Do you and your spouse go round for round when discussing the family dollars? If you can relate then you’ll want to give Mint.com a chance to referee.

One evening my spouse and I got in a heated discussion about our finances, I was trying to get us to establish and KEEP a budget on track. He stayed up all night looking for the solution, which was Mint.com.

My spouse was looking for something that would allow us to see our budget in real time and not some ” piece of paper on the fridge.” Mint.com allows us to sit down with a visual aid when having our monthly family budget meetings. It helps with keeping all family members accountable for their spending.  No more edits and recalculations on paper, simply adjust your budgets making sure that your income equals your spending. If it doesn’t its time to crunch that budget and see where you could re-purpose your money.

Mint also allows us to manage our credit card spending in order to achieve point accrual  for vacations while still keeping our budget in the green. You can manage credit cards and other accounts such as savings and/or investments.

As stated in staciedaisey’s previous review of Mint.com, it is 100% safe and secure with their objective being “Complete Security and Privacy.” It is a “read-only” service so you can feel confident about playing around with your budgets.

To make sure the budgets are being monitored properly, its important to set up email or text notifications. This way you’ll be notified when you’ve gone over a set spending limit or if a large purchase has been made.  Mint allows notifications to be sent to two email addresses so that both administrators receive them.

Another great feature is that if  you get paid on a two-week pay period you can adjust the date (post transaction). Sometimes our pay date is a couple of days before the month starts so we’re able to adjust the transaction date so that it reflects in the appropriate budget month.

The goal feature is our latest discovery.  Through this feature we are currently budgeting to pay down student loan debt. We’ve made our largest debt payments since managing our finances with Mint.com.

All functions can be managed online while the Mint.com app from the android market offers fewer functions.  The app does not allow you to split a budget category and apply tags; however, it provides a quick look at where we stand financially when at the grocery or convenience store.  Already using the Mint.com Personal Finance app by Intuit? Tell us how its helped you manage your money to pay down debt or save for a home.

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