Personal Finance Apps

I (relatively) recently went down the rabbit hole of trying out personal finance apps to help get a better grip on, well, the things you’d expect (personal finances and planning around them).

In the past, I’ve had an off-again-on-again relationship with GNUCash. I did give it a solid go for a few months in 2004/2005 it seems (I found my old files) and I even had the OFX exports of transactions for a limited amount of time for a limited number of bank accounts! Amazingly, there’s a GNUCash port to macOS, and it’ll happily open up this file from what is alarmingly close to 20 years ago.

Back in those times, running Linux on the desktop was even more of an adventure than it has been since then, and I always found GNUCash to be strange (possibly a theme with me and personal finance software), but generally fine. It doesn’t seem to have changed a great deal in the years since. You still have to manually import data from your bank unless you happen to be lucky enough to live in the very limited number of places where there’s some kind of automation for it.

So, going back to GNUCash was an option. But I wanted to survey the land of what was available, and if it was possible to exchange money for convenience. I am not big on the motivation to go and spend a lot of time on this kind of thing anyway, so it had to be easy for me to do so.

For my requirements, I basically had:

  • Support multiple currencies
  • Be able to import data from my banks, even if manually
  • Some kind of reporting and planning tools
  • Be easy enough to use for me, and not leave me struggling with unknown concepts
  • The ability to export data. No vendor lock-in

I viewed a mobile app (iOS) as a Nice to Have rather than essential. Given that, my shortlist was:

GNUCash

I’ve used it before, its web site at https://www.gnucash.org/ looks much the same as it always has. It’s Free and Open Source Software, and is thus well aligned with my values, and that’s a big step towards not having vendor lock-in.

I honestly could probably make it work. I wish it had the ability to import transactions from banks for anywhere I have ever lived or banked with. I also wish the UI got to be a bit more consistent and modern, and even remotely Mac like on the Mac version.

Honestly, if the deal was that a web service would pull bank transactions in exchange for ~$10/month and also fund GNUCash development… I’d struggle to say no.

Quicken

Here’s an option that has been around forever – https://www.quicken.com/ – and one that I figured I should solidly look at. It’s actually one I even spent money on…. before requesting a refund. It’s Import/Export is so broken it’s an insult to broken software everywhere.

Did you know that Quicken doesn’t import the Quicken Interchange Format (QIF), and hasn’t since 2005?

Me, incredulously, when trying out quicken

I don’t understand why you wouldn’t support as many as possible formats that banks export your transaction data as. It cannot possibly be that hard to parse these things, nor can it possibly be code that requires a lot of maintenance.

This basically meant that I couldn’t import data from my Australian Banks. Urgh. This alone ruled it out.

It really didn’t build confidence in ever getting my data out. At every turn it seemed to be really keen on locking you into Quicken rather than having a good experience all-up.

Moneywiz

This one was new to me – https://www.wiz.money/ – and had a fancy URL and everything. I spent a bunch of time trying MoneyWiz, and I concluded that it is pretty, but buggy. I had managed to create a report where it said I’d earned $0, but you click into it, and then it gives actual numbers. Not being self consistent and getting the numbers wrong, when this is literally the only function of said app (to get the numbers right), took this out of the running.

It did sync from my US and Australian banks though, so points there.

Intuit Mint

Intuit used to own Quicken until it sold it to H.I.G. Capital in 2016 (according to Wikipedia). I have no idea if that has had an impact as to the feature set / usability of Quicken, but they now have this Cloud-only product called Mint.

The big issue I had with Mint was that there didn’t seem to be any way to get your data out of it. It seemed to exemplify vendor lock-in. This seems to have changed a bit since I was originally looking, which is good (maybe I just couldn’t find it?). But with the cloud-only approach I wasn’t hugely comfortable with having everything there. It also seemed to be lacking a few features that I was begging to find useful in other places.

It is the only product that links with the Apple Card though. No idea why that is the case.

The price tag of $0 was pretty unbeatable, which does make me wonder where the money is made from to fund its development and maintenance. My guess is that it’s through commission on the various financial products advertised through it, and I dearly hope it is not through selling data on its users (I have no reason to believe it is, there’s just the popular habit of companies doing this).

Banktivity

This is what I’ve settled on. It seemed to be easy enough for me to figure out how to use, sync with an iPhone App, be a reasonable price, and be able to import and sync things from accounts that I have. Oddly enough, nothing can connect and pull things from the Apple Card – which is really weird. That isn’t a Banktivity thing though, that’s just universal (except for Intuit’s Mint).

I’ve been using it for a bit more than a year now, and am still pretty happy. I wish there was the ability to attach a PDF of a statement to the Statement that you reconcile. I wish I could better tune the auto match/classification rules, and a few other relatively minor things.

libeatmydata v129

Every so often, I release a new libeatmydata. This has not happened for a long time. This is just some bug fixes, most of which have been in the Debian package for some time, I’ve just been lazy and not sat down and merged them.

git clone https://github.com/stewartsmith/libeatmydata.git

Download the source tarball from here: libeatmydata-129.tar.gz and GPG signature: libeatmydata-129.tar.gz.asc from my GPG key.

Or, feel free to grab some Fedora RPMs:

Releases published also in the usual places:

Microsoft Chicago – retro in qemu!

So, way back when (sometime in the early 1990s) there was Windows 3.11 and times were… for Workgroups. There was this Windows NT thing, this OS/2 thing and something brewing at Microsoft to attempt to make the PC less… well, bloody awful for a user.

