topic Re: What Finance Application Are You Using? in SmorgasBoard

What Finance Application Are You Using?

PrimeRate — Tue, 06 May 2014 16:14:25 GMT

Simple Thread. Which application do you use for your Personal/Business Finances?

Pros & Cons? Comparisons?

A) Manilla

B) Mint

C) Personal Capital

D) Other?

Re: What Finance Application Are You Using?

chwebb1 — Tue, 06 May 2014 14:44:29 GMT

@TheOptimusMan wrote:
Simple Thread. Which application do you use for your Personal/Business Finances?
Pros & Cons? Anyone use all of them? Comparisons?

A) Manilla
B) Mint
C) Personal Capital
D) Other?

I personally use Manilla, Mint, and DCU's web interface that allows you to see all of your accounts at all of your financial institutions. I think it's called FinanceWorks.

Mint and DCU are good for budgeting, seeing balances, etc. Manilla is better for due dates/seeing statements/etc.

Re: What Finance Application Are You Using?

Creditaddict — Tue, 06 May 2014 14:46:40 GMT

@TheOptimusMan wrote:
Simple Thread. Which application do you use for your Personal/Business Finances?
Pros & Cons? Anyone use all of them? Comparisons?

A) Manilla
B) Mint
C) Personal Capital
D) Other?

Use to use Mint but use "Personal Capital" now because it seems to link up to more banks although Comenity does not have very many of there cards in it.

It also links up to more bank accounts that mint would not... oh and my car leases work in personal capital too.

If you have a lot of retirement and investments and want to see a TOTAL picture with net worth and alerts of your portfolio moving then personal capital HANDS DOWN...

Personal capital also saves all the data and you can sync up pretty easy to something I believe... Mint is month by month for transactions if I'm not mistaken (unless you load to something else you can't get to the end of the year and say Mint how much did I spend on gas, but personal capital you can.

I had tried Manilla for a minute a year or so ago and I liked it and might have used it if it wasn't for the 3rd party bill pay... I like to log in directly at my bank to do bill pay and I felt like at the time the biggest selling point for manilla was syncing up your bills and paying right from it.

Re: What Finance Application Are You Using?

takeshi74 — Tue, 06 May 2014 15:20:54 GMT

@Creditaddict wrote:
Mint is month by month for transactions if I'm not mistaken (unless you load to something else you can't get to the end of the year and say Mint how much did I spend on gas

Sure you can. I rely on Mint for such analytics. There are multiple timeframe options avaialble under Trends. It just defaults to the current or last month.

Re: What Finance Application Are You Using?

Anonymous — Tue, 06 May 2014 15:25:45 GMT

@Creditaddict wrote:
@TheOptimusMan wrote:
Simple Thread. Which application do you use for your Personal/Business Finances?
Pros & Cons? Anyone use all of them? Comparisons?

A) Manilla
B) Mint
C) Personal Capital
D) Other?
Use to use Mint but use "Personal Capital" now because it seems to link up to more banks although Comenity does not have very many of there cards in it.
It also links up to more bank accounts that mint would not... oh and my car leases work in personal capital too.

If you have a lot of retirement and investments and want to see a TOTAL picture with net worth and alerts of your portfolio moving then personal capital HANDS DOWN...
Personal capital also saves all the data and you can sync up pretty easy to something I believe... Mint is month by month for transactions if I'm not mistaken (unless you load to something else you can't get to the end of the year and say Mint how much did I spend on gas, but personal capital you can.

I had tried Manilla for a minute a year or so ago and I liked it and might have used it if it wasn't for the 3rd party bill pay... I like to log in directly at my bank to do bill pay and I felt like at the time the biggest selling point for manilla was syncing up your bills and paying right from it.

I'm gonna have to jump in and disagree. Mint tends to budget month-by-month (though there's a way you can set budgets to carry over), but there's a whole section called Trends where you can look at how much you've spent on any particular category or merchant monthly, yearly, however you like. You can see graphs of how much your net worth, assets, debts, income, or net income have changed over time, or pie charts of monthly spending.

Also, the investment section isn't half bad, though I haven't compared Mint's setup to very many other systems. It does have a section that shows you what's gained and lost the most value recently, along with more graphs that can compare performance to different indexes (indices? lol). And it definitely does show investments and other assets like real estate and cars (with the option to connect to Zillow and Kelley Blue Book) as part of your overall net worth.

Maybe you left Mint before they implemented some of these features...?

Re: What Finance Application Are You Using?

