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It's definitely an industry ripe for rebirth. For instance, I should be able to partition my money into several lightweight accounts - one for groceries, one fo

• sandeeps_ 9y ago
  You can try capital one 360 account. It allows you to create virtual accounts for different categories. It doesn’t have all the features you desire, but is better than most other banks in this respect.
  • kevin_thibedeau 9y ago
    Capitol One has one of the largest advertising budgets at > $1.5B. Seems a bit insane to support an organization that is willing to send so much revenue out the door when a good chunk of it could be recaptured by its customers.
    • gascan 9y ago
      If it matters, Capital One 360 is, or at least was, the old ING Direct USA. The whole division was acquired by Capital One.
      • commonsense123 9y ago
        more like a wanna be tech company.
    • lukeschlather 9y ago
      $1.5 billion in marketing on $30 billion in revenue doesn't seem that outlandish. Maybe it is for a bank.
    • komali2 9y ago
      Warning: anecdotal. My friend is a recent employee of Capital One via the Paribus acquisition, and he has quoted his CTO as saying "We're not a bank, we're a technology company." I don't bank with them so I can't comment on their offerings, but his insider perspective indicates that they're taking technology seriously (hence acquisitions like Paribus).
      • streptomycin 9y ago
        Every big old enterprise company loves saying things like "we're a technology company".
    • icebraining 9y ago
      Seems weird to base your decision on how they spend their money. Isn't how much they actual charge you what matters, rather than what they use it for?
  • Karunamon 9y ago
    It's still Capital One at the end of the day... I really don't relish the idea of giving them money.
• Someone1234 9y ago
  > I should be able to partition my money into several lightweight accounts - one for groceries, one for home expenses, investment, etc Heck not even real "Accounts" (in the traditional banking sense) but just "funds" or "virtual accounts." I should be able to put $5/month into a "waste of money" fund, and then flag specific transactions against that balance when I use it, or as you said have a virtual credit card that goes straight out of my virtual "waste of money" fund. It really is surprising how little innovation occurs in the banking space. I want more tools to track expenditures and money usage, silo-ing money virtually is an obvious way to do that, but yet nobody really offers it!
  • cspags 9y ago
    I highly recommend checking out https://www.youneedabudget.com https://www.youneedabudget.com for the ability to do this and more. (No affiliation, just a very satisfied customer)
    • Someone1234 9y ago
      Does that require giving them your banking online login details?
      • gascan 9y ago
        If you're concerned about that, you can always go with desktop software. Quicken will do "virtual accounts".
        • dredmorbius 9y ago
          Or Free Software alternatives such as GNUcash. LWN have a current "Grumpy Editor" series article on Beancount: https://lwn.net/Articles/751874/ https://lwn.net/Articles/751874/ And an older one from 2009: https://lwn.net/Articles/314577/ https://lwn.net/Articles/314577/
      • bombledmonk 9y ago
        There's yet another thing that's needed industry wide. Oauth or similar concept with read only access to a data api.
• madeofpalk 9y ago
  The UK actually has a bunch of 'challenger banks' that are doing cool things like this. I use Monzo which, a few month ago added support for 'Pots' - super lightweight mini bank accounts that let you partition up your money. Among others, I have a Holiday pot and a Savings pot. They even have this early stage feature where if you name a pot "Coin Jar" they'll automatically round up transactions to the nearest £ and transfer it to that pot. Using something like Monzo is like night and day compared to the products from the big banks.
  • dageshi 9y ago
    ah hah! I was looking for a bank with this type of feature about 6 months ago, thanks
• GuiA 9y ago
  All the things you describe could result in an amazingly improved experience for customers, letting them better control their finance, and understand where their money goes. Sadly, this is not how banks become rich. Banks become rich by letting their customers spend a lot of money they don't have, then charging them insane interest rates that will often result in them paying back multiple times what they originally owed. Having moved to the US from a country where the idea of a credit card is close to inexistent (people take loans to buy a car or a house, or start a business - but certainly not to buy a TV), it took me a while to fully wrap my head around how insane the credit system was in the US, and how its only outcome can be very rich and powerful financial institutions leeching money from average citizens.
  • heurist 9y ago
    Yes, that's a serious problem. The changes I suggested are not sufficient to fix the problems in the banking system, they're just features I would like to see (and apparently are being worked on, according to other responses). Thinking further, a determined, well-designed, consumer-oriented bank could steal the "responsible spender" market share from the existing banking system and increase the fragility of the contemporary credit system. No clue what happens after that.