Again, thanks to abandonware sites, it’s possible now to try out very early builds of Microsoft Chicago – what would become Windows 95. With the earliest build I could find (build 56), I set to work. The installer worked from an existing Windows 3.11 install.

I ended up using full system emulation rather than normal qemu later on, as things, well, booted in full emulation and didn’t otherwise (I was building from qemu master… so it could have actually been a bug fix).

chicago-launch-setupMmmm… Windows 3.11 File Manager, the fact that I can still use this is a testament to something, possibly too much time with Windows 3.11.

chicago-welcome-setupchicago-setupUnfortunately, I didn’t have the Plus Pack components (remember Microsoft Plus! ?- yes, the exclamation mark was part of the product, it was the 1990s.) and I’m not sure if they even would have existed back then (but the installer did ask).

chicago-install-dirObviously if you were testing Chicago, you probably did not want to upgrade your working Windows install if this was a computer you at all cared about. I installed into C:\CHICAGO because, well – how could I not!

chicago-installingThe installation went fairly quickly – after all, this isn’t a real 386 PC and it doesn’t have of-the-era disks – everything was likely just in the linux page cache.

chicago-install-networkI didn’t really try to get network going, it may not have been fully baked in this build, or maybe just not really baked in this copy of it, but the installer there looks a bit familiar, but not like the Windows 95 one – maybe more like NT 3.1/3.51 ?

But at the end… it installed and it was time to reboot into Chicago:
chicago-bootSo… this is what Windows 95 looked like during development back in July 1993 – nearly exactly two years before release. There’s some Windows logos that appear/disappear around the place, which are arguably much cooler than the eventual Windows 95 boot screen animation. The first boot experience was kind of interesting too:
Screenshot from 2016-08-07 20-57-00Luckily, there was nothing restricting the beta site ID or anything. I just entered the number 1, and was then told it needed to be 6 digits – so beta site ID 123456 it is! The desktop is obviously different both from Windows 3.x and what ended up in Windows 95.

Screenshot from 2016-08-07 20-57-48Those who remember Windows 3.1 may remember Dr Watson as an actual thing you could run, but it was part of the whole diagnostics infrastructure in Windows, and here (as you can see), it runs by default. More odd is the “Switch To Chicago” task (which does nothing if opened) and “Tracker”. My guess is that the “Switch to Chicago” is the product of some internal thing for launching the new UI. I have no ideawhat the “Tracker” is, but I think I found a clue in the “Find File” app:

Screenshot from 2016-08-13 14-10-10Not only can you search with regular expressions, but there’s “Containing text”, could it be indexing? No, it totally isn’t. It’s all about tracking/reporting problems:

Screenshot from 2016-08-13 14-15-19Well, that wasn’t as exciting as I was hoping for (after all, weren’t there interesting database like file systems being researched at Microsoft in the early 1990s?). It’s about here I should show the obligatory About box:
Screenshot from 2016-08-07 20-58-10It’s… not polished, and there’s certainly that feel throughout the OS, it’s not yet polished – and two years from release: that’s likely fair enough. Speaking of not perfect:

Screenshot from 2016-08-07 20-59-03When something does crash, it asks you to describe what went wrong, i.e. provide a Clue for Dr. Watson:

Screenshot from 2016-08-13 12-09-22

But, most importantly, Solitaire is present! You can browse the Programs folder and head into Games and play it! One odd tihng is that applications have two >> at the end, and there’s a “Parent Folder” entry too.

Screenshot from 2016-08-13 12-01-24Solitair itself? Just as I remember.

Screenshot from 2016-08-07 21-21-27Notably, what is missing is anything like the Start menu, which is probably the key UI element introduced in Windows 95 that’s still with us today. Instead, you have this:

Screenshot from 2016-08-13 11-55-15That’s about the least exciting Windows menu possible. There’s the eye menu too, which is this:

Screenshot from 2016-08-13 11-56-12More unfinished things are found in the “File cabinet”, such as properties for anything:
Screenshot from 2016-08-13 12-02-00But let’s jump into Control Panels, which I managed to get to by heading to C:\CHICAGO\Control.sys – which isn’t exactly obvious, but I think you can find it through Programs as well.Screenshot from 2016-08-13 12-02-41Screenshot from 2016-08-13 12-05-40The “Window Metrics” application is really interesting! It’s obvious that the UI was not solidified yet, that there was a lot of experimenting to do. This application lets you change all sorts of things about the UI:

Screenshot from 2016-08-13 12-05-57My guess is that this was used a lot internally to twiddle things to see what worked well.

Another unfinished thing? That familiar Properties for My Computer, which is actually “Advanced System Features” in the control panel, and from the [Sample Information] at the bottom left, it looks like we may not be getting information about the machine it’s running on.

Screenshot from 2016-08-13 12-06-39

You do get some information in the System control panel, but a lot of it is unfinished. It seems as if Microsoft was experimenting with a few ways to express information and modify settings.

Screenshot from 2016-08-13 12-07-13But check out this awesome picture of a hard disk for Virtual Memory:

Screenshot from 2016-08-13 12-07-47The presence of the 386 Enhanced control panel shows how close this build still was to Windows 3.1:

Screenshot from 2016-08-13 12-08-08At the same time, we see hints of things going 32 bit – check out the fact that we have both Clock and Clock32! Notepad, in its transition to 32bit, even dropped the pad and is just Note32!

Screenshot from 2016-08-13 12-11-10Well, that’s enough for today, time to shut down the machine:
Screenshot from 2016-08-13 12-15-45