I’ve used mint for 1.5 years and I track every account with it from college  to retirement. I set up a budget on the 1st of the month and I sign on about every 2 days to make sure transactions go into the correct budget category.
I love the trends and the noticeable month I started to coupon. Groceries dropped by 1/3 thanks to mint and Jenny!

I used Mint briefly, but became frustrated with it because of the iPhone app. It was often wrong, even after updating the app with each available update. It would tell me crazy things like telling me I’d gone over my. Like saying I’d gone over my clothing budget by $600 when I hadn’t spent a cent on clothing that month. Since I really only used the app and didn’t log on much elsewhere, it eventually just got deleted. Not worth the frustration of always having to cross check what the app says.

We’ve been using Mint for about a year and love it.  You do have to keep up with it by categorizing your charges (it’s not psychic, but does a pretty good job of guessing what category a charge falls into and then remembering a merchant for next time).  It’s really a great option for people who want to have “electronic envelopes”. 

I LOVE MINT! I started using it a few months ago after I lost some financial records when my computer crashed. I’m a little OCD, so I like lists and organized charts, etc. It did take a little bit of time to initially set up the accounts, but I like having all of my accounts (including bank, credit, etc.) in one place. I also love the way that it allows you to track your spending in categories and set budget goals. I did experience some of the same issues that others have mentioned (like having to change the assigned categories manually), but it doesn’t take long to change the few that are wrong, and it’s definitely quicker than having to record each transaction, as in some other programs. I’ve also found that when you add your own “pending” transaction, you might have to go back in and delete a double entry once the original transaction clears. Just as using any new program, it takes some getting used to, but once you learn how to use it, it’s quick and easy.

Is this a completely free budget program? 

I used Mint for a year and have now changed to another free program call Yodlee. It takes a bit to get all your accounts loaded but is great if you use a credit card cause every penny you spent is tracked.

The main reason Mint didn’t work for me cause you can’t print your budget or your account balances. It just was too difficult to discuss money with my husband while hovered around a computer screen. There were other minor pet peeves but is a decent program for free.

We have been using Mint for over a year. We have iPhone with the app so you can see it on the go. I love the budget part! :)

I can’t imagine life without Mint! My husband always wanted to use envelopes but carrying cash and actually tracking where the money was going was tough. Plus we needed to track expenses we’d paid with our credit cards that were reimbursable for work. Mint allows us to do all that.

Just last night I was wondering if a company had credited back a purchase. I searched for the name of the company in Mint and was able to see all transactions from that company for the last 2 years. No credit yet, but saved me so much time of going back to my credit cards.

One other feature I love – you can rollover your budgets month to month. So, for example, our clothing budget – about $50 a month will rollover. I don’t always buy clothes every month, but sometimes I spend $100 or more at a time every few months. The money is there for me, saved.

Just a warning – it does require time – not a ton, but mostly making sure your transactions are going into the right categories. Getting into a habit of logging in every few days makes everything easier. The features aren’t perfect but being able to track our bank accouts, credit card transactions, retirement, etc…makes up for it.