I want to use some type of budgeting program, and I set ours up in mint because it's free. But seems cumbersome? I run my budgets according to pay period, not calendar month and that's already messing me up. Plus their categories seem strict, and I dislike how it's showing my HELOC as credit card debt, because that's not how I view it. Should I persevere or are there better options? I'd invest in a program if I knew it would be more useful.
Mint vs. Other budgeting programs
I use Quicken and got used to most of the quirks. The one thing that REALLY bugs me is the paper waste when printing reports and I solved that by exporting to Excel, reformatting/tightening up the data, and then printing.
I think every program will have some quirks. It is a matter of which quirks you can live with more easily...
Does your bank offer any online tools? Our credit union uses "Finance Works" which is a Quicken product. I had the same problem with Mint and categorizing things without being able to adjust (and also just general compatibility problems with several accounts). Finance Works is a little more adjustable, and I have no compatibility problems with other accounts, so I'm pleased our Credit Union offers it.
Well I have said it before and I will say it again- I love love love the Virtual Wallet on PNC.com. You have to be a customer but I think it is worth the switch, there are a ton of free budgeting tools that are really neat. I think they are having a deal now that if you sign up for an account, you get $100. Thats what I did back when I signed up.
I looked into this. There is a $10 monthly service fee unless you can meet certain criteria (none of which apply to us).
I used to use Budget from Snowmint as well. But when I got a smart phone, I switched to neobudget.com so I can always have it with me. Other than being pc based vs. web based, they're very similar. They both use an envelope system, which I love. I never spend money I need for another bill since I immediately allocate every deposit into envelopes.