Intuit wants users to migrate to Mint.
  • Pxtl@lemmy.caEnglish
    2199·
    1 年前

    Oh good, I thought this was about the Linux distro.

    • Mobiuthuselah@lemm.eeEnglish
      25·
      1 年前

      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.

  • OldWoodFrame@lemm.eeEnglish
    74·
    1 年前

    I used to use Mint before they got acquired, I stopped in 2012ish for security concerns because back then the way you connected was just giving them your password.

    Also it broke all the time and my student loans got stuck while my checking accounts didn’t so it ruined my net worth chart which was like 80% of why I liked it.

    But, shame it’s shutting down even if I didn’t like it I’m sure it was useful to others.

  • AlphaOmega@lemmy.worldEnglish
    552·
    1 年前

    Oh man I thought I was going to have to get another mobile provider. But thank goodness it’s not about Mint mobile

    • rambaroo@lemmy.worldEnglish
      182·
      1 年前

      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.

      • bitsplease@lemmy.mlEnglish
        32·
        1 年前

        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

        • rambaroo@lemmy.worldEnglish
          22·
          1 年前

          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.

          • bitsplease@lemmy.mlEnglish
            2·
            1 年前

            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!

    • rengoku2@lemm.eeEnglish
      61·
      1 年前

      Not paying subs for YNAB.

      Unless you talk about YNAB4 now that is gold.

    • banneryear1868@lemmy.worldEnglish
      42·
      1 年前

      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.

      • dogebread@lemm.eeEnglish
        8·
        1 年前

        Personal Capital or whatever they rebranded to has been generally stable since I left mint a few years ago.

  • ChickenAndRice@sh.itjust.worksEnglish
    39·
    1 年前

    If someone is looking for a local hosted budgeting alternative, consider using Actual Budget. It’s an open source app that’s similar to YNAB

    https://github.com/actualbudget/actual

    Edit:

    Also this is an interesting read from the original developer of Actual. Basically, it started as a closed source web app funded by a subscription model. When the business failed, he decided to open source it

    https://actualbudget.com/open-source

    • QuiteQuickQum@lemmy.worldEnglish
      4·
      1 年前

      As a user of YNAB, I’m glad there’s an open source option, as well. The method/approach really clicked for me.

    • missveeronica@lemmynsfw.comEnglish
      21·
      1 年前

      Thank you for posting this. Stupid question, how do I download just to put it on my laptop? I don’t download from github a lot and I’m a little lost pulling down the exe.

      • n2burns@lemmy.caEnglish
        2·
        10 个月前

        I don’t think it’s offered as as an exe as it’s server-client model where you access it through a web-browser. If you want to just run it on your laptop, it can be both your server and client. The installation instructions are here, and there are also instructions for Docker on the left-side menu.

  • linearchaos@lemmy.worldEnglish
    37·
    1 年前

    Pretty much just gone back to a spreadsheet.

    insights about spending up and down per category and automatic categorization was pretty nice.

    Budget targets were nice.

    I’ve been meaning to look around for something self hosted or FOSS.

      • ioslife@lemmy.sdf.orgEnglish
        71·
        1 年前

        It’s awesome. I recommend not linking bank accounts anyways and doing all transactions manually. Helps with keeping track with your budget better, imo.

        • Goronmon@kbin.social
          12·
          1 年前

          Problem is when you procrastinate because manually importing transactions and correcting them is just annoying enough to make it a hassle. Then the transaction batch gets too large and you can’t remember details anymore so you give up and don’t track your budget at all.

          That’s been my experience in the past at least.

          • whynotzoidberg@lemmy.worldEnglish
            1·
            1 年前

            This. I went back to my XLS because it’s much easier to manage and massage the data.

            I did like some parts of Actual Budget, and incorporated them into my spreadsheet.

    • Dave@lemmy.nzEnglish
      51·
      1 年前

      I use a spreadsheet. I have a macro for categorisation but you could probably do it with vlookup instead.

      I like using a spread sheet because I’m not locked in to anything, and neither is my data.

        • Dave@lemmy.nzEnglish
          4·
          1 年前

          I have my spread sheet set up just how I want it, based on what I am looking for in a money management tool. I’ve come to accept that no other tool will do what I want as well as the thing I set up myself.

            • Dave@lemmy.nzEnglish
              2·
              1 年前

              Each month I download a spreadsheet of transactions from my bank’s website. I only manually set categories for things not previously seen.

