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
I had a similar thought, considering I just started my YouTube channel around Linux Mint content 😅🥲
You gots to diversify yo vids and shit
That’s pretty fair criticism. Got any suggestions?
Might I recommend getting into the budgeting space?
Like finance budgeting?
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.
I’ll be honest. I don’t know much about finance except for trading stocks and options. The only advice I’ll give related to that is do your own research.
deleted by creator
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…
deleted by creator
LMDE basically exists for such an event.
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.
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.
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
deleted by creator
Lol comments are hilarious. Everyone thinking of a different Mint
Good. Mint sucks. Fuck Intuit.
Use Lunch Money or YNAB.
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.
$100/yr or $15/mo? Wtf
Not paying subs for YNAB.
Unless you talk about YNAB4 now that is gold.
Same. They can’t justify me to pay a fee that increases every year.
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 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.
deleted by creator
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.
Oh thank goodness, I thought this was about junior mints.
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
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 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.
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.
Oh thank heavens, I thought they were shutting down the economies of Mexico, Indonesia, Nigeria and Turkey
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
As a user of YNAB, I’m glad there’s an open source option, as well. The method/approach really clicked for me.
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.
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.
Damn I still use this. Now what should I use for budgeting?
Gnucash can do this and is floss so won’t really go away.
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?
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.
I guess it’s like quickbooks. It can import financial institutions transactions downloads I believe.
Do I need to know programming or enjoy spreadsheets to use this?
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.
Hmm, okay, then it’s not what I’m looking for.
No more than you needed to use quicken back in the day.
I use YNAB and really like it
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.
Do you mean rule-based by Payee? That’s definitely something it does.
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.
I use budget with buckets. Similar to ynab, however syncing, if you want it, only costs $15/year. Free unlimited trial.
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.
Personal capital works for me
I’m really liking Tiller.
I found it much easier than YNAB to understand and it all stays in a spreadsheet I control.
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.
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.
that’s a new card. i haven’t looked over options in a while. thanks.
Hu? I have over a dozen categories lol.
Wow. That many! I have half of that.
It’s not free but I moved to monarch money and am very happy with everything other than the janky sync for amex cards.
My wife and I have had success with YNAB
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.
I tried YNAB 4 back in the day, but in the end decided to go with Moneydance.
Yep, still rocking my YNAB4 from steam too. Agree, the new one adds nothing for me either.
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.
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.
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.
Well, crap. I use mint to track net spending and give me a forward budget. Time to find something new, I guess.
deleted by creator
