I wish this worked with Australian banks and credit cards. I do most of my transactions through credit cards and want to use something like this
Show HN: Lunch Money, a personal budgeting tool with multi-currency support
91–100 of 135 posts
Re: Show HN: Lunch Money, a personal budgeting tool with multi-currency support
#92Are foreign-currency amounts calculated by the exchange rate at the time/on the day the transfer or spending took place, or does it utilize the current exchange rate? My budget operates with four currencies, easily, in a year so it adds up
Re: Show HN: Lunch Money, a personal budgeting tool with multi-currency support
#93I'm living abroad in Bali, Indonesia. 90% of my payments are made in cash. - Does this have an option to manually add entries? - Does this have an option to input one currency, but have it easily convert to another currency?
Similar situation. I use mostly cash tranasctions or non-american credit cards which are not available using auto-import. An efficient keyboard-based method of manual entry of trx is crucial. Just checked this app but i coulnd't quickly add any transactions.
So far I have used Toshl app on and off to monitor my monthly spend, which has excellent manual entry with multi-currency, etc.
Re: Show HN: Lunch Money, a personal budgeting tool with multi-currency support
#94This looks very good! I think you've got a customer in me.
One question: Does this support saving for future expenses? Say I'm setting aside a sum each month for vehicle maintenance, but of course only spend money on maintenance a few times a year. Can I track that somehow with Lunch Money?
Re: Show HN: Lunch Money, a personal budgeting tool with multi-currency support
#95Hi Show HN, I'm really excited to share what I have been working on the side since late November last year. I am a one-person team and this project has allowed me to harness and grow from my few years of experience working as a software engineer. I was also able to flex my design muscles a little bit, while learning some marketing along the way. Stack: * Node.js w/ Typescript backend * React + Semantic UI w/ Typescri…
I tested a lot of similar project in the past 2 years: Buxfer, GNUCash, YNAB 4 & 5, Mint, and Banktivity (currently using) and I'm willing to pay as high as $70 per year for a product that fulfills my needs. I liked your project, the interface is clean, responsive and fast. If I may, I would like to give you my list of the most useful features : - Self-hosted: Although, I used online apps in the past, this is now an…
Any thoughts on GoodBudget? It's what I've been using for the last couple of years and it does not link bank accounts (and I wouldn't want it to).
Long term I'm looking for something self-hosted too, but I think we're a very small subset of users.
Re: Show HN: Lunch Money, a personal budgeting tool with multi-currency support
#96Earlier quoted context omitted.
I tested a lot of similar project in the past 2 years: Buxfer, GNUCash, YNAB 4 & 5, Mint, and Banktivity (currently using) and I'm willing to pay as high as $70 per year for a product that fulfills my needs. I liked your project, the interface is clean, responsive and fast. If I may, I would like to give you my list of the most useful features : - Self-hosted: Although, I used online apps in the past, this is now an…
This is a great list of my exact same needs. I believe that the correct solution is a desktop application. How many of you/us do you think there are? And how much would you/they pay for this?
For personal budgeting, I believe it's crucial to have a mobile app for entry on the go and basic reports.
Going through statements monthly/weekly and assigning the correct categories retroactively is just too hard.
Re: Show HN: Lunch Money, a personal budgeting tool with multi-currency support
#97Earlier quoted context omitted.
What is the difference between the envelope-based method and the categories in Lunch Money? It seems very similar to me.
With lunch money it looks like you set up an ideal spending amount per category based on your history. But whether you stay within those limits is completely up to you. It might warn you if you go over in a category but that is about it. In an envelope based system you can only budget dollars you have (that's where the name comes from, you'd literally stuff cash in envelopes). If you overspend from one envelope/categ…
Hm I think saving would work for me if I increase a budget every month without spending it. And if you can set your current balance somehow in Lunch Money (I don't know at this moment) then you would see if you overspend (hopefully). These are of course very valid and important aspects.
Re: Show HN: Lunch Money, a personal budgeting tool with multi-currency support
#98Hi Show HN, I'm really excited to share what I have been working on the side since late November last year. I am a one-person team and this project has allowed me to harness and grow from my few years of experience working as a software engineer. I was also able to flex my design muscles a little bit, while learning some marketing along the way. Stack: * Node.js w/ Typescript backend * React + Semantic UI w/ Typescri…
Congrats on what looks like a great project.
I've been a paying YNAB customer for over a year, so I assume I'm your target market. I haven't felt a particular need for multi-currency support. What would you say the advantage is over YNAB aside from multi-currency support?
If it helps I can tell you what I really like about YNAB:
- The mobile app is very easy and intuitive for entering transactions as they occur. It prefills fields based on my location so that I often only have to enter the amount.
- Cloud sync and multi-device support means it is easy to share a budget with my wife.
- Because all accounts, loans and recurring transactions are in there the reporting feature gives me a complete overview of our financial situation, past, present and future.
- The YNAB community was very helpful when getting started, because in the beginning it can be tricky to understand how to fit edge cases into the transaction history (like loans and credit cards).
As an aside: I don't use any transaction import features. I tried it out and found it disconnected me from my spending. Within the YNAB community it is considered best practice to not import transactions automatically. For that reason you may want to choose to not offer those features, as there is a good case to be made people shouldn't use them and they are likely to drain a huge amount of your time.
Re: Show HN: Lunch Money, a personal budgeting tool with multi-currency support
#99Hi Show HN, I'm really excited to share what I have been working on the side since late November last year. I am a one-person team and this project has allowed me to harness and grow from my few years of experience working as a software engineer. I was also able to flex my design muscles a little bit, while learning some marketing along the way. Stack: * Node.js w/ Typescript backend * React + Semantic UI w/ Typescri…
I'm moving soon and could use the multicurrency support. I'm also graduating college so got to do all of this on my own now, I guess I'm your perfect new customer. Compared to all of the other apps, why would I for example choose you? Do you also have some more information on the credit card linking? Do you support debit cards? This is crucial to be honest. And what about UK bank accounts?
Re: Show HN: Lunch Money, a personal budgeting tool with multi-currency support
#100Hi Show HN, I'm really excited to share what I have been working on the side since late November last year. I am a one-person team and this project has allowed me to harness and grow from my few years of experience working as a software engineer. I was also able to flex my design muscles a little bit, while learning some marketing along the way. Stack: * Node.js w/ Typescript backend * React + Semantic UI w/ Typescri…
I took a look and won't use it as it can't connect to European banks and there is no manual import option.
Is there a way to delete my account, can't find it?