      • Spastickyle@lemmy.worldEnglish
        3·
        1 年前

        I also have a robust spreadsheet that has enough VLOOKUPs to choke a supercomputer. Mint was just an aggregate for all my financial institutions that I could then export from the site and into my spreadsheet. I’m willing to pay for this aggregate service, just not a lot.

        • Dave@lemmy.nzEnglish
          3·
          1 年前

          I can export spread sheets from my bank website and then have them automatically processed. I do it once a month, and it’s only a couple of minutes to do. I can understand the appeal of an aggregate service but I don’t find it helpful in my case.

  • 3ntranced@lemmy.worldEnglish
    394·
    1 年前

    Oh thank heavens, I thought they were shutting down the economies of Mexico, Indonesia, Nigeria and Turkey

  • MrTHXcertified@lemmy.sdf.orgEnglish
    27·
    1 年前

    To those who have already switched (whether to Credit Karma or another service): What are you using and why do you like it?

    • Judgy_McJudgerson@lemm.eeEnglish
      5·
      1 年前

      I switched before this because I wanted to keep an eye on my credit score. Credit Karma gives me both scores and with more detail than I was getting from Mint.

      • CraigeryTheKid@lemm.eeEnglish
        3·
        1 年前

        Does credit karma still at least post transactions? Can’t check myself until I get home from work.

        • Judgy_McJudgerson@lemm.eeEnglish
          1·
          1 年前

          No. I can’t see how I spend my money on there unfortunately. It’s also big on advertising like “you should get another credit card. Here’s some preapproved offers!”

          But Tbf, I barely notice the lack because Mint could never get my transactions right anyway and was constantly disconnecting accounts.

    • psycho_driver@lemmy.worldEnglish
      2·
      1 年前

      I’d recommend avoiding Credit Karma. It was great until it was bought by Intuit a couple of years ago. I don’t know that it’s changed a ton yet, but Intuit, so if it hasn’t enjoy that while it lasts I guess.

    • Thunderbird4@lemmy.worldEnglish
      1·
      1 年前

      I guess it depends on what you’re using Mint for, but I’ve been getting a lot of use out of Empower (formerly Personal Capital) for tracking all my accounts in one place. No subscription or anything, just some pressure, sometimes including phone calls, to use their financial advisor services.

      I’ve had an account with Credit Karma for ages and I’m not sure what service they offer that would be comparable, but they were bought by Intuit a few years ago, so I’d find it hard to recommend them for much anymore.

      • Spastickyle@lemmy.worldEnglish
        12·
        1 年前

        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?

        • huginn@feddit.itEnglish
          9·
          1 年前

          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.

        • jmp242@sopuli.xyzEnglish
          1·
          1 年前

          I guess it’s like quickbooks. It can import financial institutions transactions downloads I believe.

        • Goronmon@kbin.social
          2·
          1 年前

          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.

      • d13@programming.devEnglish
        3·
        1 年前

        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.

          • d13@programming.devEnglish
            1·
            1 年前

            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”.

      • bluemellophone@lemmy.worldEnglish
        1·
        1 年前

        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.

    • papertowels@lemmy.oneEnglish
      6·
      1 年前

      I use budget with buckets. Similar to ynab, however syncing, if you want it, only costs $15/year. Free unlimited trial.

      • Spastickyle@lemmy.worldEnglish
        4·
        1 年前

        Can Budget with Buckets pull itemized transactions from my credit card and bank institutions like Mint?

        • papertowels@lemmy.oneEnglish
          1·
          1 年前

          Yup, you can either set up macros (never used these) or pay for simplefinbridge (1.50/month or 15 bucks/year)

    • capital@lemmy.worldEnglish
      4·
      1 年前

      I’m really liking Tiller.

      I found it much easier than YNAB to understand and it all stays in a spreadsheet I control.

    • Chozo@kbin.social
      41·
      1 年前

      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.

    • paddirn@lemmy.worldEnglish
      2·
      1 年前

      Same, goddamnit. I hope they have some sort of option to export out all my data to bring somewhere else, though I doubt it.

    • AbsorbsQuickly@lemmy.worldEnglish
      2·
      1 年前

      It’s not free but I moved to monarch money and am very happy with everything other than the janky sync for amex cards.

    • aceshigh@lemmy.worldEnglish
      35·
      1 年前

      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.

      • papertowels@lemmy.oneEnglish
        2·
        1 年前

        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.