When I read Fast Company's article titled What the hell happened to Mint?I saw a reference to a Mint help article that promised to allow filtering by date range in the transactions view.Clearly, Mint has changed their URL structure since the help content was written.Turns out, you CAN do all kinds of cool queries, if you know the proper URL structure.If you want to group this with a query by category, transaction name, tag, or the contents of the notes field (this one blew my mind, since I've wished for this for awhile), I've got you covered. .
Mint is getting new features for tracking subscriptions and managing
Mint, the free personal finance app from Intuit, is receiving an update today, adding more automated features like subscription tracking and new “insights” to keep you informed where your money is spent, Fast Company reports.Intuit hopes to allow Mint information to transfer back to TurboTax at some point in the future to make using the software to do taxes a bit easier, according to Fast Company’s report.The Mint update should hit iPhones today, with an Android release to come in “about a month.” If you’re curious about some other solid apps for budgeting, you can check out some of The Verge’s favorite picks here. .
Can You Transfer Transactions From Mint to Excel Spreadsheets?
Type your email address and password to log in and view the main account page.When you click a transaction, additional filter options such as "Show all Groceries" appear on the right side of the screen.Scroll to the bottom of the page and click the "Export all [number] transactions" link. .
8 Ways to Customize Mint to Make Budgeting Easier
UPDATE: Mint has an excellent chat option, but they kind of buried it since I first wrote this post.If you’ve spent more than a NY minute on my site looking at my beste Bitcoin Wallet rants, you’ll know I love data.I wanted to cherry pick which business expenses I wanted to include in my personal budget (like restaurants, coffee shops, and juice bars) because my spending in these categories was pretty out of control.Other fixed expenses, like my office rental, accountant fees, and online services, I wanted left out.My adult kids contribute to my whopping $500+/month cell phone bill and pay for any data overages.(Contrast that with having to leave a voicemail and email to get tech support for Tableau.When setting up a budget in Mint, you need to take a few steps that I won’t be covering in the tips:.When looking for ways to stay on tip of your financial needs, consider a side income from the trade gold market.My life insurance account required me to answer questions about my childhood I had a difficult time remembering.My biggest advice here is don’t be afraid to create your own custom categories.The gold ira custodians are financial institutions that act as the custodian (safe keeper) of your investments, are allowed to choose what types of investments they will work with, for example, they could choose to work with gold but not stocks.I’m also impressed by how many companies are providing APIs that budget tools can connect to.(I couldn’t grab a screenshot because of how Mint configured it hover actions.I will actually reclassify the Bofa Merch Svcs transaction as Annielytics Raw Revenue and add a custom Raw Revenue tag, which will hide it from my budgets and trends reports.I would imagine the steps are pretty similar to the Android app, if not identical.I knew that Mint gave you the ability to hide individual transactions, but I felt like it could be difficult to undo if, at some point down the road, I decided I wanted to track some of these expenses.Raw Revenue: One frustration I had is how Mint was recording money that’s automatically deposited into my account from website sales.For me, because I have my business account managed by two of the best Fractional CFOs I hired linked to it, these deposits are automatically tagged as Income.I needed the deposits into my business account to be hidden and the transfers to count as income.Mint is pretty good at detecting categories, but its algorithm still hasn’t reclassified deposits from Bofa Merch Svcs … sigh.Ironically, I read several places that you could sign up for a paid business account, but I couldn’t find out how to throw this money at Mint anywhere.The reason is that I want to use a zero sum approach, meaning if I go over in one budget I don’t just say “Oh well” and move on.To wit, I move money from one budget item to pay for my excess in another — whether that comes from savings or another account.To set a budget to carry over (or accrue over time) take the following steps:.One reason I don’t like budget systems like Quicken (and Mint by default) is they just tell you when you go over.And by active I mean I actually assign transactions in the app nearly every day.If you do get stuck on a transaction, one trick that works well for me is to select it and look in the right sidebar to see what account it came from.The perennial college student in me wishes Mint gave you the ability to transfer from one budget to another, like I was able to easily do when I used the envelope system.The objective wasn’t as much to monitor your spending trends but to balance your budget at the end of the month, no matter what.The only way to know if your budget is effective is to see your spending patterns over time, which Mint does beautifully with its Trends reports.One advantage to this approach is it could help guide you to either adjust your spending or your budget in that area.I’m not a fan of this option because you have to remind yourself to return the budget you borrowed from to its original amount the following month.That said, you can easily modify any budget by clicking Edit Details (which appears when you select it) and changing the Amount