For anyone who has been following this blog for the past two years or more, everyone and their kitchen sink and uncle’s cousin knows what a big fan of I am.  I was such a fan that I wrote a review on it.

I mean, where else can you have access to all your bank accounts (I have a ton of bank accounts all compartmentalized and neat, just like my home and life haha) all at once, with just one login?

I used mint to access my information when I do my net worth updates, I use mint to check how I’m doing on my credit card bill so far (and usually it quickly helps me to go “woah! that’s a lot of spending this month, I better tone it down”), and I use mint to see how I’m doing toward my mini-financial goals of getting a new car (no don’t worry, not a new-new car, an old-new car, do you know what I mean?) and funding my trip to Africa.

I loved the design of it, the functionality of it, and the ease of it.

However, there is one thing that I didn’t like.

And unfortunately this is a big thing.  A big big thing.

To find out whether you should stick with Mint or maybe try another popular budgeting app such as YNAB (You Need a Budget) click here to take our quiz and determine which one is right for you.

Why I Broke Up with

Why I stopped using mint.comDon’t get me wrong. was fantastic.  We had a great relationship.

He was dependable.  Always delivered.  Was considerate of my need for organization and time management.  Was considerate of my laziness when I was too lazy to check each account individually.  He was damn good looking.

The problem was, I just couldn’t see a long-term future with him.

He was like a ticking time bomb.

Sure, he offered  commitment but there’s always the what if…

What if unbeknownst to me, he cheated on me with a suave cyber hacker?  I wouldn’t be protected and that cyber hacker would run away with all my money.  The dependability and the protection that offered would be gone.

My would just shrug his pretty chiseled shoulders, avert his eye contact, and say “uhh I don’t know what happened.  I’m sorry it happened.  I didn’t know it was coming.”  Meanwhile, the banks would say that the breach happened with a third party provider ( and they would say that can’t do anything about it.

Well an apology isn’t good enough boy!  My bank account will be wiped out from super computer geniuses out there and I wouldn’t be protected.

Yes, I’ve Joined the other Wary Financially Savvy PF Bloggers

I know there are a lot of PF bloggers who are wary of  Many have either not signed up ever with because they have enough financial diligence to track their expenses through Quicken or YNAB or something.

MoneySense magazine (you know I love them) contacted the big five banks in Canada and asked about this issue and they confirmed that “You are responsible for any losses from any use by a third party that provides an online account aggregation service.”

When you give your banking account numbers and passwords to a third party.. if any sort of fraud happens, you wouldn’t be protected because essentially you are breaching the contract with your big bank.

Intuit owns  It’s safe.  But if something WERE to happen, you wouldn’t be protected.

The Vancouver Sun did a great series on including one on the safety of  The servers are heavily protected in the Intuit facility and you need a hand print on a fancy door in order to get into the room (yeah just like the movies).  He said that the benefits of probably outweighs the risks.

However, the possibility of your own account getting hacked into is easier (people just need to find your password).  However, once they get in, they won’t be able to do anything with your money since is essentially a read-only aggregator of your accounts.

If you have a few hours to spare you can go into detail on the safety of on the website by Jason Owens.  He also details how he would go about hacking into your account as well.

I’ll miss

I wont’ lie.  There are some days that I really miss  The break up was tough on me.  I really loved him.  It had to be done though…

Finding a replacement for
My favorite replacement to is undoubtedly You Need a Budget App. It does come with a price, but the amount of support you would be getting in any form makes it worth it. The best app on the market in my humble opinion.

Readers, do you use