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Jezilynn
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This doesn't really fit into any of the categories but I'm really bad at managing my money,which is why I'm in the process of credit repair. Anything that would help me or teach me better ways would be fantastic.

Does anyone have any info on this website?

BTW: I just went through my first round of disputes and so far have gotten 1 deletion.:D I'm still waiting for the rest to come back.

I'm so excited to be learning so much!

Thanks so much for any info you can offer me!

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This doesn't really fit into any of the categories but I'm really bad at managing my money,which is why I'm in the process of credit repair. Anything that would help me or teach me better ways would be fantastic.

Does anyone have any info on this website?

BTW: I just went through my first round of disputes and so far have gotten 1 deletion.:D I'm still waiting for the rest to come back.

I'm so excited to be learning so much!

Thanks so much for any info you can offer me!

Looked at it but don't see any real benefit from it that you can't get from MS Money or Quicken IMHO.

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You can use any budgeting software, but honestly I have found that spreadsheets, such as MS Excel, are great because you can program them yourself to add your bills, calculate your income and expenses, and track all of your savings and other accts. I tried using other software but I really think excel is best. Most important part is developing a realistic budget and sticking to it. Good luck buddy..

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  • 1 year later...

Hi all!

I have a Mint account, but I prefer Yodlee, located at:

My Yodlee Moneycenter

Yodlee provides the online security for 95%+ of all banks, credit cards, etc. If you check your accounts online, you are most likely using Yodlee's services without knowing it.

Both seem to have appeal to all folks, good luck!

Quietman

P.S. Look for the REGISTER NEW USER in the middle of the page, about 2/3 the way down

P.S.S. I do not work for Yodlee, and it's a free service anyway.

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I have a Mint account, but I hardly ever look at it. As someone posted earlier, I'm more of an Excel guy. So, I have all my CC accounts on seperate sheets, and update them every other day with my receipts.

See if it works for you, but do develop a system you will use on a daily basis! Good luck with the repair process :)!

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  • 2 weeks later...
Hi all!

I have a Mint account, but I prefer Yodlee, located at:

Mint uses Yodlee's technology. In the regards of aggregating accounts, they should be very nearly identical. Mint supposedly offers more bells and whistles, and allows you to manually input other items to calculate your net worth, e.g., antique furniture, cars, gold, jewels, etc.

Yodlee lets you aggregate email addresses in addition to accounts.

Both of them are "free"; however, they both make money by matching offers to you through third party affiliates. In marketing terminology this is called "lead-gen". At the moment, it's unclear how much of your personally identifiable financial data is used/sold to third parties when determining these offers. The Lead Gen industry is full of largely toothless regulation.

Basically, who really knows who's looking at your data and making decisions?

IMHO, Deanna has it right... run for the hills.

As someone posted earlier, I'm more of an Excel guy. So, I have all my CC accounts on seperate sheets, and update them every other day with my receipts.

I use Excel also. It's clean and simple and I'm in complete control of the data; also, there are about a million free spreadsheet programs out there from simple to complex. Further, if my files ever get unwieldly, I either simplify them by cutting out needless categories, or I convert them to an Access .MDB file.

If you want to use Quicken/Money or other PFM, go ahead, but I contend it's largely unnecessary for personal finance and not to mention relatively expensive.

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This doesn't really fit into any of the categories but I'm really bad at managing my money,which is why I'm in the process of credit repair. Anything that would help me or teach me better ways would be fantastic.

Does anyone have any info on this website?

BTW: I just went through my first round of disputes and so far have gotten 1 deletion.:D I'm still waiting for the rest to come back.

I'm so excited to be learning so much!

Thanks so much for any info you can offer me!

Oh yeah, I know how you feel - THIS is the place to be!!! :)

I learn something new everytime I am here...

To add to your questions, has anyone had any experience or any thoughts about feedthepig.org or thecreditfairy.gov/org? They advertise them on the radio, but who knows.

Also, I am getting ready to start my first dispute process... I only have ONE dispute/negative record on my credit history, so it is a HUGE thorn in my side, without it my credit would be VERY high - so I am nervous to start and do something wrong and mess it up :(

I will need to keep doing research and just buckle down....

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You can use any budgeting software, but honestly I have found that spreadsheets, such as MS Excel, are great because you can program them yourself to add your bills, calculate your income and expenses, and track all of your savings and other accts. I tried using other software but I really think excel is best. Most important part is developing a realistic budget and sticking to it. Good luck buddy..

THIS is literally the ONE THING I've been trying to create and perfect for over a year now. I'm not great with Excel, but I feel it would be the best by FAR! You can type in formulas to add/subtract and give you real-time updates of your monthly projected income and ending balance in your bank account...

I wish I could get this up and running, I am still manually typing everything in and using a calculator :( Do you have a template I could use or a website that offers good tutorials and instruction on how to use Excel and input formulas etc? :o

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Ok i have been using mint.com for aver a month now and I think they email you too often. I get 2 or 3 emails a day it is annoying! On the other side it gives me real time views on each of my accounts in one place... I am going to continue to use it... and re evaluate it's usefulness on a regular basis. I still log in to each of my accounts at leas once a day lol a bit obsessive i know but... hey i am obsesses lol

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I believe there is a way to change your preferences through your mint.com account. You may have to play around with the site a bit, but I only ever get emails when a large deposit hits my bank account or when I went over budget on something. I do get my weekly emails showing me where I stand with stuff too but that's about it.

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