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Topics - jeremiahsvow

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Off-topic / Just in case you missed it.... the world changed last night!
« on: November 03, 2016, 09:59:38 AM »
parrot parrot parrot parrot parrot parrot parrot parrot parrot parrot parrot parrot parrot

Flying the W.
Go Cubs Go!


2
Feature Requests / "Buffer" Wizard
« on: November 02, 2016, 01:52:00 PM »
Some thoughts and questions on the subject. I am as interested in the discussion as on the possibility of a feature.

I have been working on getting buffered for a couple of years. But it has not happened because of changes in income, location, and simply wrapping my mind around the fact that I am the master of my financial serfs (aka. dollars). They were running the roost for a long time.

I remember some of the LONG conversations about what it means to be buffered/living on last months income, yada yada yada, over at the YNAB forums. I don't want to rehash all that. The difference between an administrative buffer and the other one (whatever it was called).

The bottom line for me, when I got it (or at least what I thought I was supposed to get), was that I should have enough money on hand cover this month's bills AND next months. One big pot of money. This is how I thought about the buffer. I may be wrong in my description of this. Which is fine. How this needs to be described can be discussed.

So my two questions are this.

1. Would this even be possible?
2. Would it be worth it?

The idea I have in my brain is this. The wizard would ask

  • Total/average for bills in a calendar month.
  • Total/average of income in a calendar month.
  • How much money do you have available to get ahead?
  • How many months would you like to be able to budget? (at least two)

Then some math happens and you are given an amount to save each month and the number of months/years it will take to get buffered. The wizard can be repeated as different choices are made. The second time, the wizard can take the average from your budget for you and then you can make manual changes to all or just the last two on the list above.

I know this may not be used after the buffer is in place, but it may still be used for goal setting on other projects/goals/funds.

Ok. I may have bitten off more than I can chew with this one. LOL

3
Investing / Popular Direct Savings Account with 1.26% APY
« on: November 02, 2016, 09:55:57 AM »
I am on this kick of trying to find the best savings account. I found this one last night. I remember from my time living in Puerto Rico that Banco Popular (the parent company) was a reputable bank.

I am still new at this whole evaluation thing. So, is there something that I am missing here? It looks good to me, but.... could use some help assessing this one. Here's the link.

Thanks in advance.


4
Investing / Looking for better Savings Account(s)
« on: October 31, 2016, 02:51:08 PM »
I have been looking for better savings accounts to hold my emergency fund funds. I have looked at Ally.com and Capital One 360 primarily.

After looking at them, Ally has 1% APY regardless of balance. Definitely better than what I am getting now.

Anybody have either of these (or others)? Thoughts and recommendations?

5
Feedback / Thank you Alex!
« on: October 27, 2016, 07:33:21 PM »
@Alex, I just wanted to take a minute and say thanks for two things. First, thanks for taking on this ambitious project. I know that there are a few folks who have been looking for a solid budgeting app that is customizable to our individual needs. One that is broad enough and flexible enough to handle all kinds of budgeting needs and use cases. You are building something fits that--simply amazing! The way that you are progressing and keeping this growing community up-to-date is simply remarkable. I do not know how you are doing it, but it's just awesome to be a witness to it.

Second, I wanted to say thank you for letting us in on this. You are doing a lot of the heavy lifting, but I appreciate you taking the time to interact with us on this forum and the other outlets you are using, it is really awesome. I wish I could code and do all the techy stuff you are doing and help out in that area but since I can't I'll just thank you for doing it.

I'll keep tinkering with my budget and interacting here on the forum. I am checking it regularly. It has become a part of my daily routine. (Something I had stopped doing because of different reasons in another forum.)

Anyway... thanks!

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Feature Requests / Household/Sharing Budgets
« on: October 25, 2016, 09:31:08 PM »
I am not sure how to ask this, or if it's been asked somewhere else, so...

Will there be a way to share a budget with family members? Or is the idea to share an account? Want to be able to have the most up to date info in real time. Thanks.

7
Other / Does Financier have a budgeting/finances Philosophy?
« on: October 25, 2016, 03:32:04 PM »
I was just curious. I know there are several budgeting software sites that have a software/app and a philosophy for how to use it best. I was just wondering if Financier also had this or if it was just focusing on the app, leaving the how up to the user. I get the zero-based budgeting/envelope system ideas, but are there any others?

I am not looking for another money guru. I think I'm over the "I know what you should do with your money" mentality  ::). That being said, I want to keep learning, and am open to new ideas and ways of doing things.

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Introductions / Here's hoping for good things... and even better things.
« on: October 25, 2016, 02:18:11 PM »
I have been a YNABer for about 4 years. Love(d) the software and was hopeful for the future. But, that was not to be the case.

One of the reasons I have come over to the Financier Forum is that I want to get back to just budgeting and learning about doing my finances better. Have not felt much at home in other forums.

Thanks to Alex for putting in the work and producing a great product. I will be trying things out over the next few days and weeks.

I don't know much about programming but I am looking forward to the ride as Financier continues to develop and grow! :)

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