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Comment by adrian_pop | Hacker News Reader

There won't be an "importt feature" from bank statement. As I said in the post, I don't want to operate with personal/sensitive informations.

Let's be serious, we all have internet connection most of the time. When there's no connection, there could be a mobile app (long wait till there).

And no, I don't want the app to pay your bills. You just add: $50, internet bill (attach the pdf/picture or pick one from drive/dropbox) and submit. and meanwhile the document will be uploaded to your drive/dropbox.

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> There won't be an "importt feature" from bank statement.

YNAB's budgeting philosophy discourages importing data from your bank statement because it disconnects the user from the individual transaction that take place. They ended up adding support for CSV/OFX/QIF because people wanted it.

> As I said in the post, I don't want to operate with personal/sensitive informations.

All financial data is personal and sensitive, whether imported or manually entered.

> Let's be serious, we all have internet connection most of the time.

Most of the time, not all of the time. Especially not in rural areas. I regard my personal finances as pretty important, so not being able to access my budget because I don't have an internet connection is a big problem.

> And no, I don't want the app to pay your bills.

Apologies I didn't phrase that right. I meant: What if I forget to pay my internet bill, then can't access my personal finance app to see if I can afford to pay my internet bill?

> Apologies I didn't phrase that right. I meant: What if I forget to pay my internet bill, then can't access my personal finance app to see if I can afford to pay my internet bill?

You go to a good friend who'll let you use his computer for 3 mins, check your finance: u have money? pay the ne; no money, ask him :P

The other solution would be to go to the ATM and check your balance :P

I fiddled with an SPA for personal finance, and I used the js file API in combination with a <input type="file" /> to load a local file and Papa Parse [1] to parse the CSV. You could do all this stuff client side, then push the non-sensitive information (like spending category, date and amount) to your API.

There's a lot you can do frontend and keep your backend simple/stupid. If you host the data in Google Drive or Dropbox, you wouldn't be responsible at all for the potentially sensitive information.

1: http://papaparse.com/

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