• bradstewart 9y ago
  I do almost exactly what you described with Charles Schwab. I have multiple "full" accounts, but there's no maintenence fees or anything. Their online tools are great. You can open a new checking account with the click of a button.
  • thomble 9y ago
    No fees on ATMs, including international ATMs. Also, their 24/7 Chat Support is stellar.
  • lobster_johnson 9y ago
    As I understand it, you need a brokerage account to get this; it's called the "High Yield Investor checking and savings account". It's not intended for most people, though apparently they don't care if you get the brokerage account and don't use it. On the other hand, Schwab has effectively zero physical branches, and apparently don't accept most ways of depositing money to your account, which makes it awkward to deal with cash and checks that end up in your hands for whatever reason.
    • bradstewart 9y ago
      All accurate. It is definitely marketed at investors, but I've used it as my checking account (er, accounts) for years now. Although there are a handful of branches where I live, I never physically go there. I handle all check deposits via their mobile app. I never receive cash for anything though. You are correct, it would probably be a bad choice for someone dealing with a lot of cash. And as a sibling comment said, no ATM fees anywhere in the world, ever.
• dlgeek 9y ago
  Check out the first half of http://steve-yegge.blogspot.com/2009/04/have-you-ever-legalized-marijuana.html http://steve-yegge.blogspot.com/2009/04/have-you-ever-legali... for a discussion of this.
  • heurist 9y ago
    I disagree that all those questions (and probably most of the others he didn't list) need thorough discussion. A strong product head can define the vision that answers those very early on. Integrating with existing systems is definitely the hard part.
• ericcholis 9y ago
  Simple[1] is pretty close. Create "Goals" for any amount and time period, Save $X by Y Date . Simple automatically allocates money to your Goals from your Available Balance daily, every friday, or any other schedule. They show you a "Safe to Spend" balance which is your Available Balance minus your total Goals. You can associate a Goal with a spending category, say Groceries, and have all transactions marked Groceries come out of the Goal rather than your Safe to Spend balance. 1) http://www.simple.com http://www.simple.com
  • heurist 9y ago
    That's Random Startup #347 ;) I have considered trying Simple but not gotten around to it yet.
  • ianamartin 9y ago
    I was a Simple customer from when they were still in beta, and I really loved them and talked a fair number of people into opening accounts with them over the years. Things went really downhill after a while. Moving physical addresses was a total shitshow. It involved them snail-mailing two verification codes. One to the current address and one to the new address. And you had to be able to collect them both and get them entered within a certain time frame. (Really inconvenient when moving from Texas to NYC). And then got a new banking partner and had to basically re-enroll everyone again with a time component. There was a web form that crashed immediately when I entered my information because they couldn't verify my address. I filed a ticket immediately, which they didn't follow up on. When I followed up on it, they said it was a known issue and they were working on it. No worries, I'll get an extension. Eventually after me calling several times to ask about it, they just said that there were issues with some of their oldest accounts that just couldn't be resolved. So I could Re-enroll from scratch on their website. Which I did. And immediately got flagged as fraud because I already existed as a customer. Eventually, they told me I would just have to find a different bank, and they were closing my account in 7 days, and they were going to keep any money left in the account at that point. I was pretty livid. And the goal system was theoretically really cool. I liked it a lot. But it never really worked correctly because the goal tag wouldn't stick from the Auth to the Settlement. So anything you had flagged when you made a purchase you had to re-flag when the purchase was no longer pending. It was a great idea but somehow they never figured out quite how to relate the Auths to the Settlements in their user database. Which is pretty scary. Anyway, long story short, up until a couple years ago, I would've completely agreed about Simple being a good option. But I can't warn people away fast enough after all of the garbage I've had with them.
• p-funk 9y ago
  I've been planning a side project with a lot of those features. That's exactly how I think about my budgeting and that's exactly how I would like to allocate my money. I'm really not aware of any way to do this currently, apart from a lot of manual work in a spreadsheet, which is annoying and still requires restraint in spending. Mint isn't even that helpful when it comes to budgeting because their alerts and categories are always inconsistent and they change categories that you've set for no apparent reason. Not to mention the ads. Unfortunately, getting data from bank accounts is a pain due to bank security. The approach I was going to use just to get started was to export Mint's data as a csv, and then build an app around that until I read up on the bank transaction formats that would let you pull your transaction history. Not ideal, though.
