Stance: Studies on the Family

Brigham Young University Student Journal

Tag: self improvement

Is Mint by Intuit Right for You?

The word finances makes many newly-married couples cringe in fear. While everyone recommends budgeting, saving, watching credit scores, and tracking financial growth, these tasks bring with them extra time and energy demands that are often unrelenting. New and old families alike know they are supposed to do those things, but often do not know how to get started. And that is where the age of technology comes in! Over the past few months I have been using a very popular mobile app called Mint by Intuit to help me wrangle in those pesky tasks and hopefully plot a course of financial security. I will be going through some pros and cons of this service and hopefully allow those looking for a way to budget efficiently decide if this product is the right choice for them.

Pros:
  1. The user base is huge! To be honest, the reason that I am reviewing Mint is that it was one of the first apps that showed up when I searched for budgeting tools on the iOS app store. The good news is when an app has a large active user base, the company that manages that platform is more likely to keep the app up-to-date and to respond to suggestions and emerging technologies. This puts users in a good spot since they know that they are syncing their personal financial information with a widely used and respected service and not some shady back-alley app.
  2. It is free! This has to be on this list. An app gets put in many people’s good graces, including mine, when it can be downloaded for free. And the free train doesn’t stop there; the service does not have any premium or “pro” features that require a subscription service, meaning it is a truly free app—not one of those sneaky mostly-free ones.
  3. Automated! Using technology is supposed to make life easier, right? Well in this case, the answer is yes! Once you sync your bank account to this secure application, Mint does the rest! It creates charts and tracks spending patterns automatically and religiously. Before using this app I did not know to the exact percentage point what I was spending on entertainment, but now I do. With the information that is ready at your fingertips immediately after signing up, it is simple to start making plans and adjusting habits to align better with your financial goals. My wife and I were able to see that we were doing super well on some categories (food, clothes, and movies) but could use some work on others (eating out).
Cons:
  1. Ads. While the service is completely free, we do live in a world where money, unfortunately, does not grow on trees. As such, Intuit has decided to display banner style ads throughout the app and saturate the “Suggested Investment Products” feature of the app with its own systems. So while I revel in the app’s freeness, I do note that purchasing any other services strictly from the in-app recommendations without any third party advice is probably not the most recommended course of action.
  2. Automated. I know this appears on both lists, but for good reason. The automation does wonders on productivity, but I kept feeling like I was missing out on truly learning how to budget and plan the family’s finances. When the system was doing everything for me I realized that while I had great information now, I hadn’t learned anything. For those that want to learn budgeting, and not have it done for them, there may be better options explored in the future.


All in all Mint is a great product. It looks clean, it is easy to set up and use, and it has provided me with wonderful information that my wife and I have begun to use to our advantage. It truly is important for every family to budget and work toward financial security. With that being said, Mint just may be the right app for you to get on that road to financial success.

Photo by William Iven on Unsplash

BY JOSHUA HANSEN

3 Ways to Create a Positive Attitude

 Ways to become your best self“Oh, here we go again, a reminder of how imperfect I  am.” Usually when we think of self-improvement, we tend  to start underestimating ourselves, our potential, and our  purpose.  We focus on our weaknesses and our mistakes,  making it  difficult to remember our strengths and  successes.

 Have you ever received “constructive criticism” but, in  reality, the words actually take jabs at your heart? Have  you  ever set goals and held high hopes, only to realize  that  carrying them out was close to impossible?  (especially with  the way you had planned)

Like many of us, you’ve probably felt down on yourself. You’ve probably failed a few times and have felt like you were drowning in depths of despair. The last thing you want to think about is how you can be better.

You’ve already made a list of what you consider weaknesses and what you can improve: serving others, friends, smiling, prioritizing, organizing, cleaning, showing your love, getting good grades, finding/keeping a job, stop crying so often, eat less/more, exercise, and so forth.

At this point you’re having trouble trying to remember that you’re worth something.

This isn’t how self-improvement should be. There is an optimistic side of self-improvement that Screen Shot 2016-11-01 at 10.16.56 AMmany people don’t mention, or even recognize but in reality is the most important for actual progress.

For me, especially when I’m being hard on myself, I like to remember three steps that help improve my mental health and attitude. Improving attitude is the best thing we can do to strengthen ourselves in times of need and to prepare for difficult times in the future. We can recognize that we are not perfect now, but we can also be confident in our ability and purpose as we strive to become better.

1) Strive to overcome your weaknesses. Now, this doesn’t mean you ignore your weaknesses, nor does it mean you will be “weakness-free” anytime soon. It does, however, mean that you recognize your weaknesses and have a desire to change. With patience and grace, along with the desire to learn, you come to recognize that what you once believed were your weaknesses, have now become strengths when used correctly. For example, although speaking loudly is a trait you may feel ashamed of in some situations, in others it works greatly, so you discern in which circumstances you can make it a strength.

2) Use your strengths. The best way to improve is to remember your strengths, and to put them in action. We all have things we are good at, whether it be as small as making your bed every day or as big as recently getting a new job. Recognize your strengths and cater to those. Strive to set goals within your abilities, this will help you accomplish more and gain confidence in your abilities.

3) Fear not. Don’t get down on yourself for the fact that you need to improve in some areas. It is a common sphere that we are all working within. Remember that through it all, you are still amazing and there are good things to come. Remember that you CAN do it all, all that is required of you and all that brings you joy.

“Almost every successful person begins with two beliefs: the future can be better than the present, and I have the power to make it so.”

Believe in yourself. Believe in your capability. Believe in your ability to become. You are strong, beautiful and full of potential. Embrace it. Overcome the despair of failure and find the joy in imperfection. Find the joy in progression. Focus on self improvement.

Written by Rebekah Day