Creditaddict — Tue, 06 May 2014 15:27:34 GMT

@Anonymous wrote:
@Creditaddict wrote:
@TheOptimusMan wrote:
Simple Thread. Which application do you use for your Personal/Business Finances?
Pros & Cons? Anyone use all of them? Comparisons?

A) Manilla
B) Mint
C) Personal Capital
D) Other?
Use to use Mint but use "Personal Capital" now because it seems to link up to more banks although Comenity does not have very many of there cards in it.
It also links up to more bank accounts that mint would not... oh and my car leases work in personal capital too.

If you have a lot of retirement and investments and want to see a TOTAL picture with net worth and alerts of your portfolio moving then personal capital HANDS DOWN...
Personal capital also saves all the data and you can sync up pretty easy to something I believe... Mint is month by month for transactions if I'm not mistaken (unless you load to something else you can't get to the end of the year and say Mint how much did I spend on gas, but personal capital you can.

I had tried Manilla for a minute a year or so ago and I liked it and might have used it if it wasn't for the 3rd party bill pay... I like to log in directly at my bank to do bill pay and I felt like at the time the biggest selling point for manilla was syncing up your bills and paying right from it.
I'm gonna have to jump in and disagree. Mint tends to budget month-by-month (though there's a way you can set budgets to carry over), but there's a whole section called Trends where you can look at how much you've spent on any particular category or merchant monthly, yearly, however you like. You can see graphs of how much your net worth, assets, debts, income, or net income have changed over time, or pie charts of monthly spending.

Also, the investment section isn't half bad, though I haven't compared Mint's setup to very many other systems. It does have a section that shows you what's gained and lost the most value recently, along with more graphs that can compare performance to different indexes (indices? lol). And it definitely does show investments and other assets like real estate and cars (with the option to connect to Zillow and Kelley Blue Book) as part of your overall net worth.

Maybe you left Mint before they implemented some of these features...?

That is very possible and you all are making me think I should log back in and check out the NEW Mint

Re: What Finance Application Are You Using?

Anonymous — Tue, 06 May 2014 15:31:29 GMT

@Creditaddict wrote:
@Anonymous wrote:
I'm gonna have to jump in and disagree. Mint tends to budget month-by-month (though there's a way you can set budgets to carry over), but there's a whole section called Trends where you can look at how much you've spent on any particular category or merchant monthly, yearly, however you like. You can see graphs of how much your net worth, assets, debts, income, or net income have changed over time, or pie charts of monthly spending.

Also, the investment section isn't half bad, though I haven't compared Mint's setup to very many other systems. It does have a section that shows you what's gained and lost the most value recently, along with more graphs that can compare performance to different indexes (indices? lol). And it definitely does show investments and other assets like real estate and cars (with the option to connect to Zillow and Kelley Blue Book) as part of your overall net worth.

Maybe you left Mint before they implemented some of these features...?
That is very possible and you all are making me think I should log back in and check out the NEW Mint

*claps and cheers* One of the only things I don't like about Mint is the incompatibility with GE cards (due to GE Bank, not Mint). It's awesome otherwise!

Re: What Finance Application Are You Using?

chwebb1 — Tue, 06 May 2014 15:35:35 GMT

@Creditaddict wrote:
@TheOptimusMan wrote:
Simple Thread. Which application do you use for your Personal/Business Finances?
Pros & Cons? Anyone use all of them? Comparisons?

A) Manilla
B) Mint
C) Personal Capital
D) Other?
Use to use Mint but use "Personal Capital" now because it seems to link up to more banks although Comenity does not have very many of there cards in it.
It also links up to more bank accounts that mint would not... oh and my car leases work in personal capital too.

If you have a lot of retirement and investments and want to see a TOTAL picture with net worth and alerts of your portfolio moving then personal capital HANDS DOWN...
Personal capital also saves all the data and you can sync up pretty easy to something I believe... Mint is month by month for transactions if I'm not mistaken (unless you load to something else you can't get to the end of the year and say Mint how much did I spend on gas, but personal capital you can.

I had tried Manilla for a minute a year or so ago and I liked it and might have used it if it wasn't for the 3rd party bill pay... I like to log in directly at my bank to do bill pay and I felt like at the time the biggest selling point for manilla was syncing up your bills and paying right from it.

I just set up Personal Capital, and I also like it a lot. Have you ever used their investing portion? I'm wondering how good they are if you have any experience with them. Do they have a minimum amount you have to invest?

Re: What Finance Application Are You Using?

MidnightVoice — Wed, 07 May 2014 17:50:17 GMT

Excel

Re: What Finance Application Are You Using?