  • swsieber 9y ago
    Have you looked at plaid? I'm not sure what their rates are like, but if you're doing just a personal project, you might be able to get away with their developer evaluation (though that only lets you interface with big banks, not the small ones - the developer evaluation that is). Edit: plaid is a nice abstraction bank api: https://plaid.com/ https://plaid.com/
    • madamelic 9y ago
      >I'm not sure what their rates are like Very opaque and very expensive ($500 / mo+) Also, they will shut down your account if you don't use your free edition enough.
      • charleyma 9y ago
        Hi Madeline - happy to share more info on pricing - we're working on simplifying pricing for early stage / bootstrapped products . Feel free to reach out directly to my email if you want to learn more (charley@plaid.com). We'll occasionally flag accounts that have dormant API activity in our development tier, but as long as you're still using the API we're happy to cover the cost of the free account.
    • charleyma 9y ago
• ewams 9y ago
  Have been doing this with savings and checking accounts at Ally Bank for over 8 years. Have stuff broken down into emergency fund, slush fund, home buying fund, monthly bills, regular checking, funny money, and some "business" labeled accounts for side projects. You can create an account in about a minute when logged in, though to remove an account you do have to call in, but they have no problem doing it. I have open and closed accounts several times a year when a project dries up or we change how doing finances. It also doesn't hurt that they have good interest rates, no foreign expense costs, and don't charge for things like debit cards, checks, autodraft, bill pay, etc. I do think they are USA only though. Not sure how it works for non US citizens.
• toomanybeersies 9y ago
  If you move to New Zealand, several banks the ability to split paychecks into different accounts, with the option of having a bunch of cards if you wanted. What I would personally like is an extension to the EFTPOS standard so that I can get receipts with my transaction history. It would be great if instead of just saying I spend $50 at the supermarket, it gave me itemised receipts which I could then export.
  • reaperducer 9y ago
    > If you move to New Zealand, several banks the ability to split paychecks into different accounts This is available in the United States, too. I've had the option with a couple of different employers over the years, at least back into the 90's. But it seems to be dependent on the the company's accounting/payroll people/service.
• deleted 9y ago
  [deleted]
• codingbeer 9y ago
  What you describe are common features available to all customers of Danish banks. Free of charge in any decent bank. You get the “Dankort” (den card) for free. It’s a debit card that’s universally supported in all shops with zero surcharge. It’s trivial and a common service to share accounts with multiple cards in your family.
• djsumdog 9y ago
  I deleted all my Mint stuff years ago just because of the security concerns. If you mention the security concerns on Hackernews, a Mint employee typically replies with a link to the wikipedia page on their patented security model. Still, I'd rather not type all my bank passwords into an Intuit website. I like your concept of the multiple credit/card style budgeting. That makes a lot of sense. There are even some of those multicards out there with an e-ink display to select different cards. A bank could just issue one of those for a fee where you can select the account (and have a way to transfer money/items around if you select the wrong budget option). Discover card has a section in your UI that tries to automatically break down your spending by store type (grocery, gas, etc.) but it does require you make all purchases with your Discover card, which a lot of people simply don't take.
  • minthelper 9y ago
    Hi djsumdog, We understand you have concerns about security. Here at Mint, we use a very strong proprietary cryptographic security model which guarantees the safety of your personal information. We'd love to discuss this more with you so if you reach out to us at https://help.mint.com/ https://help.mint.com/ we would love to make sure you're happy with our services. /KEB
    • xxpor 9y ago
      This has to be satire, right?
      • andrepd 9y ago
        Green username. Freshly created account.
        • BallinBige 9y ago
          #deletemint
    • sjm-lbm 9y ago
      Honestly, this is so tone deaf as to be a little amusing. (though I'll admit the sibling's comment about satire is probably right)
• manishsharan 9y ago
  I work for a large bank and can offer a tip. When you find yourself in this situation -- please create an incident report by lodging a complaint with the branch manager or online . Tweet if you must : your goal is to make sure that an incident shows up in the CRM. Branch managers bonus is tied to customer satisfaction parameters. This will not make you situation more bearable but it will force the branch to be more responsive in the future.
  • ghostly_s 9y ago
    That's not my job.
