Ask HN: How do you manage your personal finances and budgets? | Hacker News Reader

Ask HN: How do you manage your personal finances and budgets?

13 pointscdahmedeh13 comments

Do you use any specific applications or websites? Any neat tips that you may have would be interesting too.

Thanks! - Ahmed

Although I would probably find mint.com very useful, I won't use it while doing so still means violating your bank's TOS [0].

Mint.com requires your online banking credentials. Most banks will state in their TOS that sharing these credentials with 3rd parties is a violation and absolves them of liability should your account be compromised (via any means).

[0] http://www.moneysense.ca/spend/the-banks-take-a-bite-out-of-...

I use a plain text file with columns separated by tabulations. First column is my earning, and my expenses that are predictable (like phone, loan...). second column is my expenses on a daily basis. A simple awk command and I can compute a projection of the money that will be left on my account at the end of the month. Each month I use a new file. The beauty is that I can print the result of my command and put it in my status bar, next to the temp of my proc. It's a metric value like another after all.

I'm writing my own. I used Mint for past 3 years or so but it's just not working out because it keeps creating duplicate copy of accounts, the expenses/income per month isn't right and so on. I've a prototype that I'm using personally for past two months. Still need to add few more features. After it's ready I would probably do Show HN.

I use mint, personalcapital, and a spreadsheet. You may want to checkout the financial independence subreddit for a deeper dive on the topics of personal finance and budgets: http://www.reddit.com/r/financialindependence

https://mint.com

https://futureadvisor.com

https://simple.com

Simple for banking. FutureAdvisor for automated retirement investments. Mint to aggregate various accounts into one spot.

Mint is great, I'm also tracking my federal student loan balance with it

I keep track of my finances using my Android phone. There's Financisto ( http://financisto.com/ ), an awesome and extensible app which suits my need extremely well.

If you want a tool that is freely available and runs on your PC, try something like: http://gnucash.org/

http://www.moneydance.com

We use Quicken, Personal Capital, and spreadsheet.

Excel Spreadsheet.

This company is really good - http://www.simpleplanning.net/

Lots of good spreadsheets. Not too expensive either.

mint.com, betterment.com, sigfig.com

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