field.I just bought a juicer last week, but I didn’t have the money in my Home Furnishings account.I resolved that by transferring money from my savings account and then documenting that in Mint.I was loath to make this big of a purchase so early into my budget, but I was getting over a three-week sickness and decided I needed to get more nutrition in me to offset the stress of traveling in the winter, probably I will also look for a natural aid like this tincture https://synchronicityhempoil.com/product-collections/hemp-tincture-500mg/, which can help a lot reducing stress and anxiety.But Mint gives the ability to put that spending on a leash several ways.This is especially convenient when shopping on sites like Amazon, where you might buy a new book, cute pair of shoes, and a toilet plunger in the same transactions.Remember: Transactions assigned to any category under Transfer (even if you create custom categories under Transfer) do not appear as income or expenses, so they don’t impact your budgets or trends reports.Then, when you spend the money, manually enter your transaction as a cash expense.I haven’t tried it yet because I stumbled across Nicole’s post while doing research for my own, but I suspect it will become my fave.Updates > All Transactions (under Recent Transactions) > tap + sign in upper-right corner > enter amount > choose Merchant > choose Expense category (Cash, Check, or Credit/Debit Card) > Keep Split from last ATM selected > Next > Add tag or note at will > Done.Getting back to my monster cell phone bill … per my request, my girls transfer me the $10 overage charge whenever they get the text that they’ve gone over.At first I recorded them under Income in a custom Kid Payments category and then credited the Mobile Phone budget item.So what I do now to offset this is just change the category from Transfer to Mobile Phone (under Bills & Utilities).You can see in the screenshot below, from an overage payment I received, that doing this credits my Mobile Phone budget $10, which will offset the additional charge to my account later this month.Sometimes they even show up in the Credit Card Payment category, which falls under Transfers.After much head scratching and reflection, I found this to be good in some scenarios but suboptimal in others.I will describe three scenarios, illustrated by the screenshot below, and explain how I manage them in Mint and why.Anything that shows up as a positive I classify as Credit Card Payment, which is under the Transfer category.Sometimes they show up under Transfer, but I want to be as specific as possible with my budgets so I move them to the Credit Card Payment subcategory.This also aids in being able to select multiple transactions at once, as I demonstrated earlier in the post.The actual deposit that shows up as a positive number (transaction) in my savings account in Mint I keep as in the Transfer category.I complained to Southwest on Twitter a couple weeks ago because their wifi on the flight I was on was abysmally slow.In actuality, this was a transaction I had applied my Reimbursable tag to, so that it would be hidden — or not counted against — my budgets.).If fighting for a return makes you want to treat yourself to a new pair of shoes, then by golly add it to your Clothing budget and go to town!Payments designed to pay down your balance should be categorized wherever you create this category.And you can’t really allocate budgets for these bigger goals because you’re not actually spending the money yet.However, I was able to set up a new savings account in a couple minutes on my bank’s site, so it’s not a huge deal.Note: I actually used a custom goal instead of the Take a Trip option because I didn’t want to have to fill out all the fields in it.This is the type of data a company could sell at a premium, which Mint’s CEO hasn’t ruled out as a possibility.When deciding if you should hide a transaction, set it up as a transfer, apply it to a category, or apply it to an income, I find it easiest to actually picture my account like a cash register or the ledger of my checking account (not that I actually use paper ledgers anymore).If money is actually added to one of my accounts, I either file it under my Income category (and I have a handful of custom revenue sources in addition to my paycheck that I use as categories under Income) or I apply it directly to a budget, which just gives me that much more money to spend in that budget without going over.If I don’t want a transaction included in my budget, I apply one of my tags that I’ve set to hidden.I only keep the transfer option for transfers to my savings account and payments to credit cards for transactions I’ve already counted against my budget (and possibly ATM withdrawals in the future, as I mentioned in the post).If I’m paying down a balance, I assign it to my Financial category because it’s an additional expenditure.I’m just getting back into it, but I managed a personal budget for years before I made it too complicated for myself.I still want to eat total crap like pizza, cheddar fries, and chocolate covered pretzels. .
Hacking Your Finances: Five Mint.com Problems and Their Solutions
Most of these categories are where your discretionary spending falls anyway, so overly segmenting them doesn’t provide much more useful information.Mint is working with many providers to make sure all information syncs up, but anytime one company changes its authentication, associated accounts can temporarily break.Furthermore, since Mint allows users to create custom alerts, it is arguably more secure as it could notify you of fraudulent activity sooner than your bank or credit card.Take our financial archetype quiz today, which can help you clarify the way you prefer to live your best money life. .
