OK, imagine that there is this computer program to help you with your finances. Imagine that you can enter in all your checks, deposits, charitable deductions, and so on. Imagine that, with a click of a button, you can print reports of said charitable donations, how much you spent on housing, etc. Imagine that this program also has excellent budgeting tools, including links to find more on your credit score and ways to save money by changing where you do business (banks, especially). Imagine that this program also calculates your net worth, tracks your investment accounts, pulls your banking information directly from your accounts and emails or texts it to you. NOW... imagine that it's all FREE.
I am crazy about Mint.com. I've been using it for about a week, at the suggestion of my father. He mentioned that it was just purchased by Intuit, the makers of Quicken, and suggested that I sign up before it's not free anymore. And after using it for a few days, I think you should all do the same.
It's not perfect; I've been having trouble getting my balances for a couple different bank accounts, and I'm having trouble working the check register function. However, if those are the biggest problems I'm having with any sort of banking software, I'm blessed to say the least.
I particularly enjoy the budgeting function of the site. You can set up budgets for everything from your cell phone, to your car, even for bigger purchases or expenses that only happen occasionally (it then breaks them down into monthly increments). It will even send a text or email if you make a purchase that goes over your specified budget for that item. My only qualm with this is that I'm not sure how the program knows if you're over budget unless you're using a debit or credit card, which I don't have for my primary banking account these days.
In short, this is an amazing tool that has features that will help most, if not all, of us. It's a great way to help see your financial situation and work it to your advantage. And if you don't like it, you're not out a lot of money. It's a win-win situation. Check it out!
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