What do you use to record, budget, and manage your personal finances? * Gnucash: I've been using it for years, but I'm tired of manually entering data and the online banking is too manual, fiddly, and error prone to be useful.
* KMyMoney, Grisbi: The user community is a lot smaller than GnuCash, so they are missing features and I worry about moving my data into a product that doesn't have a strong enough following to be around in 10 years. * MoneyDance: Has promise. I don't see any way to get my money out. 2nd tier mobile access. No sync across devices. But probably cheaper than a web-based subscription service. * Mint: Looks really cool, but if I'm not paying, I'm the product. And how do I get my data out? I can see CSV downloads, but I worry about that being enough. * Mvelopes: I think I like their approach to budgeting the best, but the software looks like it was last innovative in 2009. Flash on Linux isn't going to work much longer. When I couldn't find their pricing in five minutes of looking, I started wondering what they have to hide. * HelloWallet: Has promise. Similar concerns about getting my money out if I ever need to stop paying $9/mo. * Yodlee Money Center: Their web site tells me nothing. One other thought: Every money management system I have seen that synchronizes with online banking treats the bank's records as the authoritative source of transaction data. I have seen enough bank errors and mistaken charges that I want my receipts to be the authoritative transaction data. My software needs to document my view of truth. Picture this work flow: my software downloads the bank record, and then allows me to mark each transaction as correct when I compare it with either a receipt or my memory. Instead of reconciling my printed bank statement, the system would monitor for post-facto changes to the bank's account history. This allows the software to highlight places where someone is tampering with my account. Does anything work like this? Thanks, Richard /* PLUG: http://plug.org, #utah on irc.freenode.net Unsubscribe: http://plug.org/mailman/options/plug Don't fear the penguin. */
