On Wed, Aug 22, 2012 at 4:13 PM, Richard Esplin <[email protected]>wrote:
> 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 > > One that I like is www.inzolo.com It's built in Alpine, UT. /* PLUG: http://plug.org, #utah on irc.freenode.net Unsubscribe: http://plug.org/mailman/options/plug Don't fear the penguin. */
