<prompt> Human: Hi PF!Due to turning 21 recently, I feel like its time to start tracking my spending and making a formal budget for myself. How safereliable is Mint.com to use for such a purpose? Im kind of wary of a third party having access to ALL my bank accountscredit cards. Is there another preferably free option that I can use to help me track spending and form a budget?Thanks :  <response>: This comes up a lot. 