    • ddingus 9y ago
      Yes, but there are two issues here. One is getting your trouble resolved. Sadly that means doing some work you shouldn't have to at present. The other is sharing all those experiences so that we can garner momentum to change things.
      • crististm 9y ago
        There is a theory that you should fix your own problems before you fix other's.
        • Retra 9y ago
          That's not a theory, that's a slogan.
          • crististm 9y ago
            And that's a straw man
        • aquadrop 9y ago
          You can do it concurrently.
• sturgill 9y ago
  I manage most of this with Ally.com. Each bill has its own savings account (most with automatic payment set up on the account side). My direct deposit is automatically transferred on a recurring basis into that pay period’s portion of each bill. You can open multiple checking accounts (and we have multiples for those services that don’t draft from savings accounts), but we only have one debit card. All weekly expenses come from that account (which is funded every week by auto transfers). We aren’t the type that care about “entertainment” vs “food.” Some weeks we eat out more; other weeks we play. If there’s cash in the spend account, buy what you want. Savings and investments are automatically transferred as well. When we have a specific thing to save for, we open a new savings account and modify the transfer rules. Not perfect, but works very well for us.
• macandcheese 9y ago
  A plug for Personal Capital for tracking multiple cards / investment accounts... No ads, just prompts to sign up for their managed investing service occasionally (can't speak to that, fee seems high...). But their free product is substantially more useful than Mint et al. Great web app, great iOS app, really good tracking of expenses and cash flow. Some small annoyances like not linking with Coinbase / Robinhood and not allowing batch editing or smart-editing of transaction categories, but they are small when you look at the larger picture of all they provide for free.
• sgolestane 9y ago
  CapitolOne! You can open an accounts online, no fees and you get interest on your balance. I have more than 20 accounts with them for everything from saving for vacation to saving for unexpected pet expenses.
• KPLSD 9y ago
  The budgeting part of what you're describing is basically YNAB. https://app.youneedabudget.com/ https://app.youneedabudget.com/ It's a set of virtual buckets for allocating what money you currently have. It's not free but it's great because when one bucket's empty, it forces you to choose where else that money is going to come from. Like, "OK you blew threw the beer money, dum dum. Do you want to steal from your vacation fund or the new computer fund." After using it, I would argue that the ideas of "budgeting" and "without any effort on my part" are not compatible. You have to make hard decisions with limited resources and a good budgeting system should automatically bring those hard decisions to your attention and not just let you see how you screwed up with a pretty graph a month later (cough, Mint). Also, many people use it without auto-import, but then you obviously have to be rigorous about entering in transactions. Anyway, it's an option.
  • frereubu 9y ago
    I'm a YNAB user in the UK, where auto-import isn't really practicable because banks refuse to guarantee you against fraud if you give our your online banking details to anyone else, including YNAB. That should change this year because they're being forced to allow customers to use that data: https://www.openbanking.org.uk/home/what-is-open-banking/ https://www.openbanking.org.uk/home/what-is-open-banking/ However, I've actually found it very useful to spend time manually entering my transactions because it's given me a much keener understanding of my finances. Having said that, I've got as much out of that as I'm going to now so I'm looking forward to being able to do auto-import.
    • KPLSD 9y ago
      I do auto-import in the US and it's pretty nice. I still manually enter in things at the end of the month (otherwise they might not clear for a few days and eat out of the next month's budget). But it does a good job of recognizing when it auto-imports a transaction you already entered manually so you don't get duplicates.
    • deleted 9y ago
      [deleted]
    • 9y ago
• theossuary 9y ago
  I can actually do this with Simple. I have been disappointed with their velocity of new features, but they do that really well with their "goals", I really like the feature.
  • kylehotchkiss 9y ago
    I was hopeful simple would have become this magic solution but they just released the concept of savings funds that transactions won't pull from after waiting seemingly 7 years for it. Along with their strange "no long term travel" policy, I'd wouldn't recommend their service for anybody outside out college.
    • ensignavenger 9y ago
      I've been Simple customer for years- never heard of this "no long term travel" policy- can you elaborate? Edit: I just looked, and they indeed state that they may have close your account if you are traveling for "a very long time" or moving out of the country... odd, I wonder what their definition of "a very long time" is?
