So I just started using Mint and imported all my accounts. Holy cow is this cool! I just haven't figured out how to set the budget and spending alerts I want. I really don't need or want to set up a detailed budget - I just want to set up a few spending alerts. Any Mint users know how to: 1. Set one collective budget/spending alert for all monthly credit card spending? 2. Set one collective budget/spending alert for all monthly "fun" spending? I see subcategories for things like "restaurant," "fast food," and "entertainment" but I want one collective spending alert that hits all these.
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posted: Aug. 26, 2016 @ 12:26p
You can only set budgets on specific sub-categories or top-level categories and spending alerts are limited to the options available in settings->notifications->spending alerts.
1) One of the spending alerts is for "available credit below $X" with some limited choices for $X. You can work this backwards from your credit card limits to get a warning that you surpassed the budget. Your total credit card balances are in the left hand column of the Overview screen, you'll have to log in and check it periodically to see where you stand. 2) You can create your own sub-categories under "Entertainment" for everything you want to track and then set a budget on Entertainment. You'll have to log in periodically and tag all your transactions with the proper category.
Alternatively start with a rudimentary or best-guess set of budgets on top-level categories like Entertainment, Food & Dining, Shopping, etc and tweak them as you learn your spending habits. This is kind of the whole point of Mint to understand where your money is going. I log in daily to update transactions with my custom categories and check for fraudulent or otherwise unexpected transactions that I need to investigate, it saves me from having to go to each card and bank's website.
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