This is a really neat piece of interaction design.
Show HN: Keep, an app that helps you love how you spend every dollar
61–70 of 95 posts
Re: Show HN: Keep, an app that helps you love how you spend every dollar
#62Based on my experience at least, YNAB (You Need A Budget -- http://www.youneedabudget.com/ ) is the best budgeting software out there. It's a lot more complex than this, and unlike something like Mint it does require you to manually enter transactions. However, it is really the best interface I've found for setting a budget. Probably the best feature is that it can naturally incorporate overspending. If you set your…
It requires a win / mac machine? Why? I thought no one did that anymore ?
There was a third option until Adobe dropped support for AIR on Linux. YNAB has since been encouraging customers to use Wine.
http://www.youneedabudget.com/support/article/linux-installa...
Re: Show HN: Keep, an app that helps you love how you spend every dollar
#63Based on my experience at least, YNAB (You Need A Budget -- http://www.youneedabudget.com/ ) is the best budgeting software out there. It's a lot more complex than this, and unlike something like Mint it does require you to manually enter transactions. However, it is really the best interface I've found for setting a budget. Probably the best feature is that it can naturally incorporate overspending. If you set your…
7 months into using it my partner & I find YNAB very overcomplicated. Being freelance I don't have a steady income, and I've never managed to make it handle that well. Because the income figure isn't correct it's hard to see what I'm actually spending (if I put my 'lump income' in a category and move money between categories to have 'income' each month, that mucks up the amounts).
I have yet to get it to balance any month too. Some categories (e.g. clothing) we work on an annual budget, so overspending in these categories rolls forward; that doesn't seem to work smoothly.
My partner can't get her head around it at all, which is a bit of a bummer.
What I'd like is a much simpler system based on the old T account (envelope accounts are similar) where each category functions as a virtual account, showing what was spent, inter-category transfers and overall status.
Re: Show HN: Keep, an app that helps you love how you spend every dollar
#64I'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…
I had the same bug on Nexus 5. I like the psychology behind the app and would use it, but I fear it will become boring and I will quit. Maybe gamify it a bit more.
Re: Show HN: Keep, an app that helps you love how you spend every dollar
#65Earlier quoted context omitted.
It requires a win / mac machine? Why? I thought no one did that anymore ?
You live in a bubble. Most apps I use at work are installed on the machine.
> for work
That's very clearly not what we're talking about here. I wouldn't be surprised if (for personal use, not work) the "bubble" is a more accurate descriptor for those who _do_ need desktop software. The only people I know who use anything on the desktop beyond their browser are software engineers, PC gamers, and people who use niche software, all with a quite-above-average level of computer-savviness.
Re: Show HN: Keep, an app that helps you love how you spend every dollar
#66Earlier quoted context omitted.
The whole point of YNAB (Rule #1 of their program) is that you need to proactively allocate every dollar you have. Every dollar has a job, and then you need to manually enter when that dollar is doing its job so you feel when that money actually gets spent. I tried for years to use Mint, but it's too passive. Too easy to ignore. With YNAB, every purchase goes in when we make the purchase, and I found it keeps us more…
To be most useful, YNAB should know my passive spending, and then harass me about all the dollars I am not reporting. Otherwise, I can just leak money and not talk about it.
I fully agree. It seems a little silly that if you have a busy period at work and forget to pay attention for a few weeks, that's just a black hole (short of going through credit card statements and trying to remember every cash purchase). This happens all the time with Mint, and I can just go back and categorize all the purchases that need doing so, with the only loss being that the cash purchases I forgot about show up as non-specific cash spending (through the initial ATM withdrawal).
Re: Show HN: Keep, an app that helps you love how you spend every dollar
#67I'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…
I liked the terminology. Don't know which one of us is more representative of the target demographic, though.
It's not (necessarily) just marketing fluff. A lot of people view budgeting as "here's what I can't spend money on". It can be easier to stick to a plan when viewed through the lens of getting the maximal enjoyment for the money. There's a lot of people out there who "don't know where it's all going"; the idea is that you consciously decide if you'll be happier spending $100/month on, say, Starbucks or a Beaglebone. Once you know where it's all going, you can decide if you want to spend it on things that might be more enjoyable.
Re: Show HN: Keep, an app that helps you love how you spend every dollar
#68Based on my experience at least, YNAB (You Need A Budget -- http://www.youneedabudget.com/ ) is the best budgeting software out there. It's a lot more complex than this, and unlike something like Mint it does require you to manually enter transactions. However, it is really the best interface I've found for setting a budget. Probably the best feature is that it can naturally incorporate overspending. If you set your…
7 months into using it my partner & I find YNAB very overcomplicated. Being freelance I don't have a steady income, and I've never managed to make it handle that well. Because the income figure isn't correct it's hard to see what I'm actually spending (if I put my 'lump income' in a category and move money between categories to have 'income' each month, that mucks up the amounts). I have yet to get it to balance any…
I haven't done full time freelance so feel free to shoot this idea down, but I'm always curious as to why freelancers don't just put their income in a separate, harder-to-access bank account and pay themselves a regular, weekly disbursement from that.
Re: Show HN: Keep, an app that helps you love how you spend every dollar
#69Earlier quoted context omitted.
7 months into using it my partner & I find YNAB very overcomplicated. Being freelance I don't have a steady income, and I've never managed to make it handle that well. Because the income figure isn't correct it's hard to see what I'm actually spending (if I put my 'lump income' in a category and move money between categories to have 'income' each month, that mucks up the amounts). I have yet to get it to balance any…
I haven't done full time freelance so feel free to shoot this idea down, but I'm always curious as to why freelancers don't just put their income in a separate, harder-to-access bank account and pay themselves a regular, weekly disbursement from that.
That's exactly what I do. Money from my book and consulting goes into a business account, owned by my single-member LLC. I make regular transfers from there to my personal account.
Re: Show HN: Keep, an app that helps you love how you spend every dollar
#70I'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…
I had the same bug on Nexus 5. I like the psychology behind the app and would use it, but I fear it will become boring and I will quit. Maybe gamify it a bit more.
We are looking into that aspect of the app and will likely add some mild forms of gamification to make it more engaging over time. If you don't mind sharing, did you have anything particular in mind?