• narag 9y ago
  It's definitely an industry ripe for rebirth. Or simply for death. Not my idea, I first thought it was a joke when they told me, but it makes perfect sense. I get exactly zero interest for my savings, not even to compensate inflation. It's stock options or bs funds. Only useful service I get is cards and avoiding keeping cash in a physical safe. Credit comes from cards or specialized loan companies. There are two services that do matter: mortgages and credit lines for companies. I can see how this kind of volume operations could be also be done by specialized companies so generalistic banks could disappear.
  • Klathmon 9y ago
    You don't even get to choose your mortgage company. A few years ago a friend of mine bought a house and actually turned down a house who's sellers had a bank of America mortgage as he had bad experiences in the past. He went out of his way to choose not to deal with them, but to his suprise 30 days after he closed he got a letter in the mail telling him that his mortgage was sold to Bank of America! And not suprisingly he had the same issues.
    • doodpants 9y ago
      It's been almost exactly 2 years since I bought my condo, and I'm currently on my fourth mortgage company. Which is now Wells Fargo! I don't know why they keep selling my mortgage.
    • henrikschroder 9y ago
      I have never purchased property in the US, but I keep reading horrible anecdote after horrible anecdote, so I have to ask: As a buyer, why would I even care who the seller has their mortgage with? Why would that matter? Where I'm from, the real estate agent deals with that shit. When you close the deal, the agent calls up the new bank or faxes them or whatever so that they open a mortgage for X amount for the piece of property for the buyer, and directs them to send Y to the old bank so that they close out the previous mortgage, and Z to the agent's account, who then takes their cut, and forwards the remainder to the seller. Is this not how it works in the US?
• grey-area 9y ago
  Monzo is doing pretty much what you describe and are a real bank (in the UK for now, I believe they have plans to launch in the US soon) - they don't have cards per subaccount, but they are api first, which is nice. I agree it's a sector ripe for rebirth - it's an interesting time to be alive - we're living through a revolution comparable in scope to the industrial revolution, and industries like banking, which are primarily about storing and moving information, will be radically altered. Banking is one of the last to be touched.
• colordrops 9y ago
  No need for multiple cards. While we are thinking of ideal scenarios, might as well go with mobile payments.
• IncRnd 9y ago
  > If anyone has any recommendations in the meantime, please let me know! I do this today with my regular bank account that's with a big bank. I can open subaccounts, get cards for them (or student cards for young family members), have automatic transfers setup for the day after my check deposits, etc. All accounts are listed on my account summary page. This works fine for me. As a bonus, there aren't any extra fees for the privilege of giving my bank credentials to a third party.
• greenyouse 9y ago
  Hey, just playing devil's advocate here. Some banks come pretty close to what you're asking for. I go to a small, community bank in flyover country that uses Jack Henry as a SAAS for its online services. Most of the things you asked for are already being offered. > I should be able to partition my money into several lightweight accounts - one for groceries, one for home expenses, investment, etc You can open multiple checking accounts at most banks. I've made partitioned checking accounts like this before. > automatically have fractions of my deposits sent to those accounts so my budgeting and money management are handled without any effort on my part. Money transfers can be scheduled but they're usually by set amounts instead of fractions (e.g. add $100 on the first of the month). I use this myself. > I should have lightweight cards available for each of those accounts with online card management (request/terminate cards, track per-card spending) Should be able to open debit cards for each account but you'll probably need to be in person to request/terminate them. Maybe you could do it over the phone by authenticating yourself, not sure. I haven't heard of per-card tracking but at least you know what you spent on your card. > multiple cards per account so I can give my wife full use of "grocery" card You can tie multiple debit cards to the same account for a husband and wife. Try explaining what you're doing and a banker should set that up for you. > alerts/notifications when I am spending too much in an account/not efficiently allocating the full amount/potentially using a card improperly There are account alerts that can be set up for exactly this. I have it shoot me an email with the alert message when something gets triggered. > financial projections Account history can be downloaded in common formats like csv. There are already tools you could use to create the projection and do fancy data visualization things for yourself. You could scrape your account data periodically using your online banking credentials. Might be dangerous to automate though.
• e2e4 9y ago
  Qapital provides some of the features that you've mentioned: https://www.qapital.com/spending/ https://www.qapital.com/spending/
• kolinko 9y ago
  Quite amazing how backwards US is in this manner. I had an account with exactly this functionality ~18 years ago (sic!) in Poland already. All three bank accounts I have in Poland right now offer that - and I think it's the standard in the mainstream ones.
• mixmastamyk 9y ago
  ANZ does most of this, though you’ll have to set up the logic yourself. Oh and US banking may be too primitive.
