Semi-manual tracking with YNAB. My bank doesn’t offer an OAuth2 API and there’s no way in hell I’m giving Plaid my bank credentials. So, I just download a transactions file and upload that to YNAB.
I know people here will probably recommend https://actualbudget.org/ which seems like a YNAB-clone (in a good way). But the reason I went with YNAB is because they have a ton of docs and videos about how YNAB works and budgeting in general. ActualBudget seems to be targeted at people who already know what they’re doing (not me).
YNAB/Actual might be different than Mint, though. YNAB is based on envelope budgeting, as opposed to just collecting spending metrics. I haven’t used Mint in a very long time, not sure if it’s changed since.
Are you manually tracking or using something similar to how Mint used to work?
Semi-manual tracking with YNAB. My bank doesn’t offer an OAuth2 API and there’s no way in hell I’m giving Plaid my bank credentials. So, I just download a transactions file and upload that to YNAB.
I know people here will probably recommend https://actualbudget.org/ which seems like a YNAB-clone (in a good way). But the reason I went with YNAB is because they have a ton of docs and videos about how YNAB works and budgeting in general. ActualBudget seems to be targeted at people who already know what they’re doing (not me).
YNAB/Actual might be different than Mint, though. YNAB is based on envelope budgeting, as opposed to just collecting spending metrics. I haven’t used Mint in a very long time, not sure if it’s changed since.