this post was submitted on 04 Nov 2023

102 points (93.2% liked)

News

22839 readers

5325 users here now

Welcome to the News community!

Rules:

1. Be civil

Attack the argument, not the person. No racism/sexism/bigotry. Good faith argumentation only. This includes accusing another user of being a bot or paid actor. Trolling is uncivil and is grounds for removal and/or a community ban.

2. All posts should contain a source (url) that is as reliable and unbiased as possible and must only contain one link.

Obvious right or left wing sources will be removed at the mods discretion. We have an actively updated blocklist, which you can see here: https://lemmy.world/post/2246130 if you feel like any website is missing, contact the mods. Supporting links can be added in comments or posted seperately but not to the post body.

3. No bots, spam or self-promotion.

Only approved bots, which follow the guidelines for bots set by the instance, are allowed.

4. Post titles should be the same as the article used as source.

Posts which titles don’t match the source won’t be removed, but the autoMod will notify you, and if your title misrepresents the original article, the post will be deleted. If the site changed their headline, the bot might still contact you, just ignore it, we won’t delete your post.

5. Only recent news is allowed.

Posts must be news from the most recent 30 days.

6. All posts must be news articles.

No opinion pieces, Listicles, editorials or celebrity gossip is allowed. All posts will be judged on a case-by-case basis.

7. No duplicate posts.

If a source you used was already posted by someone else, the autoMod will leave a message. Please remove your post if the autoMod is correct. If the post that matches your post is very old, we refer you to rule 5.

8. Misinformation is prohibited.

Misinformation / propaganda is strictly prohibited. Any comment or post containing or linking to misinformation will be removed. If you feel that your post has been removed in error, credible sources must be provided.

9. No link shorteners.

The auto mod will contact you if a link shortener is detected, please delete your post if they are right.

10. Don't copy entire article in your post body

For copyright reasons, you are not allowed to copy an entire article into your post body. This is an instance wide rule, that is strictly enforced in this community.

founded 1 year ago

MODERATORS

[email protected]

102

Mint, One of the First Budgeting Apps, Is Shutting Down (archive.ph)

submitted 10 months ago by Reverendender to c/[email protected]

29 comments fedilink hide all child comments

I've used Mint for many years. It has never worked well, its budgeting tools are inaccurate, and the UI is garbage. I guess you can say I'm not too broken up about this. I do very well with an Apple Numbers spreadsheet every month. That said, if there are other better options out there, I would consider them.

all 30 comments

sorted by: hot top controversial new old

[–] [email protected] 26 points 10 months ago (1 children)

Holy fucking fuck this is GREAT news. Mint user for years, attached all my bank and credit card info, it gave me an overview of my finances like a real live human functioning adult, it was great. Then INTUIT bought Mint, and I stopped using it, I didn't even detach any of my accounts for fear, anything I did would allow INTUIT more access or trigger something that would fuck me up.

Now it's closing down, you say? FOOOKIN BRILLIANT. Fuck INTUIT.

Also, related, I used to use Credit Karma, for years I'd log in once a week to check my credit score and see if there was anything I needed to deal with, then fucking INTUIT bought that too, but I was so pissed off, I waited the 20 minutes to chat up a customer service person and demanded they close my Credit Karma account, and delete my data, and they did.

Fuck fucking INTUIT motherfuckers, fuck

[–] [email protected] 2 points 10 months ago

I like your style.

[–] [email protected] 10 points 10 months ago

Once they sold to Intuit, I was fine with them fucking right off.

[–] [email protected] 8 points 10 months ago (1 children)

I liked mint because of the trends that it could report over months of time. I’ve started using you need a budget which has been going well. It requires more user input, but i feel like it’s similar to balancing a checkbook ( I’m assuming, I never had to do that). I’ll have to figure out how to get annual reports out of YNAB, but it shouldn’t be difficult.

[–] Reverendender 5 points 10 months ago (3 children)

I really gave YNAB a serious go. I hated it. I talked regularly with their CS and just could not make sense of it. I found it maddening. Maybe it’s my shortcoming, but what a miserable experience.

[–] [email protected] 2 points 10 months ago

I also spent a lot of time reviewing the budgeting process with their support team. It’s definitely a change of pace but it’s something I can accommodate. The best budgeting app is the one that works for you 🤷🏻‍♂️.

[–] [email protected] 2 points 10 months ago (1 children)

I've been using YNAB classic for many years even after support has been dropped. The Android app is no longer supported so its only a matter of time before I am forced to either go with their monthly subscription or find something new. I'm passively looking for my next budget system.

