My bank, already provide me a way to categorize spend items. Sorry but this calendar, manually input, have no value for me, but it's nicely done! well done.
Show HN: HoneyMoney – 100% more Bees than any other personal finance software
31–40 of 104 posts
Re: Show HN: HoneyMoney – 100% more Bees than any other personal finance software
#32As nice as the tool and the insights it provides, the pain point is manually entering all the transactions. It is 2018, and we still dont have a easy way of exporting our transactions from the bank in a standard way. Every bank wants to use their own way of exporting it. I was seriously considering using Plaid API[1] to build an app that would download my transactions automatically, categorise it, and prompt me to on…
Using a smartphone app, entering the transaction isn't really such a pain. Just bought a pretzel, 12 secs later I had it entered in the app. What I want in contrast is a way of tracking complex expenses like supermarket receipts, maybe via OCR and automatic aggregation and categorization of items, even across different supermarkets. Preferably via app. That way I could check which items I should buy where and which i…
there's lots of transactions people have happen automatically - rent, utilities, etc.
Re: Show HN: HoneyMoney – 100% more Bees than any other personal finance software
#33You apparently either have zero bees, or only have twice as many bees as the others. Is this what you meant to say?
It's just a catchy headline, it doesn't really make sense but is comical/nonsense so it makes you stop and pay attention to it. I think it's brilliant.
Re: Show HN: HoneyMoney – 100% more Bees than any other personal finance software
#34I use Mint but generally, am not trilled with it.
1. I have a hard time managing my bank account AND my main credit card. Mint seems to think me paying off my credit card bill is another expense, however Mint already tracked the CC charges so basically Mint thinks I run a massive loss every month (yes I've tried fixing this, multiple times)
2. Other than reviewing your newest transactions, and the occasional useful bill/fee reminder, I don't find much use for the app in regards to financial planning or analysis.
3. I don't like how Mint is basically used to slurp up my data, and sell me credit cards - it's obvious now how little they care about making it truly useful. The app has been in existence for years and barely nudges forward besides new UI.
The thought of manually tracking my expenses however is too much work. I find it hard enough launching the Mint app regularly to allow it to download my latest transactions.
Re: Show HN: HoneyMoney – 100% more Bees than any other personal finance software
#35As nice as the tool and the insights it provides, the pain point is manually entering all the transactions. It is 2018, and we still dont have a easy way of exporting our transactions from the bank in a standard way. Every bank wants to use their own way of exporting it. I was seriously considering using Plaid API[1] to build an app that would download my transactions automatically, categorise it, and prompt me to on…
In Europe, all banks implement the HBCI standard, which does exactly this.
Re: Show HN: HoneyMoney – 100% more Bees than any other personal finance software
#36As nice as the tool and the insights it provides, the pain point is manually entering all the transactions. It is 2018, and we still dont have a easy way of exporting our transactions from the bank in a standard way. Every bank wants to use their own way of exporting it. I was seriously considering using Plaid API[1] to build an app that would download my transactions automatically, categorise it, and prompt me to on…
In Europe, all banks implement the HBCI standard, which does exactly this.
What do you mean by "this"? I'm in Europe and all my bank accounts are very "closed", as in really difficult to build an API on. Good for security but hopeless for anything else like expense tracking.
They do offer CSV export, not even sure if that's in any standardised way.
Re: Show HN: HoneyMoney – 100% more Bees than any other personal finance software
#37As nice as the tool and the insights it provides, the pain point is manually entering all the transactions. It is 2018, and we still dont have a easy way of exporting our transactions from the bank in a standard way. Every bank wants to use their own way of exporting it. I was seriously considering using Plaid API[1] to build an app that would download my transactions automatically, categorise it, and prompt me to on…
Switch banks, seriously, and tell them why. Banks are a dime a dozen. My local credit union exports in QFX, OFX, and CSV. Also has direct access (I use Ibank on Mac) so I don’t have to futz with exporting. As you said, it’s the 21st century. No excuse for this.
Re: Show HN: HoneyMoney – 100% more Bees than any other personal finance software
#38I use Mint but generally, am not trilled with it. 1. I have a hard time managing my bank account AND my main credit card. Mint seems to think me paying off my credit card bill is another expense, however Mint already tracked the CC charges so basically Mint thinks I run a massive loss every month (yes I've tried fixing this, multiple times) 2. Other than reviewing your newest transactions, and the occasional useful b…
Check out You Need A Budget.
Re: Show HN: HoneyMoney – 100% more Bees than any other personal finance software
#39As nice as the tool and the insights it provides, the pain point is manually entering all the transactions. It is 2018, and we still dont have a easy way of exporting our transactions from the bank in a standard way. Every bank wants to use their own way of exporting it. I was seriously considering using Plaid API[1] to build an app that would download my transactions automatically, categorise it, and prompt me to on…
In Europe, all banks implement the HBCI standard, which does exactly this.
HBCI is mostly a German standard though. It is a huge PITA to work with as well, clearly showing its age.
The most promising thing seems to be the API standard developed by the "Berlin Group" https://www.berlin-group.org/psd2-access-to-bank-accounts with quite a lot of banks being a member.
I quite liked the bunq API to work with (https://doc.bunq.com), but I wasn't really happy with their 7.99€/month pricing. In the past they also required a fixed IP, which wasn't really great for hobby projects.
A decent wrapper around multiple bank APIs seems to be figo (http://docs.figo.io/v3/index.html), the API looks good but I'm not sure about the pricing.
Re: Show HN: HoneyMoney – 100% more Bees than any other personal finance software
#40Interesting tool.
I would maybe use this tool if it had some kind of api. I want to be able to have my bot post financial data to my account in HoneyMoney automatically, is this possible?
I haven't found any info regarding this. If someone with an account know of such an api I would sign up.