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Best budgeting/personal finance software

Posted on 5/19/14 at 9:56 am
Posted by 1860pissed
Dunleith
Member since Feb 2013
260 posts
Posted on 5/19/14 at 9:56 am
I just graduated from LSU and entered the work force and I would like to stay on top of my finances from the get go. What's the best software for this? I've used mint.com before but I was wondering if anyone had any experience with something more in depth.
Posted by Shenanigans
Spring Hill, TN
Member since Nov 2012
2394 posts
Posted on 5/19/14 at 10:04 am to
Mint works very well for me. Haven't tried anything else.
Posted by oklahogjr
Gold Membership
Member since Jan 2010
36748 posts
Posted on 5/19/14 at 10:17 am to
I just use excel and formulas
Posted by trillhog
Elite Membership
Member since Jul 2011
19407 posts
Posted on 5/19/14 at 10:24 am to
excel sheets
Posted by Teddy Ruxpin
Member since Oct 2006
39553 posts
Posted on 5/19/14 at 10:29 am to
I use mint but I still do miss Microsoft Money's predictive future account balances feature. Love that thing
This post was edited on 5/19/14 at 10:30 am
Posted by Joshjrn
Baton Rouge
Member since Dec 2008
26975 posts
Posted on 5/19/14 at 10:36 am to
Mint.com.
Posted by 1860pissed
Dunleith
Member since Feb 2013
260 posts
Posted on 5/19/14 at 3:59 pm to
Looks like Mint is the general consensus haha. thanks for the input guys
Posted by Hammond Tiger Fan
Hammond
Member since Oct 2007
16209 posts
Posted on 5/20/14 at 7:56 am to
I use Mint as well. I tried to use excel, but I love the automatic features of Mint. I only have to go in once a week or so to do some minor maintenance to make sure everything is categorize properly.
Posted by ZereauxSum
Lot 23E
Member since Nov 2008
10176 posts
Posted on 5/20/14 at 9:42 am to
quote:

excel
Posted by Cold Cous Cous
Bucktown, La.
Member since Oct 2003
15042 posts
Posted on 5/20/14 at 10:24 am to
quote:

excel

I would like to switch from mint to excel, but on the other hand I am extraordinarily lazy. Does anyone know of a good downloadable excel file prepopulated with all the necessary columns, formulae, etc? So all I have to do is plug in?
Posted by ZereauxSum
Lot 23E
Member since Nov 2008
10176 posts
Posted on 5/20/14 at 10:29 am to
quote:

I would like to switch from mint to excel, but on the other hand I am extraordinarily lazy. Does anyone know of a good downloadable excel file prepopulated with all the necessary columns, formulae, etc? So all I have to do is plug in?


You might be able to find something basic in Excel Templates that will work with a little customization.

I haven't really looked. I just built one from scratch. Nothing that I saw out there met my needs completely. That's the beauty of using excel IMO and why I love it so much
Posted by BayouWrangler
Member since Feb 2011
1231 posts
Posted on 5/20/14 at 2:44 pm to
quote:

I use Mint as well. I tried to use excel, but I love the automatic features of Mint. I only have to go in once a week or so to do some minor maintenance to make sure everything is categorize properly.


Exactly why I love it.
Posted by lilsnappa
Red Stick
Member since Mar 2006
1793 posts
Posted on 5/20/14 at 3:56 pm to
I use both Mint & Excel, I prefer Excel. I'm also an Analyst and power excel user. Mint has some good features, but I've had problems with syncing historical data so it makes it hard for trending.
Posted by oklahogjr
Gold Membership
Member since Jan 2010
36748 posts
Posted on 5/20/14 at 5:08 pm to
quote:

That's the beauty of using excel IMO and why I love it so much

I've seen multimillion dollar companies run on Excel. It takes some work on the front end but you get exactly what you want on the back end.

If the money board was going to design a home finance app what features would it have?


Posted by Teddy Ruxpin
Member since Oct 2006
39553 posts
Posted on 5/20/14 at 5:14 pm to
quote:

If the money board was going to design a home finance app what features would it have?



I've already mentioned it, but I'd want predictive account balance graphs. Microsoft Money had them. It was great having it use historical data to guess your future expenses and income to show future balances.

I'd also like a much more complicated feature that would show you your tax hit when removing money from certain investment accounts (Taxable, ROTH, 401k). Even better if you could run simulations such as 6% return on those accounts, which account should I take "X" amount from in 20 years for best efficiency, stuff like that.
This post was edited on 5/20/14 at 5:15 pm
Posted by oR33Do
Tuscaloosa
Member since Oct 2012
13561 posts
Posted on 5/20/14 at 5:36 pm to
Posted by trillhog
Elite Membership
Member since Jul 2011
19407 posts
Posted on 5/20/14 at 5:48 pm to
I've built a pretty complex excel sheet for myself with pages for all kinds of stuff including templates for running numbers on potential RE investments . I just keep adding stuff. If you have gmail googles excel has a shite ton of templates I got ideas in there
Posted by Jcorye1
Tom Brady = GoAT
Member since Dec 2007
71329 posts
Posted on 5/21/14 at 1:39 pm to
Mint.Com is great, until you use Campus Federal.
Posted by mikelbr
Baton Rouge
Member since Apr 2008
47462 posts
Posted on 5/22/14 at 12:42 pm to
quote:

Best budgeting/personal finance softwareI just graduated from LSU and entered the work force and I would like to stay on top of my finances from the get go. What's the best software for this? I've used mint.com before but I was wondering if anyone had any experience with something more in depth.


I wrote my own with Excel and functions in VBA.

But... I have degrees in ISDS and Finance.

Posted by Dodd
Member since Oct 2003
21048 posts
Posted on 5/23/14 at 3:08 pm to
My Amex acct has a personal and corporate card. The corp card is paid by my employer directly. How do I remove the corp card from my mint acct?
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