Oh good, I thought this was about the Linux distro.
Similarly, I thought this was Mint Mobile – i just paid for a three month contract to use on my work phone
This is not the mobile thing as well? Way too much stuff called mint…
I thought “Oh no! Did Canonical get jealous and do something nefarious?”
LMDE basically exists for such an event.
Oh phew, I thought this was Linux Mint
I thought it was mint mobile
I thought the same, mint mobile. I was like wtf does credit karma have to do with phone service.
I thought it was Big Mint. Global supply shortages have wreaked havoc on mojito availability!
I thought it was the US Mint, and we’d have no more coins.
I thought this was the family of plants called Lamiaceae
Also thought linux mint
(mispost)
I think “Credit Karma” is the name of the next version of Ubuntu.
Kredit Karma for the usual alliteration
That would’ve been tragic.
Same here, got nervous
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You gots to diversify yo vids and shit
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Might I recommend getting into the budgeting space?
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Yeah, you could open with a feature on the budgeting app Mint perhaps, you know before it goes away at the end of this year.
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Thank god, I thought this was about the herb.
The herb is a weed that can’t be killed once it gains a foothold.
What’d you put it on your foot for dummy
It is insane how well it grows and spreads.
You should dry and sell it…
You’d make a mint.
Well that’s just the thing, I’ve already made the damn mint!
Unlike the company
That’s good if you have a middle eastern diet.
That’s the truth right there, we planted some in our edible garden this summer and it overtook everything. Crazy.
What I’m gathering from this thread is that too many things are named mint.
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.
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.
Mint very quickly gave me the feeling of original devs cashing out just in time before the new owners found out its intervals were toothpicks intricately held together
That’s the dream
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Lol comments are hilarious. Everyone thinking of a different Mint
Oh man I thought I was going to have to get another mobile provider. But thank goodness it’s not about Mint mobile
same here, thought my 1 year data top-up was a waste…
Good. Mint sucks. Fuck Intuit.
Use Lunch Money or YNAB.
$100/yr or $15/mo? Wtf
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.
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
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.
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!
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.
Thanks for the recs. Do either work especially well with securities?
Personal Capital or whatever they rebranded to has been generally stable since I left mint a few years ago.
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.
I just set this up myself a few days ago, though because it doesn’t sync for non-EU banks, I haven’t gone further yet.
It’s awesome. I recommend not linking bank accounts anyways and doing all transactions manually. Helps with keeping track with your budget better, imo.
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.
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.
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.
If you like using spreadsheets you should check out Tiller.
I tried it and saw its promise, but I don’t love spreadsheets.
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.
How are you entering transactions? Manually?
Each month I download a spreadsheet of transactions from my bank’s website. I only manually set categories for things not previously seen.
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.
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.
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I personally use Budget with Buckets and it’s working quite well.
I just sync my file to a common server for my backup and syncing.
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
As a user of YNAB, I’m glad there’s an open source option, as well. The method/approach really clicked for me.
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Wow thank you so much! I have been looking for an alternative to YNAB. 🥹
Oh thank goodness, I thought this was about junior mints.
Oh thank heavens, I thought they were shutting down the economies of Mexico, Indonesia, Nigeria and Turkey
To those who have already switched (whether to Credit Karma or another service): What are you using and why do you like it?
I’ve used !ynab@lemmy.world for a while and love it. It’s helped me get out and stay out of debt for 8 years now.
Ew subscription budgeting.
Anyone thinking of looking into this ^ it’s a subscription product. Saved you a click.
Yes, good services do tend to cost money. Been worth every penny in my experience
Paying for software is fine. Paying way more in perpetuity because fuck you is trash.
Being condescending is even more trash.
And it’s worth it. It will save you more than you pay for it
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.
Does credit karma still at least post transactions? Can’t check myself until I get home from work.
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.
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.
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.
Praise the Nine I thought this was about US Mint.
I thought this affected Doublemint gum.
Would it then just be singlemint? Or would it be double gum?
Been wanting to switch to a local-only solution for ages, guess they’re forcing me to hurry up :D
I made the move years ago and haven’t regretted it at all. I just hate that most of the solutions are subscription crap (looking at you YNAB) though the one I use is a pay once service unless you pay for the bank connection.
I got YNAB 4 in a Steam sale before it was delisted and I don’t understand what the subscription version could possibly add to make it worth the cost. Having it connect to your accounts is more convenient than downloading OFX files, but that’s not worth $99/year.
Yep, still rocking my YNAB4 from steam too. Agree, the new one adds nothing for me either.
I tried YNAB 4 back in the day, but in the end decided to go with Moneydance.
I just heard about Cashew which I think ima try and switch to. What are you on?
I use Moneydance, it isn’t the prettiest program out there, but it does what I need better than anything else I’ve tried and is available for every platform you can think of. I like that it is a one time cost as well, paying a subscription for this type of software seems insane to me.
Such a thing exists? I haven’t been able to find something that will connect to my accounts and pull data automatically.
Ah nothing that pulls the data automatically but, I stopped sharing my bank passwords with them anyway cause it felt kinda sketch haha
I feel that same, I stopped using mint for that reason but I haven’t found a self hosted replacement yet.
The “Sunset” edition of Microsoft Money is still available for free, although not directly from Microsoft anymore. It’s old but it can handle regular accounts and investment accounts; no online functionality, but it supports importing OFX files, and QFX files if you change the file extension.
