[{"data":1,"prerenderedAt":670},["ShallowReactive",2],{"project-20811287":3},{"id":4,"name":5,"line":6,"line_source":7,"title":8,"url":9,"domain":10,"maker":11,"posted_at":12,"year":13,"points":14,"comments":15,"rank_in_year":16,"shown_in_year":17,"top":18,"tier":19,"category":20,"subcategory":21,"format":22,"keywords":23,"reception":28,"sentiment":29,"stance_mix":30,"scored_comments":35,"aspects":36,"strip":47,"post_text":50,"what":51,"said":119,"maker_in_thread":263,"shape":272,"grid":275,"attempts":634,"same_week":635,"maker_shows":42,"maker_hidden":663,"reader_version":664,"card":665},"20811287","Lunch Money","A personal budgeting tool with multi-currency support","title","Show HN: Lunch Money, a personal budgeting tool with multi-currency support","https:\u002F\u002Flunchmoney.cc","lunchmoney.cc","jnfr",1566922565,2019,229,132,162,2195,8,"notable","productivity","personal budgeting","web_app",[24,25,26,27],"budgeting app","multi-currency budget","personal finance","expense tracker","mixed",-0.003,{"positive":31,"neutral":32,"mixed":33,"critical":34},17,30,6,19,72,{"idea":37,"privacy":39,"execution":41,"pricing":43,"design":44,"performance":45},{"positive":33,"critical":38},4,{"positive":40,"critical":18},0,{"positive":42,"critical":38},1,{"positive":42,"critical":40},{"positive":38,"critical":40},{"positive":40,"critical":46},2,[48,48,48,48,48,48,49,40,48,48,42,42,42,42,48,49,49,49,49,42,48,48,42,42,48,48,42,40,49,42,38,48,49,42,42,38,38,48,48,49],3,5,null,{"problem":52,"audience":62,"pricing":71,"motivation":79,"time_to_build":50,"stack":83,"openness":116,"stage":117,"team_size":118},{"value":53,"source":54,"evidence":55},"Budgeting in multiple currencies and rethinking how budgets are tracked","maker",[56,59],{"id":57,"by":11,"text":58},"20811382","Hi Show HN, I'm really excited to share what I have been working on the side since late November last year. I am a one-person team and this project has allowed me to harness and…",{"id":60,"by":11,"text":61},"20837822","I would say that there are definitely similarities between Lunch Money and the envelope system, but the main differentiator lies in the execution and psychology behind it. The…",{"value":63,"source":54,"evidence":64},"First-time budgeters rather than envelope-method (YNAB) users",[65,68],{"id":66,"by":11,"text":67},"20837755","I would actually say that because you are a YNAB'er, you are not my target audience. Lunch Money works best for first-time budgeters because they don't have a previous foundation…",{"id":69,"by":11,"text":70},"20832158","Thanks for the feedback! It is definitely a different way of budgeting. My target audience is more first-time budgeters. I know it would be an uphill battle to convert YNAB'ers…",{"value":72,"source":73,"evidence":74},"$3 per month or $29 per year","commenter",[75],{"id":76,"by":77,"text":78},"20832803","solarkraft","$3 per month or $29 per year for now. Why should I use a service hosted by someone else for something this important? Not only will I (besides losing money) have to worry about…",{"value":80,"source":54,"evidence":81},"Grew out of need to improve the spreadsheet the maker used for budgeting, mainly multi-currency support",[82],{"id":57,"by":11,"text":58},[84,88,92,96,100,107],{"value":85,"source":54,"evidence":86},"Node.js with TypeScript backend",[87],{"id":57,"by":11,"text":58},{"value":89,"source":54,"evidence":90},"React and Semantic UI with TypeScript frontend",[91],{"id":57,"by":11,"text":58},{"value":93,"source":54,"evidence":94},"Bull for Redis queues",[95],{"id":57,"by":11,"text":58},{"value":97,"source":54,"evidence":98},"PostgreSQL database",[99],{"id":57,"by":11,"text":58},{"value":101,"source":54,"evidence":102},"Flutter for planned mobile app",[103,104],{"id":57,"by":11,"text":58},{"id":105,"by":11,"text":106},"20837882","Nailed it. I've worked on a React Native app before and honestly, didn't love it. I did my research on Flutter and love the motivation and execution behind it. Also, being