• tzs 9y ago
  > For instance, I should be able to partition my money into several lightweight accounts - one for groceries, one for home expenses, investment, etc - and automatically have fractions of my deposits sent to those accounts so my budgeting and money management are handled without any effort on my part. This part probably can reasonably be handled with a spreadsheet at home, so if you can't find a bank that supports it you can still get the benefits. Plus, that handles money that is not at your bank, too. For instance, many people prefer to use specialized firms for investments rather than their bank. For example, an index fund from Vanguard probably has lower fees than a fund using the same index from a bank. > I should have lightweight cards available for each of those accounts with online card management (request/terminate cards, track per-card spending); multiple cards per account so I can give my wife full use of "grocery" card, and alerts/notifications when I am spending too much in an account/not efficiently allocating the full amount/potentially using a card improperly; financial projections; and so on. I can't think of a good way to handle this at home without bank support, at least automatically. You might be able to do something using prepaid reloadable debit cards. E.g., you give your wife a prepaid reloadable debit card specifically for groceries, and you handle loading it from the grocery virtual account.
  • dgzl 9y ago
    I don't agree that managing a spreadsheet to keep track of money folders is reasonable, when we live in the modern day off technology. I too have longed for having custom bank accounts with the strict purpose of keeping certain money separate from other money. My savings account keeps money for several purposes, but anyone looking at it would just see a single sum.
• astura 9y ago
  I mean, most of what you want is already available, the majority of banks allow you to open multiple checking accounts, between my husband and I we have four Navy Federal checking accounts - one for me, two for him (long story why), one joint account. You have to go through the "account opening" procedure, which I guess isn't "lightweight," but it's not difficult or anything. Some banks don't even make you type in your personal information if you are logged in. Then you can get a debit card for each of account and you can set your paycheck to deposited into each account with your company's payroll. Automatic transfers would work too. I do some budgeting per checking account, the joint account is for household bills. Savings is automatically deposited into my investments account too - did that with payroll. Problem is some banks want fees per account or want you to jump through hoops to get the fees waived, but it's possible to get a no fee per account bank. Youd be MUCH better off doing this with separate credit cards rather than separate bank accounts though for many reasons. Credit cards are big on account alerts - not sure if bank accounts really do account alerts, haven't looked into it. Just get a "grocery" credit card and a "fun" credit card, "bills" credit card etc. I, personally, have seventeen (17) credit cards. I have a few other checking accounts with different banks, most of which are opened only temporarily, I churn bank account bonuses.
• branchless 9y ago
  Ripe for rebirth? They broke the law and faced no substantial consequence. And no, a fine isn't substantial. We need a complete overhaul of our society, starting with the banks.
• nicoburns 9y ago
  In he UK there are actually a number of new startup banks (I believe precipitated by a change in regulation which eases the requirements for small banks). My bank starling almost has this feature. It allows you to create "pots" which partition the money. However it is slightly more limited in that you only have one card and can only spend money that is not in a pot. You can however move money between pots instantly using the app (as well as many other useful features such as viewing/changing your PIN, and temporarily blocking/unblocking the card (useful if you lose it, but think you might find it again))
• Spooky23 9y ago
  You can do those things. For sub-accounts, Capital One 360 is the easiest in terms of creating and removing accounts for specific purposes. Most credit unions have this ability as well. I have accounts in two, and they use the same software platform that makes it easy to partition money in the way you describe. The only difference is that opening and closing sub accounts has only recently been available from the web interface. Basically, there is no good reason to ever use a commercial bank, unless you have millions of dollars sitting around or handle a lot of cash and the convenience of a BoA or Wells Fargo has value to you for that purpose. Commercial banks will always be more expensive and less responsive.
• PhasmaFelis 9y ago
  > It's definitely an industry ripe for rebirth. I'm eagerly looking forward to Silicon Valley disrupters getting into banking and, somehow, making it even worse.
• mleonhard 9y ago
  "You Need A Budget" is excellent budgeting software that works like this. You can make separate mini accounts for different types of purchases. It imports transactions from nearly every bank and Venmo. It works on web and mobile. And the company sells subscriptions so you are the customer. https://ynab.com/referral/?ref=RhsyymvEwUvLaJTk https://ynab.com/referral/?ref=RhsyymvEwUvLaJTk (If you sign up with this link then we both get a free month.)