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12 Jan 2012

The Author

Jessica Bosari is the Site Manager and Editor for Billeater, a blog with Money-saving tips to lower your bills. When she’s not gathering money-saving tips, Jessica is feeding her geeky side with sci-fi movies, tech gadgets, useful apps and productivity tricks, just to keep things interesting.

Read more of Jessica's great financial advice below or view her other work at Billeater.com.

...if you like Jessica's work, check out the blog posts from another personal finance guru who contributes to this publication: Sam Hammar
Don’t Like Mint? Try One of These 5 Online Budgeting Alternatives
Alternatives to Mint

Mint may be the most popular budgeting site online today, but it’s not the only online financial site with nifty tools. Here are five alternatives to Mint that might be more your style.

Buxfer

Buxfer’s biggest strength is its simplicity. You can do everything you would want to do on a budgeting site, including link directly to your bank account and automatically pay your bills. The navigation is easy to understand and the links make sense at a glance, which is nice if you’re not the most comfortable dealing with finances in the first place. Buxfer’s services are free.

Budget Pulse

BudgetPulse has a friendly layout that is meant to make dealing with finances less intimidating. You can use the site to track your spending through reports and graphs so that you can see where your money is going each month. The budget planning aspect is designed to help you set a financial goal and then reach it using details from your actual accounts. Budget Pulse is also free.

My Spending Plan

MySpendingPlan separates all of your monthly bills into individual envelopes, just like if you got them in the mail. You can use it to set up a budget for your household or to create a specific budget for a big event like a party or a wedding. MySpendingPlan doesn’t connect automatically with outside accounts, so you’ll have to enter all of your financial information by hand. It’s great for keeping your accounts secure, but it can be cumbersome to make separate entries for all transactions. MySpendingPlan is also free service.

Google Docs Budget Templates

If you like to use Google Docs for office-related projects, you should know that the Google Docs Template Gallery is filled with budgeting spreadsheets that are designed to help you track your budget online. You will find simple check registers and more complex spreadsheets with fields that automatically update when you enter new information, making budgeting a painless automation. The Google Docs templates are not as powerful as some other alternatives to Mint.com, but they are easy to use and integrate nicely with other Google Docs. Google Docs is similarly free.

Yodlee Money Center

Yodlee is the site that inspired Mint and several other online budgeting sites. The online service doesn’t focus as specifically on budgeting, but it does include some powerful tools for keeping track of your finances. MoneyCenter integrates well with most online banks, which makes it easy to download your account information directly to the website. Reporting tools and graphs provide a good visual for tracking spending and income at a glance. You can also use MoneyCenter as an online bill paying service for the majority of your accounts. Like the others, Yodlee MoneyCenter is a free service.

Ever tried any of these online budgeting services? What’d you think? We’d love to hear your feedback in our comments section below.

billeater logoJessica Bosari is a PerkStreet Customer Columnist, as well as the Site Manager and Editor for billeater a blog with money-saving tips to lower your bills. When she’s not gathering money-saving tips, Jessica is feeding her geeky side with sci-fi movies, tech gadgets, useful apps and productivity tricks, just to keep things interesting. Read more of Jessica’s great financial advice on Perkstreet’s blog, or view her other money-saving tips at billeater.com.

12 Comments
  • Pmosh

    I use mybudgeteer.net and I love it. Let’s me have budgets that roll over from month to month and it’s simple tou use.

  • Kelli

    Sorry you didn’t include YNAB (You Need A Budget) which is fantastic and DOES help you save for the future!

  • Andrew VanStee

    I love YNAB although this list is for online budget tools. Has anybody tried Adaptu Wallet or Bundle?

  • http://Twitter.com/KylePs80 Kyle Psaty

    Another customer wrote a review of Adaptu for us recently — though it doesn’t talk about Adaptu Wallet (their mobile app, I believe). Here’s a link to that post: http://blog.perkstreet.com/adaptu-com-be-accountable-for-your-budget/ 

    If anyone has tried Adaptu Wallet or Bundle, I’d be interested to hear about them. Maybe we should review them here on the blog? (By the way, customers are always welcome to submit posts to editors@perkstreet:disqus .com)

    -Kyle

    Kyle Psaty
    PerkStreet Financial

  • http://Twitter.com/KylePs80 Kyle Psaty

    We’ve heard a lot about YNAB. People seem so excited about it and are so vocal — it reminds me of PerkStreet :)  

    What are your favorite features? What makes it different? 

    -Kyle

    Kyle Psaty
    PerkStreet Financial

  • http://Twitter.com/KylePs80 Kyle Psaty

    Very cool. How do you reset the budget at the end of the month? If you have money left over, where does it go? If you forget to reset your budget at the beginning of the month, does it get messed up?

    Tell me MORE haha. Sorry, I’m a little nerdy about this.-KyleKyle PsatyPerkStreet Financial

  • Currieka

    I still think mvelopes is the best.

  • Jacob

    Don’t forget YNAB

  • http://www.facebook.com/people/Ita-Udo-Ema/584338085 Ita Udo-Ema

    PocketSmith is pretty good.  I’m not thrilled with the “Budget” expense tracking functionality.  But you can input future expenses on a monthly calendar.  Great for forecasting.

  • Paul Sims

    what services (IF ANY) does Perkstreet download to automatically?  that’s the key.  if we have to input the data every month, most people (me included) wont use the tool  It has to be easy–i shouldnt have to download, technology should do that

  • Brendan Carroll

    Hi Paul,

    We should auto download into the majority of personal finance software (PSF).  I personally use Mint.com.  The only major PSF that we do not auto integrate with is Quicken.   We are fully compatible with Quicken, however auto integration is cost prohibitive at the moment.

    Best,
    Brendan
    PerkStreet Financial 

  • Hareiana

    I use Out Of The Dark (OOTD) budgeting because it has two features which I could not find with other budgeting web apps, Cash Put-Aside management built into my budget and what they call Credit Card Debt Terminator also built into my budget. The Cash Put-ASide feature makes managing annual bills and putting money aside for any purpose very easy, I cannot imagine living without it now. Another thing I like about OOTD is the side by side budget and tracking columns allowing me to track my monthly actual spending against my set budget amounts at a glance, and the service is unconditionally free and free of advertising too. It’s available at: myootd.org

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