able…",{"value":108,"source":54,"evidence":109},"Plaid for bank connections",[110,113],{"id":111,"by":11,"text":112},"20832864","I use Plaid (https:\u002F\u002Fplaid.com) which also powers many other financial apps.",{"id":114,"by":11,"text":115},"20821299","Thank you! I'm using Plaid (https:\u002F\u002Fplaid.com) to connect to users' banks.","unknown","launched","solo",{"praise":120,"objections":139,"requests":180,"questions":219,"alternatives":248},[121,128],{"value":122,"source":73,"evidence":123},"Course-correction budgeting concept",[124],{"id":125,"by":126,"text":127},"20832069","rcconf","This looks fantastic! I've used Mint to track my expenses and this looks way better (especially the course correction concept.) The biggest issue that comes up when entering…",{"value":129,"source":73,"evidence":130},"Multi-currency and split\u002Fgrouped transactions features",[131,135],{"id":132,"by":133,"text":134},"20834339","_def","This is exactly what I want. Like many others, I have my own personal solution, which I used for the last 3 years. But it's far from \"complete\" and lacks many convenient features…",{"id":136,"by":137,"text":138},"20832097","fjp","I was halfway through building something like this just for msyelf. My main issues with existing options are: 1. Mint and others always seem to automatically count transferring…",[140,148,157,169],{"value":141,"source":73,"evidence":142},"Bank connection via Plaid requires entering bank credentials, which is a privacy concern",[143,147],{"id":144,"by":145,"text":146},"20832209","ryandvm","I really like where this is going. It looks like a much more polished version of my own personal solution for this problem. The one thing I really dislike is the way transactions…",{"id":125,"by":126,"text":127},{"value":149,"source":54,"evidence":150},"Only US and Canadian banks supported through Plaid",[151,154],{"id":152,"by":11,"text":153},"20837857","Congratulations on graduating college and good luck with the upcoming move! We currently use Plaid to connect to bank accounts which unfortunately only supports US\u002FCanadian…",{"id":155,"by":11,"text":156},"20832124","Thank you so much!! 1. Right now I'm using Plaid to connect to bank accounts which currently only supports US and Canada-based banks (but even then, some banks are not supported…",{"value":158,"source":73,"evidence":159},"Hosted service handling sensitive financial data raises security concerns",[160,161,165],{"id":76,"by":77,"text":78},{"id":162,"by":163,"text":164},"20832196","vorpalhex","This looks great, but is there any writeup on how the security for it works? Are things encrypted at rest? Has there been any auditing?",{"id":166,"by":167,"text":168},"20832644","tomschlick","This looks great but a couple of things: 1) You should be defining a strict CSP and a few other headers given that this deals with financial information:…",{"value":170,"source":73,"evidence":171},"Not envelope-based, so YNAB users are not the target",[172,176],{"id":173,"by":174,"text":175},"20832110","nightski","It looks pretty, but unfortunately I found budgeting methods that are not envelope based (such as YNAB where every dollar is assigned a job) are not adequate. After adopting the…",{"id":177,"by":178,"text":179},"20832448","isaacaggrey","YNAB user here - this looks great and I love new tools :) but what differentiates this from YNAB besides non-envelope budgeting method? also nice - the ability for a…",[181,190,200,207,213],{"value":182,"source":73,"evidence":183},"CSV import of transactions",[184,185,186],{"id":144,"by":145,"text":146},{"id":132,"by":133,"text":134},{"id":187,"by":188,"text":189},"20831949","chopraaa","Kudos. You've gone and done something a lot of us only plan to do but never get around to. I have a few questions though. 1. Does this work for everyone around the world? 