No, I think you've got it exactly right, DaveF. Mint is just a way to view all your various account pages all in one place. You can't actually /do/ anything with it.
Like, it's the 14th of the month today and I've already written the check for my mortgage payment due on the 1st. There's no way to make mint reflect the "real" balance in my checking account, though, and I have to just remember that the balance that mint shows is inaccurately higher than it really is, because mint won't know that my mortgage check exists until it clears the bank.
Later this week I'll probably get my AmEx bill and when I do I'll pay it as well. But mint won't know that my account balance is that much lower for 2-3 weeks when the check finally clears.
And as bad as mint is for looking ahead just 2-3 weeks, it's even worse if you want to plan ahead a year or two. All the fancy trending graphs and projections that a Quicken user is accustomed to seeing just don't exist at all in mint (or -- to be fair -- yodlee or any of the other online financial websites).
I can't see how mint is acceptable for anyone unless their financial life is ridiculously simple and unchanging.
Like, it's the 14th of the month today and I've already written the check for my mortgage payment due on the 1st. There's no way to make mint reflect the "real" balance in my checking account, though, and I have to just remember that the balance that mint shows is inaccurately higher than it really is, because mint won't know that my mortgage check exists until it clears the bank.
Later this week I'll probably get my AmEx bill and when I do I'll pay it as well. But mint won't know that my account balance is that much lower for 2-3 weeks when the check finally clears.
And as bad as mint is for looking ahead just 2-3 weeks, it's even worse if you want to plan ahead a year or two. All the fancy trending graphs and projections that a Quicken user is accustomed to seeing just don't exist at all in mint (or -- to be fair -- yodlee or any of the other online financial websites).
I can't see how mint is acceptable for anyone unless their financial life is ridiculously simple and unchanging.