I use YNAB which is basically the manual version of Mint. It imports exactly nothing for you. You must log into your bank account&#x2F;credit card and log each transaction and categorize it yourself. This might take me 30 minutes per month. If you wait until the end of the month it will take longer because you&#x27;ll forget what you did at the start of the month. You need to keep up with it like anything else.