I have been recording everything faithfully. The problem is what I am recording it into. I started with sensible categories and now have about ninety, because every time something did not fit I made a new one. There is…
I bounced off a couple of replacements when the free one I'd used for a decade closed, and went back to pen and paper. That works but it doesn't scale to a household. Coming back to look properly. I want to know whether…
I spend about twenty minutes on a Sunday typing transactions into a sheet I built, and it has worked for eleven months, which is longer than either app lasted. The part I dislike is that I only find out I've overspent…
I've started and abandoned four apps in three years and the pattern is identical every time. Two great weeks of categorising everything, then a missed week, then 300 uncategorised transactions and I never open it again.…
Two chequing accounts, one credit card, and one joint account with my partner. Every free app I've tried either caps the number of connections or turns the credit card into double counted spending. I'm not against…
Big five bank plus a credit union, and roughly every six weeks one of the connections drops and needs re authenticating, sometimes losing a few days of transactions on the way. I'm already on a paid app so this isn't a…
We split rent and groceries from a joint account and keep our own current accounts for everything else. Every app I've tried wants either one merged household view or two entirely separate subscriptions, and my partner…
Two accounts at a big four bank, an offset, and a card with a smaller lender. I've been using something that scrapes and it's flaky. I understand there's a properly regulated data sharing system here now and I'd rather…
I've run the same spreadsheet for six years and it works, but it costs me about 40 minutes a month of manual entry and I'm bored of it. Monarch keeps coming up, core plan around $99 a year with a higher tier at $199. I…
I've been using a free budgeting app for four months, linked through one of the bank connection services, and there are no ads and no upsell I can find. I'm not paranoid enough to think it's malicious, but nothing is…
Everything I own is Apple and I keep seeing the iOS exclusive one recommended for its design. I'm suspicious that beautiful is doing a lot of work in those recommendations and that I'd be paying about $95 a year for…