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Believe in ones self
TCS is the worst company one can be in.
Cheap mindset management cares more about timesheet,wfo,forceful mandatory trainings,imposing strict restrictions on laptop,access to personal docs only via vpn,no employee well being no salary hikes nth at all.90% projects filled with freshers coz they cost less.No WLB for good dedicated hard working employees as they are punished with more and more work, leaves rewards mostly for people who don’t work.But no issues kyunki job security hai 😂
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A Google sheet I update every payday
Since the problem is with usaa and not with personal capital, I stopped using my usaa accounts as much. I just keep $100 in my bank and almost never use my cc, which has pretty weak rewards anyways.
I also switched to simplifi which has better account integration overall, allowing me to sync my AOD FCU and Elements FCU accounts, but they're $3/mo, so some ppl might not be into that.
Personal capital has better investment tracking while simplifi has better expense tracking.
If you wanna stay free, I think mint is your only other choice
I discovered simplifi from this reddit thread: https://www.reddit.com/r/personalfinance/comments/10s3lvl/anyone_remember_the_old_software_program
There's a lot of other programs and sites. In the last week or two, I tried monarch, kmymoney, gnucash, moneydance, quicken, ynab, tillerhq. The free ones on that list (gnucash and kmymoney) require you to handle double entry bookkeeping for literally every transaction. I think all the others cost like 80-100/yr like quicken, ynab, or monarch, which I thought was too much but some ppl swear by them.
In the end, simplifi was the best choice for me. Most have free trials (simplifi, monarch, tiller hq) or a 30 day guarantee period (quicken, moneydance). Maybe try a couple of them to see what's best for you
Just have an excel too. KISS
Old school like me 😎
I use an excel file
Mint it's free and seamless integration
Mint is trash with USAA specifically. But it’s not Mint’s fault, USAA doesn’t want to play nice with anyone else.
Just keep using personal Capital? It’s not being called embrace
SoFi has a solid setup for this, although for some reason it can't link to my TSP.
Shows spending and can be categorized with custom tags.
Tracks investment accounts and assets, as well as debts.
Free to use, but they're using your info to market to you.
Monarch
I’ve been thinking about leaving USAA. As others point out, they don’t play nice with Mint or other similar apps, I no longer have home insurance with home, and they don’t have stocks/mutual funds anymore.
Why do you think that had to happen? Does BOFA have mutual funds or stocks services that are their own?