71–80 of 169 posts
Did you struggle in convincing people to share their account details with an unknown startup? What if you are fraudster and not a real company?
Really wish Plaid showed what APIs were being authorized in the flow...
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I felt the same way, and it's part of why I made spendweek.com (a privacy-first, easy-to-use competitor to Lunch Money, YNAB with a single focus on saving money instead of keeping track of all your accounts). I am sort of proud of my privacy policy, so it's a link right at the top of the home page. Here's the basic manifesto of the SpendWeek framework in case anyone's interested: https://www.spendweek.com/blog/you-ne…
Nice domain and nice concept. I too am among those with a home-grown approach to managing the budget. Mine is more of a spending journal than it is about planning or reconciling the entire budget, with motivations similar to those who would have a meal journal. I focus on the decision making process and self-evaluate spending according to my budget and my overall values. My approach won't appeal to a lot of folks, bu…
"A $5 monthly membership adds up to $72 per year." Nope. Might want to fix that. https://lunchmoney.app/features/recurring
This was super interesting! The design really helped as well. I liked this one: "Lesson learned: People care about the narrative behind your product, so don't be afraid to tell your story!" As someone who finds new things on HN all the time, I always check the "about" page, especially if it's something that isn't free. I'm surprised at how often the "About Us" isn't actually "About Anyone", there's no names, it's all…
This was super interesting! The design really helped as well. I liked this one: "Lesson learned: People care about the narrative behind your product, so don't be afraid to tell your story!" As someone who finds new things on HN all the time, I always check the "about" page, especially if it's something that isn't free. I'm surprised at how often the "About Us" isn't actually "About Anyone", there's no names, it's all…
> I'm surprised at how often the "About Us" isn't actually "About Anyone", there's no names, it's all just "Us" and "We". I tend to assume that a lot of times this is because "We" is a lie, it's "Me" and they want to avoid revealing that it's someone's side project. I could be completely wrong. I am a lot.
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I don't see how this changes anything? If they had attempted to do a production import of their live bank account, it would have been denied, same as what happened to their customers, and they would have caught it before the mistake affected real users.
My understanding was that it would have worked for her because she still would have been under the 100 user limit. So the test env still worked for production data, for the first 100 users.
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Nice domain and nice concept. I too am among those with a home-grown approach to managing the budget. Mine is more of a spending journal than it is about planning or reconciling the entire budget, with motivations similar to those who would have a meal journal. I focus on the decision making process and self-evaluate spending according to my budget and my overall values. My approach won't appeal to a lot of folks, bu…
Yes! This is awesome. Looking at all the budget software that uses monthly time frames, I was wondering why no one uses weekly. This quote is a great way to say it, "Even though most bills are paid monthly, discretionary spending is more naturally tracked on a weekly basis."
In other words, the budget would get "broken" more often in the week-to-week habits than the monthly ones... hence, the resulting focus of my tool.
Hey Lunch Money founder, if you are reading these comments, a big congratulations on reaching $1K so quickly! I loved reading your story so far. IMO getting to that first $1K is harder than getting from $1K to $10K. Most first timers never make it to $1K at all.
I like the look of this. I would think about switching but I've paid a year of YNAB and I don't have the time to switch budgets right now. But I will probably re-evaluate in 11 months when my YNAB expires. Onboarding with the kind of products may take longer than the author realises. People like my self will need reminders that this product exists. It took years of YNAB ads for me to switch from HLedger and that real…
IMO, onboarding with YNAB specifically would take longer than most other budgeting apps, since on top of getting used to the interface, you also need to get used to their very specific method of budgeting. With Lunch Money, I've heard from users coming from YNAB that it's easier to get set up likely because we've approached organizing transactions and budgeting in a more pragmatic and flexible way.
Love to hear what you think when/if you ever decide to join Lunch Money!