[–] [email protected] 3 points 10 months ago (2 children)

What bums me out is that there was another web app called Financier, which actually happened to have been developed by the same guy that made Voyager for Lemmy. He stopped developing it a while back though. It was pretty nice and I think he even open sourced it, though I can’t recall for sure.

If it’s still around, it may be an option, and I remember it did have some sync capabilities between devices.

[–] [email protected] 2 points 10 months ago* (last edited 10 months ago)

https://financier.io/

https://github.com/financier-io/financier

MIT license, no commits to github since Aug 2022.

[–] [email protected] 1 points 10 months ago

This looks like a clone of YNAB. Looks to be open sourced though not actively developed. I wonder if this might be a way off the legacy YNAB.

[–] [email protected] 0 points 10 months ago

SAME. Confusing as fuck.

Tiller makes sense to me, on the other hand.

[–] [email protected] 7 points 10 months ago

I used it years ago but I kept getting logged out of all the accounts it integrated with. It's just got annoying having to reconnect each time so I stopped using it.

Google Sheets for me these days. Lol

[–] [email protected] 4 points 10 months ago

The only features I appreciated were "free" and "can import data from (almost) everywhere."

I'm willing to give up the former, but I'd really miss the latter - I use Mint mostly to track spending.

[–] [email protected] 4 points 10 months ago (2 children)

I switched to personal capital years ago because of the better UI compared to mint. Linking to other accounts also seemed to work better. Empower bought them a few years ago, but hasn't enshittified the site much yet. I would still recommend trying it. The service is free, but they will try to bug you from time to time to change your investments.

[–] Reverendender 1 points 10 months ago

I tried it. They can’t sync with Apple Card.

[–] burrito 1 points 10 months ago

Same here. The Personal Capital tools are amazing. I really hope Empower doesn't mess it up because I've put a ton of work into getting everything the way I want it.

[–] [email protected] 4 points 10 months ago

Many online bank sites have built-in budgeting tools these days. Have you checked if yours does?

[–] [email protected] 3 points 10 months ago* (last edited 10 months ago) (1 children)

Dang, I used Mint to get a nice overview of how much is in all my credit cards/bank accounts, a comprehensive list of all purchases, and reminders of when bills are due.

I have signed up for a trial of YNAB, but I'm so dang confused about how to use it so far. I'll keep trying, since I have 1 month, but its not a good first impression.

EDIT:
I'm trying out Empower and that one seems to be working for me as a good overview of my finances.

[–] Reverendender 3 points 10 months ago (1 children)

YNAB is just awful, and I do not understand how anyone uses it.

[–] [email protected] 4 points 10 months ago (1 children)

It’s the only one of these I like. I think it’s great.

[–] [email protected] 2 points 10 months ago* (last edited 10 months ago)

Same. YNAB is more focused on where you assign/shift tasks for your money to do rather than just tracking where all my money's gone. It's envelope budgeting with an app to me, and I'm way more conscious now of whether I can afford things or not.

The only thing I miss about classic YNAB is having a local desktop copy of my data, even when I had to sync through dropbox.

Edit: was considering linking the subreddit, but just found we have a decent lemmy instance: https://lemmy.world/c/ynab

[–] [email protected] 2 points 10 months ago* (last edited 10 months ago)

Mint was always such a pain to use, it literally felt like a better version of spreadsheets at times.

I haven't used budgeting tools recently, but there was one called Emma I think, they're based out of the UK. And I think there was one called TrueBill though I never used them myself.

EDIT: okay so TrueBill got acquired and are now 'Rocket Money'

[–] [email protected] 1 points 10 months ago

Can’t view article. Any particular reason why?

Seems like easy enough access of peoples data to easily sell and profit from. I can imagine creating and maintaining integrations with various banks or systems could be annoying.

[–] [email protected] 1 points 10 months ago

I started using Simplifi, also from Intuit. It is paid, but much better than Mint.

[–] [email protected] 0 points 10 months ago* (last edited 10 months ago) (2 children)

Monarch is great They're running a 60 day trial for new accounts right now too https://www.monarchmoney.com/referral/iufdeoug31

[–] [email protected] 4 points 10 months ago (1 children)

Looks intriguing but $100 USD a year is a lot for me

[–] [email protected] 1 points 10 months ago* (last edited 10 months ago)

I understand My pro-tip is sometimes they run sales for 50% off so only $50.

Try during black friday this year

I gotta say its really good with connecting to financial institutions and categorizing expenses automatically so imo its been v helpful with tracking spending categories like groceries, gas, misc, eating out, etc. Better than mint when I used it

[–] Reverendender 1 points 10 months ago (1 children)

Doesn’t sync with Apple Card

[–] [email protected] 1 points 10 months ago

😢

Definitely should report that. But they're dev is really good and they have great customer support!