This made me realize that, besides house services (mortgage, bills), SIM provider and a single website host+domain, I am currently completely subscription free and I think it's something to be proud of. Wow!
this post was submitted on 10 Nov 2023
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Yah, I don't think this app is for you in that case, haha.
Well, except the subscriptions to stay alive (food, water, electrical).
Interesting that people have enough subscriptions that this would be worthwhile
"subscriptions" isnt just entertainment, you know. Rent, mortgage, car insurance, health insurance, other debt or insurance payments, money for your kids, stuff for your pets, and probably countless other options that I cannot think of in this exact moment. There are a lot of things that need regular paying that aren't fun.
While I agree that mortgage is a monthly payment I highly doubt anyone would forget they signed up for it wouldn't know they are paying it. Same with insurance. Bank app handles regular payments. This is more about the small charges that are hard to track.
Is it though? You can perfectly use this tool to keep all your running expenses in check, no matter if they're easy to forget or not. It doesn't hurt to have everything neatly summarized to compare your income against your spending, and evaluate if you need to get rid of any optional subscriptions, for example when your wage or job changes. Knowing all expenses is a vital part of budgeting.
Honestly I don't get the entire concept of spending tracking apps. I believe in the end it just a hobby that some obsessive personality types enjoy with no real value behind it. Saving money is super easy: don't buy things you don't need. What I do is I make a meal plan for the week and only buy things needed to prepare them. I buy basic ingredients like vegetables, rice, chicken, eggs. If I need thinks like shampoo, detergent and stuff I compare the prices in the store and get the cheaper option. How would following all my expenses help me save any meaningful amount of money? For me you either don't care about money and just buy everything you like or you simply make sure you don't buy things you don't need. Why would you need an app for that?
And going back to your example, I can cover all this with really simple spreadsheet. Monthly expenses: mortgage, car, spotify, netflix, insurance, VPS, bills, food... Why would I need an app for that? I think there could be some use in an app that specifically tracks entertainment subscriptions. I could have centralized info about current prices and free periods so you would just have to tell it when you signed up and for what plan and it could tell you when the next payment will be and what it will be. Still not very useful but IMHO way more useful than an app that tells you what's your mortgage.
Well no shit
I mean streaming services alone would take a big hit if you like to have multiple. Then you have Cloud Storage , Gaming Subs (Playstation, Xbox, Nintendo), Music, Online Backups, etc.
It sucks but you end up with plenty quickly
I've been managing to dodge them and use free alternarives
Oh yeah sure. I do the same, well except some offers that were half price... and one had credit card cashback with my bank on top of that and they will last until they are too expensive. Or my deal with my work data plan that included Disney+.
That's neat....
^I ^am ^scared....
This looks awesome, it would be cool if you could integrate with Home Assistant and Ntfy.sh, both widely popular among self-hosters.
I tried it. If I count everything I pay periodically (more bills than subscriptions) I get to 13 things, and the monthly total was slightly higher than I thought due to yearly stuff like school.
Maybe it's just not for me. I'm not big on budgeting (I only really budget things that don't fit in last month's wage) . Used to do YNAB for about two years (the offline version you could buy on Steam) a lot of work for no benefit.
Even if you do properly budget, I don't see the value of this over using a spreadsheet.
Just deployed the container. This is truly amazing, I think I was missing that without actually knowing. It is and will be veeeery useful for me. Looks like there is a problem converting PHP to another currency atm but I guess it's fixer.io side.
Income to savings account and pay everything with card account, that way you move your spending money instead of income money. Huge psychological effect.