I use YNAB and I really like going through my transactions manually. I import them from QFX or what-have-you, and then manually confirm them and reconcile. I've found it to be helpful psychologically; I find myself thinking, "ok, that expense seemed great at the time, but am I happy about it now?", which helps me cut down on the kind of spending that I tend to regret.
I used Mint for a long time, and it never helped in any way. I would go look at the summary once or twice a month, think "ok great, all in order", then eventually stop looking at it at all because there was never anything actionable and thus little point in looking.
Comments
I use YNAB and I really like going through my transactions manually. I import them from QFX or what-have-you, and then manually confirm them and reconcile. I've found it to be helpful psychologically; I find myself thinking, "ok, that expense seemed great at the time, but am I happy about it now?", which helps me cut down on the kind of spending that I tend to regret.
I used Mint for a long time, and it never helped in any way. I would go look at the summary once or twice a month, think "ok great, all in order", then eventually stop looking at it at all because there was never anything actionable and thus little point in looking.