My credit union also just redesigned their website and now incorporates another level of authentication! The (sarcastically) awesome things about this are:

1. It isn't two tier because it asks for two different passwords. At least issue me an RSA key or something, instead of constantly pinging my cell phone with a new access code whenever I need to log in.

2. The "remember this computer" function stores a relevant cookie in my browser as opposed to remembering my IP address. Yay to having to authenticate if I'm using a different browser or after I clear my browsing history!

I've given up on Mint.com - the amount of fine tuning, learning the UI and incorporating my regular weekly financial reviews into their system just didn't mix. But here is what I am doing instead!

1. Currently I have two checking accounts: one automatically pulls in $500 for my personal monthly "spending allowance" and the other pulls in enough for bills based on my calculated budget. Segregating didn't work for the deep south, but for my pay check it gives me a hard line for me to spend up to without worrying about impacting necessary expenses (and another $2000 goes straight into my savings).

2. I spend the first of the month divvying the $500 into my spending account and comparing my projected bills against what I paid from my account the previous month. I've cancelled one or two recurring expenses because of this and am spending maybe $200 less.

3. My credit union lets me export my transactions into a .cvs file and I've been using this data to graph any increases or decreases in monthly expenditures for both my spending account and the one I use to pay my bills. Seeing personal trends is helpful!

4. I've slowly come into the mindset that I can "save" my monthly spending allowance to afford more expensive things. For example, I'm currently saving up for a $600 camping back pack and I'll have enough money "saved" by next month.

tldr: Mint.com = fail, but I've beefed up my other personal budgeting habits in response to what I'd ideally (but am not able to) do at that site.

Nope! Mint is just a reporting tool, you can't pay bills through it or anything.

Would this site stop the stupid stupid stupid stupid fucking requirement that one of my credit cards requires? The one where they have to send me a fucking text before I can login and give them money?

I like that it ties all my accounts together, but it is annoying when one site changes it login process or something and makes you reconnect that account.

If you have a need for detailed filing of all your credit card transactions it's good at that.

Mainly it's a reason to say "Your investments are going wonderful, Dracula!" in Death's voice every week when they email me a summary.

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I'll update this thread once I figure out how to use Mint.com.