One trick I found really helped me curb thoughtless spending in the past was calculating the cost of purchases based not on the sticker price, but on the sticker price + whatever the compounded interest would be for the same amount of money on my mortgage. (At the time our interest rate was 5% with about 27.5 years left on our mortgage, so it effectively doubled the price of everything.) The thought was that if we spent that money vs. putting it on the mortgage, we were essentially locking those dollars in to being charged interest for the life of the loan. It doesn't take into account re-financing, etc., but it was a lot easier not to buy $10 smoothies vs. $5 ones. :-)
Show HN: Keep, an app that helps you love how you spend every dollar
21–30 of 95 posts
Re: Show HN: Keep, an app that helps you love how you spend every dollar
#22I'm finding the terminology a little strange for this one.. "Helps you love how you spend every dollar"? While I get the gist of what you're saying, it makes my head hurt a little bit. Am on Android (Moto G) and every time I tapped the goal amount text box, it requested me to "Rotate device to portrait" despite my portrait lock being turned on, so was unable to add a goal amount. I like the idea of this app but not q…
Agree completely, this current trend of slapping "love" and "beautiful" on every start up product is watering down the word a little bit. I love my family, not paying rent.
Re: Show HN: Keep, an app that helps you love how you spend every dollar
#23A direct input would be nice. It took me five seconds to keep eight dollars by holding, but it could have taken only one second with direct input. Any particular reason that it's limited to this mechanic?
Also, it seems to be stuck on the eight dollar screen. It keeps asking me to hold to $8, but never shows me a new photo. This is the stock Note 3 browser.
EDIT: Now I can't even get it to register $3. Perhaps we are hugging the site too hard.
Re: Show HN: Keep, an app that helps you love how you spend every dollar
#24I'm finding the terminology a little strange for this one.. "Helps you love how you spend every dollar"? While I get the gist of what you're saying, it makes my head hurt a little bit. Am on Android (Moto G) and every time I tapped the goal amount text box, it requested me to "Rotate device to portrait" despite my portrait lock being turned on, so was unable to add a goal amount. I like the idea of this app but not q…
Agree completely, this current trend of slapping "love" and "beautiful" on every start up product is watering down the word a little bit. I love my family, not paying rent.
well, the shots on dribble must have looked beautiful and that is what matters no? /s
Re: Show HN: Keep, an app that helps you love how you spend every dollar
#25I really really like it. I see the value and have signed up and added to my homescreen. Truly a great interface compared to typing out numbers.
Also I really want to turn this into an iOS app! There's some cool stuff you can do with it natively, like add a buzz + sound when you save a buck, which sure would feel satisfying (ever used the task management app Clear?). Let me know if you wanna go that way and I'd be happy to put a weekend towards it.
Re: Show HN: Keep, an app that helps you love how you spend every dollar
#26One trick I found really helped me curb thoughtless spending in the past was calculating the cost of purchases based not on the sticker price, but on the sticker price + whatever the compounded interest would be for the same amount of money on my mortgage. (At the time our interest rate was 5% with about 27.5 years left on our mortgage, so it effectively doubled the price of everything.) The thought was that if we sp…
I love that idea... creates a more accurate picture of exactly how much you could be "saving."
Re: Show HN: Keep, an app that helps you love how you spend every dollar
#27I opened this on my iPad expecting to find an app store link at their m.trykeep.com. I did not find one, instead I found a web page that kept asking me to touch and interact with it, but that barely wanted to react. I had to tap and hold 7 times to get the first "example" to work, and then closed it and gave up after 5 attempts on the second.
I could not find it in the app store either, so is this a browser based solution? If so, I highly recommend getting the touch sensitivity worked out on chrome on the browser.
I do realize this may be load based from your servers getting hit and so if I remember I will try again later.
Also, I get the impression this might require requires server connectivity, if it does then you're excluding so many people without data plans.
I like the idea, just couldn't get the execution to actually work for me in a way I'd consider using it.
Re: Show HN: Keep, an app that helps you love how you spend every dollar
#28Earlier quoted context omitted.
The main sentiment behind MMM has always seemed to be "get a really high paying job and work your ass off for a few years". It doesn't really work if you are stuck in an average wage, with few prospects and no jobs to apply for.
this is true. It is certainly more plausible for the average HN reader than the average person in the world though.
Especially because I'm pretty sure he is/was a software engineer, who happened to ride the crest of two real estate bubbles.
Re: Show HN: Keep, an app that helps you love how you spend every dollar
#29A direct input would be nice. It took me five seconds to keep eight dollars by holding, but it could have taken only one second with direct input. Any particular reason that it's limited to this mechanic? Also, it seems to be stuck on the eight dollar screen. It keeps asking me to hold to $8, but never shows me a new photo. This is the stock Note 3 browser. EDIT: Now I can't even get it to register $3. Perhaps we are…
hmmm... We've been optimizing for safari and chrome. Maybe give it a try in one of those?
Re: Show HN: Keep, an app that helps you love how you spend every dollar
#30This is a cool idea. My bank recently introduced a similar feature in their mobile app. You can move a small amount of money from your current account to your savings account in a couple of clicks (no need to log in): https://www.youtube.com/watch?v=12xjelPXqWo