Mint is shutting down, and it’s pushing users toward Credit Karma

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

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.

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

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
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.

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

https://actualbudget.com/open-source

As a user of YNAB, I'm glad there's an open source option, as well. The method/approach really clicked for me.
Wow thank you so much! I have been looking for an alternative to YNAB. 🥹
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.

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.

https://actualbudget.com/

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.
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.
  
  https://www.tillerhq.com/
  
  I tried it and saw its promise, but I don't love spreadsheets.
- 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 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.

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.
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.
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.

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?
- Do I need to know programming or enjoy spreadsheets to use this?
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.
- 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?
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.
- Hu? I have over a dozen categories lol.

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 just heard about Cashew which I think ima try and switch to. What are you on?
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
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.

Well, crap. I use mint to track net spending and give me a forward budget. Time to find something new, I guess.

Mon dieu! I thought it was the Indian buffet near Pittsburgh

I liked using mint for budgeting for years. It felt good to have a sold hold of expenses vs expenditures. But then one day the syncing between my primary credit card and mint stopped working. That was the day mint died for me, I use my primary credit card for everything and pay it off every month to build credit. When mint suddenly wasn't allowed to connect to my credit card to get transactions it became useless.

I tried another budgeting service, but it did budgeting completely different approach wise and I just didn't like it. Oh well such is life I guess, everything I love goes away.

It's too bad it's not the US mint. It might help inflation.

Hello, this is post World War I Germany calling. Please hold, we have Zimbabwe on the phone right now

Damn, I went from $50k net worth in 2010 to $3m today on Mint. End of an era. Not sure where to go next

I moved to Fidelity full view awhile back. Close enough, maybe a few less features but they're account syncing send to be a bit more reliable.
- Do they have a standalone app?

F u c k, that spells fuck.

Whatever happened to the free credit report.com band? I know that they didn't get paid for any of the jingles they wrote and so they tried to sue, but I haven't heard from them since then.

free credit report is not the officially sanctioned source of credit reports. the actual one is annualcreditreport.com
- I know, I just wanna know what happened to that.

This thing just never worked for me. As in, the product was broken in several ways all of the time.

This is the best summary I could come up with:

Intuit first acquired Mint in 2009, an app that has offered a free way for users to track their budgets, manage expenses, negotiate bills, and keep tabs on subscriptions.

On a support page on Credit Karma’s website, Intuit says “the new experience in Credit Karma does not offer the ability to set monthly and category budgets,” adding that the app instead “offers a simplified way for you to build awareness of your spending, and track your savings.” Intuit says it still plans on adding ways to view transactions, track spending, and aggregate financial accounts.

The Verge reached out to Intuit for more information about the features coming to Credit Karma but didn’t immediately hear back.

Earlier this year, Credit Karma added one of Mint’s key features: the ability for users to track their net worth.

Users can also download and delete their Mint data if they don’t want to move to Credit Karma.

This change seems to have been in the works for quite some time now, as Mint users across Reddit have seen prompts to migrate to Credit Karma over the past few weeks.

The original article contains 377 words, the summary contains 185 words. Saved 51%. I'm a bot and I'm open source!

I always found the ads suspicious. Anyway I miss Primeco and to hell t-mobile.

This is the financial app Mint, not mint mobile.
- I thought we were talking about Linux Mint for a second...