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u/anton_cat 2 weeks ago

My salary looked fully spendable on day 1, it wasn't, so I built an app to fix that

Every month it was the same thing. Paycheck hits, say $2,500. I'd look at that and think, okay, $2,500 I can spend. Except it wasn't, because rent, wifi, a couple subscriptions, gas, groceries, a small loan payment, all of that was already spoken for. It just hadn't left my account yet. So I'd spend like the whole thing was free money, and then two weeks later a bill would hit and I'd be short, wondering where it all went. Nothing went anywhere. I just never subtracted it in my head to begin with. So I built an app around this. You set up your recurring bills once, autopays, EMIs, subscriptions, whatever you've got, and pick how often each one repeats, monthly, every 3 months, every 6 months, yearly. It reminds you before each one is due so nothing sneaks past you. The part that actually changed things for me is there's a "set aside" step. As soon as you get paid, you mark a bill as set aside, and that amount comes out of your "still to pay" total right then, not when the bill actually hits. Once it's actually paid, you mark that too. The app just shows you what's due this month and what's left once everything's accounted for, so you get an honest number for what's actually yours to spend versus what's already claimed. No bank connection, no server, doesn't sync with your account or pull your balance. You just tell it what you owe; everything stays on the phone. Free to try up to 5 bills, which is sufficient for most. After that, it is just $2 a month. I'll drop the link in the comments for anyone who wants to look at it. Mostly curious if this happens to other people too, or if it's just been a me problem this whole time.
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  1. u/[deleted] 1 2 weeks ago

    [removed] — already gone when the archive first saw it