I stopped using mint for two reasons. 1.) Privacy reasons: they don't charge for the service so I pay via data sharing 2.) Legal concerns: my bank's TOS imply

I stopped using mint for two reasons. 1.) Privacy reasons: they don't charge for the service so I pay via data sharing 2.) Legal concerns: my bank's TOS imply if I give my password to someone it harms my ability to claim fraud. I worry if there is ever a security issue with the protocols Mint uses, I will have my checking account drained or CC used willy nilly and have to fight uphill to dispute the charges. I used Mint for many years to track my spending. I found that moving my "entertainment" budget - for meals out, movies, and sundries - into cash led to me overall spending less, without the mental strain of pouring over things. Most credit cards nowadays give pie charts and stuff similar to Mint in the web UI. I wish I didn't have to spread spending across multiple vendors since I maximize cashback, but I wish someone would examine whether, in the long run, cashback actually saves you money or if it just makes you spend more due to the frictionless nature of using a credit card. Casinos use chips for a reason. I withdraw my entertainment money monthly, and it makes me think hard about each cup of tea out etc. I think in conversations about cashless being king, we forget the very real phenomenon of overspending with plastic.