2. How…",{"value":191,"source":73,"evidence":192},"Upcoming expenses feature",[193,197],{"id":194,"by":195,"text":196},"20831963","dfsegoat","You nailed it here. I've been waiting for something like this - Mint etc. don't give me enough functionality in terms of forecasting, seeing a trend and helping me to modify my…",{"id":198,"by":11,"text":199},"20832415","Thanks for the feedback! Upcoming expenses is a great idea, and was an original feature from my own budgeting spreadsheet but has not made it as a feature yet on Lunch Money.…",{"value":201,"source":73,"evidence":202},"Offline desktop use",[203],{"id":204,"by":205,"text":206},"20832686","aflag","I'm on the phone right now, it's not clear in the bit of the site I can see. But is it possible to run it on the desktop, entirely offline?",{"value":208,"source":54,"evidence":209},"Exposing and manually overriding currency rates",[210],{"id":211,"by":11,"text":212},"20839468","These are really great questions, thanks for asking! 1. Every transaction is stored in its original currency. The conversion to your primary currency happens on demand. 2. We…",{"value":214,"source":54,"evidence":215},"Edit history for collaboration",[216],{"id":217,"by":11,"text":218},"20832895","I would say Lunch Money is totally different from YNAB. We tried to rethink most aspects of budgeting and came up with our own philosophy of how to best approach it. My target…",[220,225,236,240],{"value":221,"source":73,"evidence":222},"How security and user data are protected, and whether there has been auditing",[223,224],{"id":125,"by":126,"text":127},{"id":162,"by":163,"text":164},{"value":226,"source":73,"evidence":227},"How transaction data is imported",[228,232],{"id":229,"by":230,"text":231},"20832781","t0astbread","This looks really cool! I'm not sure if I wanna register myself on this service yet so I haven't seen a lot of it but I'm curious: How is my transaction data imported? Are there…",{"id":233,"by":234,"text":235},"20819997","ko3us","Nice work! Looks great and easy to use. What do you use to get transaction history?",{"value":237,"source":73,"evidence":238},"Whether it works outside the US and Canada",[239],{"id":187,"by":188,"text":189},{"value":241,"source":73,"evidence":242},"What differentiates it from YNAB and Pocketsmith",[243,244],{"id":177,"by":178,"text":179},{"id":245,"by":246,"text":247},"20833801","te_chris","I'm a huge fan of Pocketsmith. Highly recommend it: https:\u002F\u002Fwww.pocketsmith.com Why should I switch to this?",[249,254,259],{"value":250,"source":73,"evidence":251},"YNAB",[252,253],{"id":177,"by":178,"text":179},{"id":173,"by":174,"text":175},{"value":255,"source":73,"evidence":256},"Mint",[257,258],{"id":125,"by":126,"text":127},{"id":136,"by":137,"text":138},{"value":260,"source":73,"evidence":261},"Pocketsmith",[262],{"id":245,"by":246,"text":247},{"comments":264,"answered":265,"key":266},35,21,[267,268,271],{"id":57,"text":58},{"id":269,"text":270},"20832377","Thank you for the kind words! Lunch Money is definitely a different way of budgeting. I mentioned this in an earlier comment, but my target audience is more first-time budgeters.…",{"id":60,"text":61},{"commenters":273,"max_depth":33,"maker_replies":264,"first_comment_mins":49,"lifespan_hours":274},75,389,[276,278,282,284,287,288,291,295,299,303,305,309,312,314,315,319,323,326,328,331,334,336,338,340,343,345,348,350,354,358,359,362,363,366,370,373,376,377,381,383,386,388,392,394,397,400,402,404,407,409,410,411,412,415,417,420,422,424,426,427,431,433,437,441,443,445,447,451,454,456,457,459,464,466,468,470,474,476,477,479,481,483,488,489,490,493,497,499,503,506,508,511,514,516,520,524,525,528,533,537,542,546,548,549,551,553,557,560,564,567,569,573,577,581,583,587,590,593,596,598,602,607,609,611,613,616,617,620,624,629,632],[57,40,40,277,11,42],"maker\u002Fneutral\u002Fnone",[279,40,48,280,281,40],"20832295","project\u002Fneutral\u002Fidea","bszupnick",[269,40,40,283,11,42],"maker\u002Fneutral\u002Fidea",[285,40,48,280,286,40],"20833566","jcutrell",[60,40,40,280,11,42],[289,40,48,280,290,40],"20833826","arosier",[292,40,40,293,294,40],"20836913","commenter\u002Fneutral\u002Fnone","oarsinsync",[296