My own hot take nearly 2 months in - I’m probably going to cancel by Month Three.
As much as I love the Google Sheets tool - there’s nothing intrinsic here that actually gives me actionable data, really. I’ve just spent a lot of time building a “huh, that’s some info” Dashboard.
The IFTTT side benefit of it, doesn’t run as reliably as I would like, so it makes it a bit frustrating for some of the ideas I had for it.
And the Budgeting world - simply having more categories isn’t the solution I was hoping for. I’d love to be able to plan zero-sum style. It can sort of work with Pots, but I just feel like all the things don’t really mesh together to be a wholesome useful budgeting tool.
I’m sure it’s good for some, but I want greater granularity and more control. And so I’m back to YNAB.
The other bit I have enjoyed using - is virtual cards - I’ve had some for subscriptions, which I could take or leave. And I have used one on occaison for online purchases. It’s good that I don’t have to input my main live account details all the time, but they still need more features to be truly worth paying for, IMO.
The one benefit with a VCard is that if my wallet isn’t in reach I can just use that - and in fact I’ve ended up storing one of them in my Password Manager. If push came to it, I could do the same thing with my main card, and have broadly the same function.
So… I’m basically waiting to see if any new news comes by the 3 month mark.