What app are you guys using for tracking credit and bank accounts?

[sportsguy83]

I still use an old version of Quicken on my desktop - before they introduced the annual subscription model.  It's not perfect but it is super helpful to track my accounts and most importantly when all my different credit card payments are due.  I also really like the calendar feature for projecting future balances forward 6-12 months.  When I'm out of debt (a ways to go!) I will probably switch over to YNAB.  I tried it and really liked it a lot but for managing debt and projecting forward Quicken works better.  Also, I'm not going to spend $80+/year on an app when I'm trying to pay off debt!  

[TheRedHat]

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@disdreamin wrote:

I track 9 credit cards (including those of SO and child), two auto loans, 11 savings accounts and three checking accounts without software or spreadsheets, but y'all are giving me ideas. Might be easier to juggle all that if I had a better plan.

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How?? I would go insane.

[Anonymalous]

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@TheRedHat wrote:

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@disdreamin wrote:

I track 9 credit cards (including those of SO and child), two auto loans, 11 savings accounts and three checking accounts without software or spreadsheets, but y'all are giving me ideas. Might be easier to juggle all that if I had a better plan.

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How?? I would go insane.

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I don't know how @disdreamin handles it, but that was all quite feasible using the old fashioned methods. Wait for a paper bill, write a check, send it in. For the bank accounts, receive a paper statement every month, go over it to make sure there aren't any suspicious charges, and transfer any money that needs to be transfered. It won't let you optimize your credit score using AZEO of the other techniques that are so popular on this board, but in a lot of ways it's a more reliable process than the electronic version, because a physical pile of bills and statements that need to be processed is harder to forget than an easily dismissable alert.

[disdreamin]

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@Anonymalous wrote:

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@TheRedHat wrote:

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@disdreamin wrote:

I track 9 credit cards (including those of SO and child), two auto loans, 11 savings accounts and three checking accounts without software or spreadsheets, but y'all are giving me ideas. Might be easier to juggle all that if I had a better plan.

---

How?? I would go insane.

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I don't know how @disdreamin handles it, but that was all quite feasible using the old fashioned methods. Wait for a paper bill, write a check, send it in. For the bank accounts, receive a paper statement every month, go over it to make sure there aren't any suspicious charges, and transfer any money that needs to be transfered. It won't let you optimize your credit score using AZEO of the other techniques that are so popular on this board, but in a lot of ways it's a more reliable process than the electronic version, because a physical pile of bills and statements that need to be processed is harder to forget than an easily dismissable alert.

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All payroll coming into the accounts is biweekly so I just go on to each of the credit cards and pay them off on payday (three revolvers and one of the bank accounts are with the same bank, and there is other overlap with some of my CU accounts as well, so it's not as crazy as it sounds at first). Doing this keeps the credit card balances fairly reasonable, and I check any credits and debits on the various accounts at that time. I don't try for AZEO since any points gained would not really impact my overall profile. I still have paper bills for many things, but I'm old so that's a large part of it.

[BachChaconne]

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@Anonymalous wrote:

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@TheRedHat wrote:

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@disdreamin wrote:

I track 9 credit cards (including those of SO and child), two auto loans, 11 savings accounts and three checking accounts without software or spreadsheets, but y'all are giving me ideas. Might be easier to juggle all that if I had a better plan.

---

How?? I would go insane.

---

I don't know how @disdreamin handles it, but that was all quite feasible using the old fashioned methods. Wait for a paper bill, write a check, send it in. For the bank accounts, receive a paper statement every month, go over it to make sure there aren't any suspicious charges, and transfer any money that needs to be transfered. It won't let you optimize your credit score using AZEO of the other techniques that are so popular on this board, but in a lot of ways it's a more reliable process than the electronic version, because a physical pile of bills and statements that need to be processed is harder to forget than an easily dismissable alert.

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Not for me -- If I had paper, I would always lose it all... if it isn't on my computer, it doesn't exist!  Never mind the turnaround time for mailing checks in, waiting for them to post etc... 

I have all my accounts bookmarked and just make the rounds as part of my daily routine.  I also clump due dates on a few days per month... so might have 5 CCs due on the 19th, another 5 due on the 5th etc.  And autopay is my friend!

[butterpecan]

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@BachChaconne wrote:

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@Anonymalous wrote:

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@TheRedHat wrote:

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@disdreamin wrote:

I track 9 credit cards (including those of SO and child), two auto loans, 11 savings accounts and three checking accounts without software or spreadsheets, but y'all are giving me ideas. Might be easier to juggle all that if I had a better plan.

---

How?? I would go insane.

---

I don't know how @disdreamin handles it, but that was all quite feasible using the old fashioned methods. Wait for a paper bill, write a check, send it in. For the bank accounts, receive a paper statement every month, go over it to make sure there aren't any suspicious charges, and transfer any money that needs to be transfered. It won't let you optimize your credit score using AZEO of the other techniques that are so popular on this board, but in a lot of ways it's a more reliable process than the electronic version, because a physical pile of bills and statements that need to be processed is harder to forget than an easily dismissable alert.

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Not for me -- If I had paper, I would always lose it all... if it isn't on my computer, it doesn't exist!  Never mind the turnaround time for mailing checks in, waiting for them to post etc... 

I have all my accounts bookmarked and just make the rounds as part of my daily routine.  I also clump due dates on a few days per month... so might have 5 CCs due on the 19th, another 5 due on the 5th etc.  And autopay is my friend!

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@BachChaconne Bookmarked in what capacity? I'm struggling finding a budget app. TIA..

[RSX]

i am guessing he means bookmarked on his browser and he just clicks on them to login and check

i do the same. I have a group of bookmarks for all my financial sites named Bill Sites

i just hit everything in there for quick checks on upcoming payments.  New charges.  Possible Fraudulent activity.  

definitely have AutoPay setup, even though I track everything regularly - just in case

[butterpecan]

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@RSX wrote:

i am guessing he means bookmarked on his browser and he just clicks on them to login and check

i do the same. I have a group of bookmarks for all my financial sites named Bill Sites

i just hit everything in there for quick checks on upcoming payments.  New charges.  Possible Fraudulent activity.  

definitely have AutoPay setup, even though I track everything regularly - just in case

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@RSX Do you still have a sample blank sheet of the vertex spreadsheet I saw on another post?

[RSX]

@butterpecan   yup.   PM me your email and I will send you one that has some sample numbers in it as well

[butterpecan]

@RSX Thank, PM sent!