Ask HN: Do you use budgeting software? • Hacker News Board

Re: Ask HN: Do you use budgeting software?

#61

Post by sebazzz » Thu, Jun 14, 2018, 8:15 PM UTC

I use my own. Lacking a better name, Financial App [1] is a single page application installable on smartphone homescreens and tablets, and of course usable on the computer. It allows setting budgets, tagging expenses to keep seperate track of them, monthly digest of expenses, reporting etc. We use it at home with multiple accounts (to also keep track of our private expenses).

The application is built using ASP.NET Core, webpack, Typescript, knockout.

[1]: https://github.com/Sebazzz/financial-app

Re: Ask HN: Do you use budgeting software?

#62

Post by asdsa5325 » Thu, Jun 14, 2018, 9:12 PM UTC

DavideNL wrote: post #49

aguynamedben wrote: post #39

Earlier quoted context omitted.

FWIW https://www.youneedabudget.com/privacy-policy/ "We do not sell users’ data. (And we never have!)" They make money by charging $5/mo and having a large cult following.

It's worth nothing... especially if you know that payment information is worth A LOT of money. There is no way at all to verify they are not selling your data. Also, there is no law that forbids them to do so.

There are most definitely laws that forbid them from stating "we do not sell your data" and selling it anyway.

Also, why would they sell your data? The bank accounts you connect to YNAB already have your data and sell it. Do you also not use banks?

Re: Ask HN: Do you use budgeting software?

#63

Post by goatslacker » Thu, Jun 14, 2018, 9:16 PM UTC

gregorymichael wrote: post #8

Built an ad-hoc system using flask, Google Spreadsheets, and Twilio (where I work) that my wife and I have been using for 18 months now -- far longer than any other system has stuck. - budget tab: tracks category + allocated budget for the month - expenses tab: tracks date, amount, category, description - when we spend money, my wife and I text, eg, "13.31 restaurants lunch at chipotle" to a Twilio number. A flask ap…

How much is this in Twilio fees each month?

Re: Ask HN: Do you use budgeting software?

#64

Post by DavideNL » Thu, Jun 14, 2018, 9:34 PM UTC

asdsa5325 wrote: post #62

DavideNL wrote: post #49

Earlier quoted context omitted.

It's worth nothing... especially if you know that payment information is worth A LOT of money. There is no way at all to verify they are not selling your data. Also, there is no law that forbids them to do so.

There are most definitely laws that forbid them from stating "we do not sell your data" and selling it anyway. Also, why would they sell your data? The bank accounts you connect to YNAB already have your data and sell it. Do you also not use banks?

I seriously doubt that. Facebook says they don't sell your data, do you believe them also? ( https://www.fastcompany.com/40554491/zuckerberg-keeps-insist... )

Where i live (Netherlands, Europe) banks are not allowed to sell our data.

Re: Ask HN: Do you use budgeting software?

#65

Post by asdsa5325 » Thu, Jun 14, 2018, 10:01 PM UTC

DavideNL wrote: post #64

asdsa5325 wrote: post #62

Earlier quoted context omitted.

There are most definitely laws that forbid them from stating "we do not sell your data" and selling it anyway. Also, why would they sell your data? The bank accounts you connect to YNAB already have your data and sell it. Do you also not use banks?

I seriously doubt that. Facebook says they don't sell your data, do you believe them also? ( https://www.fastcompany.com/40554491/zuckerberg-keeps-insist... ) Where i live (Netherlands, Europe) banks are not allowed to sell our data.

Facebook doesn't sell your data. They use it for advertising, but that is done internally.

I also don't use Facebook, and try not to associate myself with their drama

Re: Ask HN: Do you use budgeting software?

#66

Post by 4d66ba06 » Fri, Jun 15, 2018, 12:33 AM UTC

I use NeoBudget (virtual envelope web app with a mobile app) - you need to manually import your transactions, but it has been rock solid for years: https://neobudget.com/

Re: Ask HN: Do you use budgeting software?

#67

Post by segmondy » Fri, Jun 15, 2018, 12:36 AM UTC

ugh, any spreadsheet will do.

Re: Ask HN: Do you use budgeting software?

#68

Post by pcglue » Fri, Jun 15, 2018, 7:07 AM UTC

Quicken, but trying to migrate to beancount. It's hard due to the 20+ years of history/transactions I have in Quicken. If I were starting from scratch, I'd never consider Quicken now. On current versions, if their cloud is down, you can't do jack even if everything else (MY internet, the banks' servers) is up.

Re: Ask HN: Do you use budgeting software?

#69

Post by binjo » Fri, Jun 15, 2018, 2:10 PM UTC

Yes I do. I use Wallet by Budget Bakers. budgetbakers.com. I use the manual option on the pro plan(no bank account link or anything). Love that it allows me sets budgets for several categories and the expense reports are great too

Re: Ask HN: Do you use budgeting software?

#70

Post by binjo » Fri, Jun 15, 2018, 2:11 PM UTC

beagle3 wrote: post #43

gregorymichael wrote: post #8

Built an ad-hoc system using flask, Google Spreadsheets, and Twilio (where I work) that my wife and I have been using for 18 months now -- far longer than any other system has stuck. - budget tab: tracks category + allocated budget for the month - expenses tab: tracks date, amount, category, description - when we spend money, my wife and I text, eg, "13.31 restaurants lunch at chipotle" to a Twilio number. A flask ap…

Cool. Would you say the SMS plays an important part? Or would e.g. a Telegram bot work as well for those of us who do not work at Twilio?

This would be so cool!