[bananabill]

Echoing everything stated here.

YNAB recently got the ability to automatically pull your bank transactions, but I would actually recommend against this for a few reasons.

1. This the same problem mint has, there's a delay on the order of DAYS a lot of the time. Makes it hard to tell how much of a given category you have left.

2. Actively recording expenses the second you spend the money is easy, and a really good habit, because you'll be more in touch with where your money is going, with fewer surprises.