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Show HN: Lunch Money, a personal budgeting tool with multi-currency support

lunchmoney.cc

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Re: Show HN: Lunch Money, a personal budgeting tool with multi-currency support

#131
post #107

Earlier quoted context omitted.

I took a look and won't use it as it can't connect to European banks and there is no manual import option. Is there a way to delete my account, can't find it?

Hi there, you can email support@lunchmoney.cc to request that we fully delete your data.

Will do but that shouldn't be necessary, especially a service that wants me to trust it with my financial details.

Re: Show HN: Lunch Money, a personal budgeting tool with multi-currency support

#133
post #83

Earlier quoted context omitted.

I tested a lot of similar project in the past 2 years: Buxfer, GNUCash, YNAB 4 & 5, Mint, and Banktivity (currently using) and I'm willing to pay as high as $70 per year for a product that fulfills my needs. I liked your project, the interface is clean, responsive and fast. If I may, I would like to give you my list of the most useful features : - Self-hosted: Although, I used online apps in the past, this is now an…

This is a great list of my exact same needs. I believe that the correct solution is a desktop application. How many of you/us do you think there are? And how much would you/they pay for this?

I have similar requirements, except I wanted something on my laptop (well, I could self-host locally too). After about 10 years or so with GnuCash, I started using Ledger-CLI. Both satisfied those requirements...But I wanted to have more control over imports and reports.

As I go about normalizing that in my life, I started writing GUIs to make interaction easier and import helpers to make imports easy. Sometime ago, I packaged all of that into a desktop/laptop app: https://prudent.me

Re: Show HN: Lunch Money, a personal budgeting tool with multi-currency support

#134

Earlier quoted context omitted.

For personal budgeting, I believe it's crucial to have a mobile app for entry on the go and basic reports. Going through statements monthly/weekly and assigning the correct categories retroactively is just too hard.

I’ve always found it much easier to lean on downloaded transactions. Data entry through the day is way too cumbersome to me. Am I alone on this?

Same here, I tried the data entry way (telling myself that the friction encourages thinking more before spending). It lasted about 2 years before I started creating import helpers to get transactions from my current accounts and etc.

Now, I put together some JS to create custom import helpers that adapts to different bank formats. Unsurprisingly, banks doesn't seem to want to converge/adopt a standard on transaction exports still (like a simple standard on the CSV will do), despite all the hype about open banking and such. Step by step?

I have some libraries that I reuse to create these custom helpers documented here:

https://docs.prudent.me/docs/dev/creating_ext

This works with the wrapper that I created as well :)

Re: Show HN: Lunch Money, a personal budgeting tool with multi-currency support

#135
post #78

Earlier quoted context omitted.

This is such a stereotypical HN post I almost don't believe it's real * CLI tools with some wonky syntax * You don't need X because there is a random github repo that solves your problem! (To be fair, this is within the hacker ethos/mindset) * Assumption that folks can dip into savings or whatnot if they are over that month * Assumption that folks _have a net worth_ * Assumption that it's easy to just "tighten up" if…

Another thought-provoking idea: try the method for a while and write a blog post about it.

> When your net worth is too risky (for your personality) get more tight.

> When you feel comfortable with your number you can loosen up a bit.

I don't feel inclined to try this method. You've basically described how every highschooler manages their wallet. The system falls apart (or turns into a budget) the moment you have a single problem to solve.

Example. I have $10,000 in my checking account and a $15,000 car loan, so my net worth is -$5,000. Either I don't buy groceries this month, or I admit that I need to know more than my net worth to make financial decisions.

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