The Mint API with Python and Google Sheets
Access personal transaction history from all types of accounts — checking, savings, credit cards and more from the Mint API.Mint by Intuit provides a decent solution that allows individuals to connect to their banks/accounts via their platform.The platform allows users to set budgets, keep track of when bills are due, and view transaction history.It syncs automatically with your accounts and provides a good personal financial snapshot.I was interested in if there was an API for Mint to access my personal data in a python notebook or an excel spreadsheet/google sheet for further analysis.So, I did some research and found an interesting solution on GitHub, a web scraping API.When you pip install the Mint API, selenium is downloaded.Once logged in to the web-based platform, the Mint API scrapes all of the data and stores it in functions which you can call using python.With this basic understanding of how the API works, you are ready to pull your transactional data.**Note: There is an expensive alternative to the Mint API that Microsoft 365 offers with there subscription called “Money in Excel”.For those that are ready for a challenge, the Mint API provides a work around, plus you get the reward of doing it yourself!Step 2: Create a configuration file in python (2 minutes).If you are working in Jupyter Lab make sure you have a way to write python files.If you don’t see this within your Jupyter Lab, you can add it by adding this extension from github.If you have no desire to access your transactional data in google sheets, you can skip this step.When you click continue, a json file is downloaded to your computer.Note: Copy the service account email that has been created.Once you run this block, watch how selenium opens up Mint and puts your username and password for you.# To avoid the 2FA code being asked for multiple times, you can either set.It automatically throws your data into a pandas dataframe which is nice.Step 5: Create a google sheet for RAW Transactional data (2 minutes).Share the sheet with your service account email address that I had you copy from step 3.I will continue on ways to make the data easier to read and understand for budgeting purposes.Step 7: Import data to budgeting sheet and filter by dates (10 minutes).This last step is just for fun and I felt pretty proud of how I got this to work for speeding up our budgeting.In that tab, you can import the raw data by using the following function.The function will import your transactional data and then filter it based on the data range that you enter in cells I and J. I have also added conditional formatting to color expenses as red and income as green.The combination of python and google sheets provides a quick and easy way to see how much money you made and earned over a certain period of time. .
YNAB vs. Mint: Which Is the Better Budgeting App?
YNAB Mint How It Works YNAB helps you proactively manage your money by prompting you to allocate every dollar of your income to expected expenses or savings for that month Mint enables you to regularly review all of your financial accounts, including enabling you to see exactly where you’re spending your money Reporting Reports in three categories: spending, net worth, income vs. expense Reports in six categories: spending, income, net income, assets, debts, net worth Extra Features Allows you to plan as far into future months as you’d like Provides access to a free copy of your credit score Ease of Setup & Use Adding your accounts is easy, but getting acclimated to the YNAB budgeting philosophy and process involves a learning curve With its more hands-off approach, Mint is very easy to set up by simply adding all of your financial accounts Device Compatibility iOS, Android, web browser, Android watches, Alexa, Google Assistant iOS, Android, web browser, Alexa, Google Assistant (only for Android users) Cost Free trial period, then $14.99/month or $98.99/year, with money-back guarantee Free, supported by ads and offers Best For Those wanting to take a very hands-on approach to forward-thinking budgeting, including adopting a new way of thinking about “giving every dollar a job” Those who want to categorize their spending, create this month’s budget, and see an overview of all of their financial accounts in one place.At the most basic level, these two personal finance tools do the same thing, which is to help you understand where you spend, and how much, so that you can better decide how to allocate your resources in the future.But while Mint takes a very familiar approach, YNAB introduces a much more forward-thinking strategy that is quite a bit different not just in its implementation, but also in the user’s whole way of thinking.With both apps, you link all of your bank and credit card accounts to the platform in order to capture every transaction.In contrast, creating a budget is not optional with YNAB—instead, it’s the cornerstone of the entire platform and the YNAB way of thinking.Both Mint and YNAB provide register views of individual accounts as well as an overall transaction log of all your accounts, the ability to establish savings goals, and a reporting area that allows you to slice and dice your financial data into different analytical views.It does allow adding your own subcategories to the existing master categories (think Auto & Transport, Food & Dining, etc.In contrast, YNAB’s interface allows you to completely customize your entire set of categories and subcategories, making it more appealing for those with particular preferences or less typical expense types.So account setup is followed by the critical step of allocating your funds in the budget area of the app.You link your accounts, the transactions populate, and you categorize them in order to analyze your spending and establish budget amounts.As you use the app, you can begin to build a collection of “rules” that help speed things up by automatically renaming and categorizing transactions it can recognize based on your past history.Though YNAB’s account setup is simple, getting up to speed with the monthly budgeting process can take a little time to learn.YNAB aims to change how you think about your money and how proactively you create spending plans.Both Mint and YNAB use bank-level encryption or better, offer the ability to use two-factor authentication for increased protection, and do not store your credentials in any way that is readable by staff.Mint’s free status is appealing to many, though it comes at the price of having ads and offers peppered into your view of accounts and transactions.For its part, YNAB lacks the ability to link investment and loan accounts, or track bills or credit scores, in favor of delving deeper on the budgeting front.YNAB requires the additional layer of determining a budget for next month, with detailed planning for every dollar coming in.Those who want to dig deeper with Mint certainly can, setting budget categories for the coming month.Whether they have a debt reduction goal or are aiming to keep more of their money in the bank, YNAB is an excellent option for those motivated to roll their sleeves up and get serious.We took a detailed look at all of Mint's and YNAB’s features and strengths by digging deep into their product documentation, doing a hands-on exploration of their web and app interfaces, reviewing what customers and review sites like and don’t like about the apps, and assessing how each service makes money. .