Keeping transactions categorized in Mint easily takes me a couple hours per month. Many restaurants&#x2F;bars&#x2F;online shops have terrible metadata for their transactions, in my experience. I typically have ~300 txn&#x2F;month between my wife and I. Most of them take no time at all. The ones where I have to dig due to crap metadata usually take 5-10 minutes apiece.<p>I&#x27;ve mostly decided it&#x27;s not worth it, but every couple months I&#x27;ll ask &quot;how did we spend this much?!&quot; and categorize everything only to discover it was my new ski gear all along and I&#x27;d just forgotten it.