this post was submitted on 02 Nov 2023
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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.
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".
Yeah - totally possible.
Ah, excellent, thanks. That's one of the things I use most in Mint.
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.
Personal capital works for me
I use budget with buckets. Similar to ynab, however syncing, if you want it, only costs $15/year. Free unlimited trial.
Can Budget with Buckets pull itemized transactions from my credit card and bank institutions like Mint?
Yup, you can either set up macros (never used these) or pay for simplefinbridge (1.50/month or 15 bucks/year)
I’m really liking Tiller.
I found it much easier than YNAB to understand and it all stays in a spreadsheet I control.
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.
It's not free but I moved to monarch money and am very happy with everything other than the janky sync for amex cards.
Same, goddamnit. I hope they have some sort of option to export out all my data to bring somewhere else, though I doubt it.
My wife and I have had success with YNAB
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.