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Show HN: Paisa – Open-Source Personal Finance Manager

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Re: Show HN: Paisa – Open-Source Personal Finance Manager

#161

Post by akerl_ »

phoenixy1 wrote: post #151
debaserab2 wrote: post #147

Earlier quoted context omitted.

I'm in the middle of going down this path right now. It kind of works, except for certain banking institutions require more rigor than just getting accepted into the developer platform. The steps, as far as I can tell, look something like this: 1) Sign up for Plaid developer account 2) Request developer access (without it you can only play with sandbox data) 3) Request production access 4) Submit application informat…

[I work at Plaid] I will say that while annoying (especially for Chase, which has the most paperwork-type requirements for developers) this process should be totally doable for solo developers. You can put your own name as the legal entity name if you don't have a company. The Master Services Agreement (MSA) sounds scary but is just the contract between you and Plaid -- the legalese laying out what you're paying for,…

Can confirm: I did this as a solo user of a personal API integration with Chase via Plaid. I answered honestly given the scope of what I was doing: for example, IIRC there was a question about whether all employees are background checked, and another about how we deal with terminated employee access. As the only user/employee/human, I could confidently say I background check all my employees and that if they’re terminated, their access will be promptly revoked :D

Re: Show HN: Paisa – Open-Source Personal Finance Manager

#162

Post by avirut »

robcohen wrote: post #12

This looks awesome. I love that it's built on ledger. I have been wanting to move away from Simplifi Money for some time for obvious reasons (owned by Intuit). It seems that the real moat is pulling the data in a consistent and correct way. Yes, you COULD try to find every single export option for every bank, but I think Plaid is really the only service that pulls this data somewhat correctly, due to the U.S. not hav…

One option I'd recommend for anyone working towards this is to use the SimpleFIN Bridge [0], which is basically an API wrapper around MX (a Plaid competitor) designed for personal use by the same people that make Budgeting with Buckets. Data security is definitely an issue, but I value having my transactions automatically imported more than I'm concerned about the risk of SimpleFIN being breached.

I've personally used SimpleFIN to provide automatic imports in my own personal, kind-of selfhostable personal finance tool [1].

[0] https://beta-bridge.simplefin.org/

[1] https://github.com/avirut/bursar

Re: Show HN: Paisa – Open-Source Personal Finance Manager

#163

Post by ghosty141 »

robcohen wrote: post #144
malermeister wrote: post #131

Earlier quoted context omitted.

I know this is only vaguely related, but as a European that's been looking for an open source budgeting solution, how does PSD2 help?

My understanding of PSD2 is that it requires banking transactions to be "machine-readable" whatever that means. So there's an actual legal requirement for making data accessible outside of the browser.

The problem I faced when I looked at data export was that none of the banks had any apis. You always had to go through 3rd party commercial apis. Maybe there are ways bur I didnt find them

Re: Show HN: Paisa – Open-Source Personal Finance Manager

#164

Post by hedgehog0 »

rambambram wrote: post #160

After building and using my own bookkeeping solution for my small business, one of the main takeaways for me before and after I built it was that bookkeeping software is only useful once you know the bookkeeping rules. Whatever software solution you use - whether that's some webapp, an Excel sheet, or some homegrown solution - you always need to know these rules. Even the simple rules for a small business take some t…

Any any suggestions or recommendations for learning these rules? Either for future business or current personal finance management?

Re: Show HN: Paisa – Open-Source Personal Finance Manager

#165

Post by cultofmetatron »

sdfghswe wrote: post #78
cultofmetatron wrote: post #28

Earlier quoted context omitted.

its also a term used to refer to women with a certain "look" from medellin. my ex was an example. "paisa as an areppa" is a pretty common term there.

Tell us, what does it mean? "as an areppa" suggests flat and round...?

to be honest, I don't actually know but I've heard it from multiple people when I was in Medellin in reference to girls. none of them were "flat and round." I think it just refers to them being from the same area. "american as apple pie"

Re: Show HN: Paisa – Open-Source Personal Finance Manager

#166

Post by mcjiggerlog »

piperswe wrote: post #59
abdullahkhalids wrote: post #25

Earlier quoted context omitted.

GnuCash can import directly from your bank [1]. There are also some mobile apps [2], but they are not super well integrated with the desktop application - I think you have to manually export and import every time. [1] https://www.gnucash.org/docs/v5/C/gnucash-manual/tools-on-li... [2] https://wiki.gnucash.org/wiki/GnuCash_and_Mobile_Devices

It can import directly from some banks maybe, but certainly not my bank. I haven't had any success importing to GnuCash from _any_ bank I do business with.

Every bank I've ever used has had functionality to do csv exports (or xlsx, for which I have a one-liner to convert to csv), which can trivially be imported into gnucash.

At least in the UK/EU, it seems to be a common feature.

Re: Show HN: Paisa – Open-Source Personal Finance Manager

#167

Post by cultofmetatron »

sdfghswe wrote: post #91
criloz2 wrote: post #84

Earlier quoted context omitted.

It's the same as saying "American as a burger", arepa is just a traditional food in Colombia, a bread made of corn

Ok but I was wondering if you'd describe the "look".

this should help https://www.tiktok.com/discover/Paisa-girls

Re: Show HN: Paisa – Open-Source Personal Finance Manager

#168

Post by bogwog »

ibdf wrote: post #80

How are people automating the data import? I can't imagine someone entering everything by hand. Lots of places don't even provide an export file you can work with... most of them offer a PDF. It seems like most financial places rely on Plaid for the data integration, but that's a paid service I don't think Open-Source or free personal finance apps would use.

Some years ago I built a custom tool similar to this which downloaded financial data from my Chase bank account and converted it to beancount (another text-based accounting tool).

Chase charged like $10/mo or something like that for using OFX to download your bank statements (which is pretty ridiculous considering what it is). Eventually I abandoned it because none of the other bank accounts I needed to track offered OFX or anything similar that I could find, and just gave up.

Re: Show HN: Paisa – Open-Source Personal Finance Manager

#169

Post by theviajerock »

cultofmetatron wrote: post #28
Gualdrapo wrote: post #14

Today I learned "paisa" is a subunit of the Indian rupee - here we call "paisa" to all things related to a specific region of Colombia ( https://en.wikipedia.org/wiki/Paisa_(region) )

its also a term used to refer to women with a certain "look" from medellin. my ex was an example. "paisa as an areppa" is a pretty common term there.

What? Yeah, that's a say, but "Paisas" are all the people from Antioquia (Medellin is the capital), Quindio and Risaralda. All of us are Paisas. That say could be referenced to any person from there, because of the look or way to talk or just because we were born there.

Re: Show HN: Paisa – Open-Source Personal Finance Manager

#170

Post by [deleted] »

rambambram wrote: post #160

After building and using my own bookkeeping solution for my small business, one of the main takeaways for me before and after I built it was that bookkeeping software is only useful once you know the bookkeeping rules. Whatever software solution you use - whether that's some webapp, an Excel sheet, or some homegrown solution - you always need to know these rules. Even the simple rules for a small business take some t…

[deleted]
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