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Joined 3 years ago
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Cake day: June 20th, 2023

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  • All banks I’ve done business supported exporting CSV or OVX files of transactions so you don’t need a third party connection into your bank account, although that is an option. It depends on region, but banks are only required to retain data for certain periods of time, and keeping a history of each transaction can be useful for budgeting or investing.


  • Regarding Mint, If I’m remembering correctly, it seemed like they were doing a redesign of the site and then decided to shut it down. I’d have to imagine after they got purchased, all the original devs left and maintaining each connection with each bank was a huge hassle. They probably spent so much modernizing the site and still had to maintain connections, that the operational costs outweighed the income from advertising.


  • If you’re dealing all in cash this makes sense, but for those with multiple bank accounts, keeping track of everything without software is burdensome. I can’t imagine copy/pasting each transaction from my banks website into a spreadsheet. Computers are better at math than humans, they should be doing the calculations, not me.


  • Thirding Actual, I will admit I was using Mint for way longer than I should have for convenience, and moved to Actual after Mint shut down. If you only have a few accounts, it’s not that terrible to download transactions as QFX files and import them once a month when paying the bills. I haven’t tried SimpleFin or anything automated, but that would get you even closer to the experience of Mint.