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I got control of my spending with some no-code services and 100 lines of Python

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Re: I got control of my spending with some no-code services and 100 lines of Python

#51
post #32

I've done something similar recently; but instead of grabbing data from my bank, I chose to enter data manually from receipts. This makes it work for both cash and debit payments, and doesn't need any maintenance for API breakage. I find doing this data entry calming, to be honest. I wrote about it here https://gkbrk.com/2019/04/plaintext-budgeting/

Did you consider to use some kind of OCR?

Re: I got control of my spending with some no-code services and 100 lines of Python

#52
Hi, sorry for a bit of off-topic but perhaps someone could tell me if I'm wrong here. I clicked on this article on medium.com and it shows me a dialog from Google asking if I want to continue browsing medium.com authenticated with my Google account. It shows there my name and e-mail address. I find it a bit concerning. Can medium.com technically walk through the DOM of that page to harvest my personal data such as e-mail address and send it to medium.com with some API call? I guess it must be filled by some .js code linked from google domains. Scary to see my e-mail address appear on random web page I entered.

Re: I got control of my spending with some no-code services and 100 lines of Python

#53

I admire how you've managed to do this easily (and avoid writing code for everything). But the fact that you have to do it shows how broken and lethargic banks have become. In the UK, they are starting to wake up. The new "challenger" banks which exist here all do this as a hygiene feature - see Monzo, Starling, Revolut. With Open Banking mandating open APIs for all banks, this will become the norm soon. The fact tha…

> Revolut

Note that this only applies for business accounts. Regular users as far as I can tell are unable to access the API.

Re: I got control of my spending with some no-code services and 100 lines of Python

#54

Earlier quoted context omitted.

My bank doesn't provide an API. So I just automated a headless browser to log into my account and download the statements.

Over 18,000 banks provide APIs, what bank do you use? Is it a small credit union?

And how much time would that take me to register my own application to download a few statements instead of using the browser?

My bank is TSB, but at that time there was definitely not even a program to register a developer account with them.

Re: I got control of my spending with some no-code services and 100 lines of Python

#55

Earlier quoted context omitted.

My bank doesn't provide an API. So I just automated a headless browser to log into my account and download the statements.

This has long been on my todo list. Do you find it breaks often? Or was it kind of a build it, set it, and (mostly) forget it type of project?

I just need to supply my bank statements to the accountant annualy (bank is TSB). They have a set of rules (less that 150 lines, not more than 3 months) that constrain how you can get the statements, and a 5-step process to open up the UI to download one, then select the dates, etc. You may imagine it's simply error-prone and repetitive.

A few years I didn't even need to change the script. But even when I needed it wasn't something too complex. As long as you constrain the expected behaviour and error early - it works perfectly well.

Re: I got control of my spending with some no-code services and 100 lines of Python

#56

Hi, sorry for a bit of off-topic but perhaps someone could tell me if I'm wrong here. I clicked on this article on medium.com and it shows me a dialog from Google asking if I want to continue browsing medium.com authenticated with my Google account. It shows there my name and e-mail address. I find it a bit concerning. Can medium.com technically walk through the DOM of that page to harvest my personal data such as e-…

Medium doesn't have access to that part, even though you see it on your screen. It use an iframe, which in the past, was accessible, but now with crossdomain policy and all that, the iframe content is no longer accessible.

Re: I got control of my spending with some no-code services and 100 lines of Python

#57
post #16

Earlier quoted context omitted.

Banking in the US is utterly ridiculous. In Europe, if you need to move up to 100,000E in a day, you can do it with a few clicks or taps, and maybe a card reader that they already gave you. In the US, you have to use a wire transfer is you're moving more than about $4,000. And wires cost a lot of money. And they aren't even instant even though they are billed that way. I had to move some money from one account I own…

You're lucky it went in three hours. A couple of times I've moved between $17,000 and $40,000, and Chase sits on it for up to TEN DAYS before it will release received the funds. Chase claims it's a federal regulation, but no one in the branch or on the phone can tell me which one.

Any transfer of $10k or more (and in many cases less) requires reports by the financial institutions to the IRS and potentially other government agencies. Why that would cause huge delays I don't know. Most likely Chase just wanted to make some money on the float.

Re: I got control of my spending with some no-code services and 100 lines of Python

#58
post #16

I admire how you've managed to do this easily (and avoid writing code for everything). But the fact that you have to do it shows how broken and lethargic banks have become. In the UK, they are starting to wake up. The new "challenger" banks which exist here all do this as a hygiene feature - see Monzo, Starling, Revolut. With Open Banking mandating open APIs for all banks, this will become the norm soon. The fact tha…

Banking in the US is utterly ridiculous. In Europe, if you need to move up to 100,000E in a day, you can do it with a few clicks or taps, and maybe a card reader that they already gave you. In the US, you have to use a wire transfer is you're moving more than about $4,000. And wires cost a lot of money. And they aren't even instant even though they are billed that way. I had to move some money from one account I own…

What's wrong with doing an ACH transfer for amounts of more than $4,000? Most large banks seem to have limits of $25k/day for those transfers and that can be increased pretty easily (at least on business accounts). There usually aren't any fees for those either.

Re: I got control of my spending with some no-code services and 100 lines of Python

#59
post #16

I admire how you've managed to do this easily (and avoid writing code for everything). But the fact that you have to do it shows how broken and lethargic banks have become. In the UK, they are starting to wake up. The new "challenger" banks which exist here all do this as a hygiene feature - see Monzo, Starling, Revolut. With Open Banking mandating open APIs for all banks, this will become the norm soon. The fact tha…

Banking in the US is utterly ridiculous. In Europe, if you need to move up to 100,000E in a day, you can do it with a few clicks or taps, and maybe a card reader that they already gave you. In the US, you have to use a wire transfer is you're moving more than about $4,000. And wires cost a lot of money. And they aren't even instant even though they are billed that way. I had to move some money from one account I own…

I've given up moving large amounts of money electronically in the US. It just doesn't work. What does work? Write a paper check to yourself on the "from" bank and use the "to" bank's app on your phone to take a picture of the check for deposit, then keep the paper check in a file folder for later auditing.

Seriously. This is disgusting but it works.

Re: I got control of my spending with some no-code services and 100 lines of Python

#60
The brilliance of this is the use of email receipts as the data source. There's so many services that use Yodlee (and/or the the Quicken-style "direct connect" method) to fetch your transactions but they all eventually fall over:

- your credentials change

- your credentials require MFA authentication

- your credentials require a password reset or security question/answer intervention

- the bank, Yodlee, or the service lose track of the transaction offset and you get duplicate transactions or missing transactions

- the service doesn't transmit all available metadata

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