,40,48,297,298,40],"20833511","project\u002Fneutral\u002Fprivacy","vesinisa",[300,40,48,301,302,40],"20833568","project\u002Fneutral\u002Fnone","Finkregh",[304,40,40,301,11,42],"20837887",[306,40,48,307,308,40],"20833607","maker\u002Fneutral\u002Fexecution","pitaj",[310,40,48,307,311,40],"20834657","nikolay",[313,40,48,307,294,40],"20836796",[105,40,40,307,11,42],[316,40,49,317,318,40],"20834864","project\u002Fpositive\u002Fidea","Fiahil",[320,40,42,321,322,40],"20835685","project\u002Fcritical\u002Fidea","wellpast",[324,40,48,280,325,40],"20836447","jmiserez",[327,40,40,293,322,40],"20837837",[329,40,40,293,330,40],"20914273","vitoc",[332,40,49,333,318,40],"20841280","project\u002Fpositive\u002Fpricing",[335,40,40,293,330,40],"20914190",[337,40,40,293,325,40],"20836439",[339,40,40,293,318,40],"20840728",[341,40,40,342,294,40],"20836833","commenter\u002Fneutral\u002Fprivacy",[344,40,40,342,318,40],"20840709",[346,40,40,293,347,40],"20837021","appleflaxen",[349,40,40,293,318,40],"20841157",[351,40,40,352,353,40],"20835205","other\u002Fneutral\u002Fnone","tony",[355,40,48,356,357,40],"20836485","project\u002Fmixed\u002Fidea","Joeri",[66,40,40,283,11,42],[360,40,48,301,361,40],"20836640","Improvotter",[152,40,40,301,11,42],[364,40,40,352,365,40],"20840877","kryptographs",[367,40,42,368,369,40],"20836771","project\u002Fcritical\u002Fnone","mywacaday",[371,40,40,372,11,42],"20837740","maker\u002Fneutral\u002Fprivacy",[374,40,42,375,369,40],"20850376","project\u002Fcritical\u002Fprivacy",[144,42,42,375,145,40],[378,42,40,379,380,40],"20832252","commenter\u002Fcritical\u002Fprivacy","peteradio",[382,42,40,307,11,42],"20832352",[384,42,42,375,385,40],"20832874","pndmnm",[387,42,40,277,11,42],"20837913",[389,42,48,390,391,40],"20832937","project\u002Fneutral\u002Fexecution","edraferi",[393,42,40,307,11,42],"20832964",[395,42,40,293,396,40],"20832596","MrGilbert",[398,42,42,321,399,40],"20833145","jbob2000",[125,46,48,401,126,40],"project\u002Fmixed\u002Fprivacy",[403,46,40,372,11,42],"20832310",[405,48,48,280,406,40],"20835310","phodge",[408,48,40,283,11,42],"20837948",[194,38,49,317,195,40],[198,38,40,283,11,42],[136,49,48,280,137,40],[413,49,40,293,414,40],"20832128","neogodless",[416,49,40,280,11,42],"20832453",[418,49,49,419,137,40],"20832958","maker\u002Fpositive\u002Fnone",[132,33,49,421,133,40],"project\u002Fpositive\u002Fnone",[423,33,40,372,11,42],"20837974",[187,425,49,317,188,40],7,[155,425,40,277,11,42],[428,425,49,429,430,40],"20832307","project\u002Fpositive\u002Fdesign","_0o6v",[432,425,49,421,298,40],"20833573",[434,18,48,435,436,40],"20835199","project\u002Fmixed\u002Fexecution","jontas",[438,439,48,280,440,40],"20834105",9,"aresant",[166,442,42,375,167,40],10,[444,442,40,307,11,42],"20832656",[446,442,40,277,11,42],"20832747",[448,449,48,280,450,40],"20834039",11,"pj_mukh",[452,449,40,352,453,40],"20834747","pfranz",[177,455,48,280,178,40],12,[217,455,40,280,11,42],[458,455,48,280,178,40],"20838871",[460,461,48,462,463,40],"20840021",13,"project\u002Fmixed\u002Fdesign","lifeformed",[204,465,48,297,205,40],14,[467,465,40,372,11,42],"20832871",[469,465,42,375,205,40],"20832913",[471,465,48,472,473,40],"20848093","project\u002Fneutral\u002Fdesign","_august",[173,475,42,321,174,40],15,[69,475,40,283,11,42],[478,475,48,280,133,40],"20834369",[480,475,40,293,174,40],"20834737",[482,475,48,280,133,40],"20836470",[484,485,49,486,487,40],"20837004",16,"project\u002Fpositive\u002Fexecution","Flimm",[211,485,40,307,11,42],[76,31,42,375,77,40],[491,31,40,492,11,42],"20832948","maker\u002Fneutral\u002Fpricing",[494,31,42,495,496,40],"20833675","maker\u002Fcritical\u002Fprivacy","agapon",[498,31,42,375,77,40],"20844477",[500,501,40,352,502,40],"20834429",18,"galfarragem",[504,501,40,352,505,40],"20834543","cheeze",[507,501,40,293,502,40],"20834918",[509,501,40,293,510,40],"20956589","lensopra",[512,34,49,317,513,40],"20831928","robot1",[515,34,40,277,11,42],"20832131",[517,518,48,390,519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