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For those who still live somewhat paycheck-to-paycheck (or who manage their money that way as I do), Mint can be a bit challenging to use because it only allows

For those who still live somewhat paycheck-to-paycheck (or who manage their money that way as I do), Mint can be a bit challenging to use because it only allows budgeting at a monthly resolution and things like pending charges, etc., can be tricky to manage. For me it's easier to see "I have A amount coming on B date with C expenses due and D left over for saving or spending" than it is to try and budget monthly and deal with all of the expense carry-over, etc., that Mint tends to do. Maybe I'm doing it wrong but it's a system that, so far, has worked for me for a little over a decade.

sl1ck731 8y ago
I didn't consider resolution under a month. I can see that angle. I know some of the graphics are not detailed enough so I will occasionally dump the CSV data from it and make a graph in excel.
eggy 8y ago
Funny, but I still use a 6-month cash-flow spreadsheet broken down bi-weekly. I teach my children about other tools, and what they should learn about to do it better, but if you dutifully keep a 6-month to 1-year cash flow spreadsheet, you are leagues ahead of the average person. It was the first tool (started in my thirties, and in my mid-fifties now) that made me avoid waking up to a negative balance, because I couldn't foresee expenses coming in right before my paycheck. I admit I haven't done much beyond this, however, compared to my parents, I am doing much, much better. I can only hope my children can write the same twenty years from now!