Revelate — Wed, 07 May 2014 19:10:13 GMT

@MidnightVoice wrote:
Excel

So last millenium!

I still go back to Excel for most things end of the day, though I'm pretty happy with what I need from USAA's functionality which is nearly equivalent to what I suspect DCU offers. My financial life is pretty simple though, bunch of bank accounts and one discount brokerage to rule everything for the most part.

Re: What Finance Application Are You Using?

-NewGuy- — Fri, 09 May 2014 18:37:15 GMT

I signed up for Manilla today, and I like it a lot for what it is. I like the fact that loyalty program balances are updated as well, but am fairly miffed that United Mileage Plus isn't included... The site specifically says all major loyalty programs.

Re: What Finance Application Are You Using?

Genkeim — Fri, 09 May 2014 20:28:21 GMT

Just got an email from Manilla saying they were shutting down effective July 1st, 2014.

Here's the link to the announcement on their site: https://www.manilla.com/announcement/

Re: What Finance Application Are You Using?

mongstradamus — Fri, 09 May 2014 20:34:52 GMT

@Genkeim wrote:
Just got an email from Manilla saying they were shutting down effective July 1st, 2014.

Here's the link to the announcement on their site: https://www.manilla.com/announcement/

That is pretty unfortunate I liked using manilla in conjunction with mint and persona capital

Re: What Finance Application Are You Using?

-NewGuy- — Fri, 09 May 2014 21:20:01 GMT

@mongstradamus wrote:
@Genkeim wrote:
Just got an email from Manilla saying they were shutting down effective July 1st, 2014.

Here's the link to the announcement on their site: https://www.manilla.com/announcement/

That is pretty unfortunate I liked using manilla in conjunction with mint and persona capital

!@#%$J:!@J$K:J@!#$ !!!!! I just signed up this morning. Oh well. What other sites track loyalty points along with financial stuff?

Re: What Finance Application Are You Using?

baller4life — Sat, 10 May 2014 03:39:02 GMT

What the???? Well guess I will be downloading Mobilligy. Been hearing alot about it. Don't like Mint. I need an app that is geared more toward bill reminding than budgeting.

https://www.mobilligy.com/

Re: What Finance Application Are You Using?

mongstradamus — Sat, 10 May 2014 01:15:47 GMT

@baller4life wrote:
What the???? Well guess I will be downloading Mobilligy. Been hearing alot about it. Don't like Mint. I need an app that is geared more toward bill reminding than budgeting.

looks like i am going to have to go with google calender and google now to set up reminders to remind me when due dates are coming up

Re: What Finance Application Are You Using?

slickshoes182 — Sat, 10 May 2014 10:34:01 GMT

@baller4life wrote:
What the???? Well guess I will be downloading Mobilligy. Been hearing alot about it. Don't like Mint. I need an app that is geared more toward bill reminding than budgeting.

https://www.mobilligy.com/

Check out https://check.me/

They are the best I've found as far as alerting me to new bills, APR changes (e.g. 0% APR promotions are ending), etc. I haven't tried mobiligy yet, however.

Re: What Finance Application Are You Using?

gh17 — Mon, 12 May 2014 00:57:31 GMT

I like Personal Capital, although I also have Mint. I use Mint more to track my spending, and I use Personal Capital to track my 401k and IRA.

Re: What Finance Application Are You Using?

gh17 — Mon, 12 May 2014 01:00:04 GMT

The one thing that does annoy me about Personal Capital is that I can't set my own ideal allocation to compare to. For example, if Personal Capital decided that for my age/risk tolerance/whatever I should have 10% in real estate, but I decide I want 5% in real estate, it keeps telling me what actions I need to take to get to 10%. Really, I want to be able to set my own goals and compare against it to help with reallocation. I actually end up using Excel when I really want to buy/sell/reallocate.

Re: What Finance Application Are You Using?

mongstradamus — Mon, 12 May 2014 01:03:33 GMT

@gh17 wrote:
The one thing that does annoy me about Personal Capital is that I can't set my own ideal allocation to compare to. For example, if Personal Capital decided that for my age/risk tolerance/whatever I should have 10% in real estate, but I decide I want 5% in real estate, it keeps telling me what actions I need to take to get to 10%. Really, I want to be able to set my own goals and compare against it to help with reallocation. I actually end up using Excel when I really want to buy/sell/reallocate.

I usually have an spreadsheet i do every month to see what % bonds, us stock, domestic stocks are, if things get too out of whack i can rebalance.