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I’ve started using PayPal and Venmo for occasional payments to family, friends, and a few contractors. We’ve been doing online banking and bill paying for a while, but are looking at automating some of our bills as we anticipate more travel in retirement (and post-Covid). I still depend heavily in Excel, and self-aggregate my accounts for yearly balance sheets.
When young, my dad’s example was what I followed… use a spreadsheet to track spending and to plan for upcoming bills.
When I started investing, I got damned frustrated because that spreadsheet couldn’t update itself as market values updated. That frustration led me to the Quicken app.
I’m still using it for three basic functions:
I use good ole excel for most personal finance tracking. Boring, I concede.
There are some cool sites though – obliviousinvestor has a great Social Security calculator, BofA/Merrill has awesome free research & charts, Fidelity Investments has a simple Solo 401k calculator, The Points Guy is ideal for credit card rewards, The Finance Buff has excellent takes on tax & retirement account issues.
I’m not big on the finance app scene – many times those can be information overload! Keeping it simple has its virtues.
Tiller Money is a relatively new tool for tracking expenses. It downloads data into a Google Sheet. It’s not nearly as polished as something like Mint, but in exchange for the rough edges, it’s very flexible.
I use “Personal Capital” as my financial aggregator. It keeps track of my expenses, investment accounts and mortgage. It also has a very good retirement feature projecting my pensions, annuities, medical expenses projected investment returns. The service is free-although I’m sure they prefer you to use their investment products.
I have been using “Mint” for about two years now. It’s a simple way to keep track of my various accounts and their balances.