mint deter you from using mint.

So you gave your entire banking info to some random free personal finance app - basically, you give them carte Blanche access to every single thing you spend money on, when you did it, how much money you make, what you save it in, et etc...and you're okay with it.

Okay dumbass. New drinking the Koolaid.

The thing that amazes me with Mint is that even with unfettered access to years' worth of all of our joint credit card spending, its ad targeting is GARBAGE! Just as an example, we're superprime transactors (ie high credit scores, pay off our balance every month) and last year my sister let us put her DD's private school tuition on our card so we could get airline rewards points for it. So we had a $40K balance for one month which was immediately paid off, just like every other balance we've ever had, AND mint could see that the entity receiving the payment was clearly "X FANCY PRIVATE SCHOOL". Yet Mint is now spamming us with ads for low interest rate debt consolidation loans and balance transfers. It's amateur hour over there! I'd be pretty pissed if I were paying for ads on Mint and they were being targeted so poorly.

[Anonymous]

Anonymous wrote:I hate mint- for a variety of reasons. I love you need a budget YNAB. I've been using it for over a year. It has the option to automatically sync with your bank account but I actually like entering my own transactions. Ok. I don't like it, but I find if very useful. It has definitely helped me save money and keep track of my spending.

OP here. I like the idea of being able to update it manually through YNAB. At least there are fewer data transfers going on over the internet.

Thanks for the feedback everyone

[Anonymous]

I've used mint for several years and like it. Is it perfect? No. I wish I could segment retirement accounts, kids 529s, etc from other types and some other features. I used Quicken for years but Mint needs less effort. I use it for general history of transactions where I can add notes (e.g. for tracking expenses I had on a rental property) and seeing net worth and its history in a single place. It's not updated that much that I can tell. I'd pay for it if they'd add some more features. Overall, it's decent for what I use it for. I like the web access too vs installed products. I don't use the budgeting features in it.

[Anonymous]

Anonymous wrote:It kept miscategorizing my expenses so I stopped using it. Trying ynab net, just haven’t set it up yet.

Did you use the option to categories things permanently in the future? For example, if mint is logging Target expenses as __ and I want it under a different category, I can set it to always categorize Target expenses as that thing.