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How do you keep track of it all? (Personal Finance Apps)

Posted on 11/12/18 at 8:04 am
Posted by BitBuster
Lafayette
Member since Dec 2017
1439 posts
Posted on 11/12/18 at 8:04 am
What are you guys using to keep track of all your personal finances? I'd love an app that keeps everything in one place, but I'm worried about giving everyone my info.

Our biggest problem is tracking expenses and expense planning, but I'd also like something to track 401k's, loans, investment accounts, savings, etc.

What do you guys use to keep track of it all?
Posted by Verdi
Fulshear, TX
Member since Mar 2013
138 posts
Posted on 11/12/18 at 8:14 am to
I have used quicken deluxe the last 4 years and it has been an easy way to track everything in one place.
Posted by 21JumpStreet
Member since Jul 2012
14638 posts
Posted on 11/12/18 at 9:18 am to
Mint. Great App.

They are a product of Intuit.
Posted by seawolf06
NH
Member since Oct 2007
8159 posts
Posted on 11/12/18 at 12:19 pm to
I've been using Mint for years. It does require some constant maintenance, but it's an excellent tool.
Posted by LSUDbrous90
Lafayette
Member since Dec 2011
1446 posts
Posted on 11/12/18 at 12:55 pm to
Personal capital for me. Mint has completely neglected their investment section which kills it for me.
Posted by tigereye58
Member since Jan 2007
2668 posts
Posted on 11/12/18 at 1:40 pm to
Excel....I built a budget about 15 years ago. It works perfect and it’s all private. For 401k and other investments I just Monitor those accounts online. I’m not making huge moves all the time anyway.
Posted by TheWiz
Third World, LA
Member since Aug 2007
11665 posts
Posted on 11/12/18 at 3:11 pm to
I like YNAB

quote:

Personal capital


Every time I log into it, I get a call the next day looking for $100k to invest with their group.
Posted by LSUDbrous90
Lafayette
Member since Dec 2011
1446 posts
Posted on 11/12/18 at 4:05 pm to
They call me about once every 6 months to a year and ask if I need anything and I say no I am good thanks though. Isn't really that big of a deal.
Posted by lynxcat
Member since Jan 2008
24118 posts
Posted on 11/12/18 at 4:21 pm to
Mint and Personal Capital.
Posted by Ace Midnight
Between sanity and madness
Member since Dec 2006
89453 posts
Posted on 11/12/18 at 4:33 pm to
YNAB
Posted by foshizzle
Washington DC metro
Member since Mar 2008
40599 posts
Posted on 11/12/18 at 5:03 pm to
An app will help you keep track of stuff, but only you can commit yourself to using it correctly.

Apps can facilitate the goal, but they don't make it happen like pressing a magic button.
Posted by WG_Dawg
Hoover
Member since Jun 2004
86429 posts
Posted on 11/12/18 at 5:15 pm to
I've used the same cheapass method since February of 2012 but don't mind it at all. Every purchase I make I write down in the 'notes' on my phone. Then once every week or 10 days or so I log that in a spreadsheet on my comp. I can basically do anything an app will but it's free and I kind of enjoy it. Over time I've adjusted and fine tuned the spreadsheet to be what I want. I break my expenses down into a ton of different categories (and have categories for revenue as well, although obviously there aren't as many of those) and keep track by month, and in the final tab of the spreadhseet have a year end total (both cumulative and monthly average). I can tell you how much money I spent on gas in July in 2018 and 2012 by consulting the spreadsheet. Yes it's definitely old school and takes more effort btu I've never been a fan of linking a card to some of those services (or paying for any of them) and I like that I can make my system as specific and personal as I want.
Posted by FinleyStreet
Member since Aug 2011
7896 posts
Posted on 11/12/18 at 5:56 pm to
Is there anything that projects expenses over a certain time period? I use Mint but you're limited to the month that you're in. What if I want to look ahead 12 months? I used to use an old fashioned excel spreadsheet. Maybe I'll go back to that.
Posted by BitBuster
Lafayette
Member since Dec 2017
1439 posts
Posted on 11/12/18 at 7:32 pm to
Does Mint automatically link to your accounts?
Like do you log in to your banks via Mint and it automatically dl's all the transactions and register?

I had purchased Quicken years ago because it integrated with my bank and it automatically reconciled everything. They killed that feature 2 months into it.

I'm not sure I like 3d party apps having my bank login, but damn if it wasn't convenient.

Maybe I'll just go back to the spreadsheet.
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