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

Re: Ask HN: Do you use budgeting software?

#71

Post by gregorymichael » Fri, Jun 15, 2018, 3:28 PM UTC

goatslacker wrote: post #63

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?

About $5. ($1 for the phone number, and ~500 messages a month).

Re: Ask HN: Do you use budgeting software?

#72

Post by zumzumzum » Fri, Jun 15, 2018, 4:15 PM UTC

aguynamedben wrote: post #35

zumzumzum wrote: post #17

Earlier quoted context omitted.

They discontinued YNAB4 so unless you already have a license then you're out of luck. Their new system is SAAS.

Their new system is SAAS but still doesn't require that you sync your accounts. You can still enter transactions manually. I thought the new version was a great update compared to the older version (including the desktop software non-SAAS one).

You could read OP two ways. One, that OP is trying to avoid having login credentials for his financial institutions saved in the cloud. Two, that OP is trying to avoid storing a detailed log of their purchase and financial history in the cloud. YNAB4 satisfies both of those concerns (despite what the other comment says, Dropbox is not required, any cloud sync will work, as long as you don't use the mobile app), their new SAAS app only satisfies concern one.

Re: Ask HN: Do you use budgeting software?

#73

Post by nwrk » Fri, Jun 15, 2018, 4:35 PM UTC

mping wrote: post #56

nwrk wrote: post #47

I was using long time Speendee ( https://www.spendee.com/ ), but changed to Toshl ( https://toshl.com/ ). I would recommend both. Somehow like the Toshl more. 2c

Do you trust these sites to store your banking credentials?

No. Storing banking credential to 3rd party is something I never do. Biased by DEV/IT work experience.

I build habit of entering transactions manualy via mobile app - also very helpfull stay fully aware of spendings.

Re: Ask HN: Do you use budgeting software?

#74

Post by ChristianGeek » Fri, Jun 15, 2018, 4:41 PM UTC

aguynamedben wrote: post #30

cschneid wrote: post #5

YNAB is pretty great. I allow it sync transactions from my bank accounts, but its budgeting system works fine if you're willing to enter transactions in manually. It is a refined form of envelope budgeting, and allowed me to go from an engineer that made a lot of money, but spent willy-nilly to an engineer that knows what's up, and with a rising net worth. I like that it encourages you to look at the money you actual…

+1, I use the syncing but originally YNAB didn't have that feature and you entered things by hand. Either works.

I personally think entering transactions by hand is better, because it makes your spending habits more visceral.

Re: Ask HN: Do you use budgeting software?

#75

Post by DavideNL » Fri, Jun 15, 2018, 7:40 PM UTC

asdsa5325 wrote: post #65

DavideNL wrote: post #64

Earlier quoted context omitted.

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

> Facebook doesn't sell your data

That's what they say (just as Ynab says.) But that's not what really happens:

"How to Check If Your Facebook Data Was Sold Off": https://www.makeuseof.com/tag/check-facebook-data-sold-off/

Re: Ask HN: Do you use budgeting software?

#76

Post by creatornator » Sat, Jun 16, 2018, 7:19 PM UTC

edraferi wrote: post #3

Gnucash, but I haven't gotten the hang of it's budget features yet. Most budgeting is done in a spreadsheet. Cash in --> Cash out, line by line.

I second Gnucash: I've been using it since January, including the budgeting features. There were some weird settings involving which account categories to count as negative/positive transactions to get the budgeting to work.