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Show HN: Simple Budgeting

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Re: Show HN: Simple Budgeting

#41

Post by edoceo »

pcmaffey wrote: post #19
DavideNL wrote: post #17

A little off-topic, but really wondering; am i the only one annoyed by the fact that 9 out of 10 apps these days are: 1. cloud based/harvesting as much data as possible and/or 2. subscriptions I prefer apps like for example Omnifocus [1], that give you: 1. the ability to client-side encrypt your data so your data won't be sold/misused, and 2. instead of making profit of selling your data, simply let you pay a larger…

What does a subscription business model have to do with selling of data? That would be correlated with an ad model.

Presumably if selling the software direct to the consumer then you don't need to monitize off of eyeballs, ie: ads, data-resale

Re: Show HN: Simple Budgeting

#42

Post by quickthrower2 »

KaoruAoiShiho wrote: post #22
DavideNL wrote: post #17

A little off-topic, but really wondering; am i the only one annoyed by the fact that 9 out of 10 apps these days are: 1. cloud based/harvesting as much data as possible and/or 2. subscriptions I prefer apps like for example Omnifocus [1], that give you: 1. the ability to client-side encrypt your data so your data won't be sold/misused, and 2. instead of making profit of selling your data, simply let you pay a larger…

Nobody wants to pay upfront. This is antithetical to what customers prefer.

Not me. I loved paying $50 for YNAB4 for life. Or I could have say a year of YNAB cloud access for an inferior product.

Re: Show HN: Simple Budgeting

#43

Post by KaoruAoiShiho »

quickthrower2 wrote: post #42
KaoruAoiShiho wrote: post #22

Earlier quoted context omitted.

Nobody wants to pay upfront. This is antithetical to what customers prefer.

Not me. I loved paying $50 for YNAB4 for life. Or I could have say a year of YNAB cloud access for an inferior product.

So you enjoy paying less? Obviously upfront costs need to be vastly lowered in order to get any customers.

Re: Show HN: Simple Budgeting

#44

Post by iffycan »

DavideNL wrote: post #17

A little off-topic, but really wondering; am i the only one annoyed by the fact that 9 out of 10 apps these days are: 1. cloud based/harvesting as much data as possible and/or 2. subscriptions I prefer apps like for example Omnifocus [1], that give you: 1. the ability to client-side encrypt your data so your data won't be sold/misused, and 2. instead of making profit of selling your data, simply let you pay a larger…

You might like Buckets: www.budgetwithbuckets.com (I'm the developer)

Re: Show HN: Simple Budgeting

#45

Post by quickthrower2 »

KaoruAoiShiho wrote: post #43
quickthrower2 wrote: post #42

Earlier quoted context omitted.

Not me. I loved paying $50 for YNAB4 for life. Or I could have say a year of YNAB cloud access for an inferior product.

So you enjoy paying less? Obviously upfront costs need to be vastly lowered in order to get any customers.

Well this is the game being played. If you run a business you don't want customers like me who seek value and privacy. You'll make a lot more money from those with plenty of disposable cash who don't mind adding yet another $10/m SaaS to their monthly expenses.

I thought about creating a budget SaaS but what puts me off is

(i) Your target money is in a budgeting mindframe and so yeah they are going to be looking for the cheapest option.

(ii) There are so many budget apps and they are good and fairly cheap.

YNAB4 is the best as far as I am concerned, unless you need full double-entry accounting. The user interface is superb. It is going to be hard to come close. My ideal budget app is YNAB4 but with some of the opinionated envelope-based budgeting calculations being more flexible for those who do have some cashflow buffer.

I'd literally keep a Windows 10 VM for the next 20 years to run it :-) unless something with a better UI comes out which I doubt.

Re: Show HN: Simple Budgeting

#46

Post by KaoruAoiShiho »

quickthrower2 wrote: post #45
KaoruAoiShiho wrote: post #43

Earlier quoted context omitted.

So you enjoy paying less? Obviously upfront costs need to be vastly lowered in order to get any customers.

Well this is the game being played. If you run a business you don't want customers like me who seek value and privacy. You'll make a lot more money from those with plenty of disposable cash who don't mind adding yet another $10/m SaaS to their monthly expenses. I thought about creating a budget SaaS but what puts me off is (i) Your target money is in a budgeting mindframe and so yeah they are going to be looking for…

You're certainly offering a good value but you don't have a good business. I guess you can jump around from app to app but you'll just get outcompeted by people who have better revs and more resources to plow into r&d or distribution.
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