I've been using mint.com for a long time but I've always been uncomfortable with how much information they're collecting on my spending habits.
Tried Microsoft Money last year (an Excel add-in) which -while pretty basic- did its job, but they're unfortunately deprecating that :(. I know there are other paid options (like YNAB) which use the same backend as MS Money (plaid), but I'd much prefer an open source / self hosted solution (like Firefly III) if it supported at least some automatic transaction downloads (Fidelity, Citi, etc.).
I've explored setting up a dedicated email address and using the credit card's alert functionality to send an email for every transaction (> $0.01) but that's finicky as banks change their email format often and it also doesn't always work as advertised.
What other options are available / what do you use?
Thanks!
Just sit down and analyze all your outgoing finances versus income, figure out the average of what you spend per sector per month, figure out where the big purchases are/were/going to be, and then draw some plots. You will clearly see where the money is going, and be able to know how much extra you can spend over time periods.
Of course no bank provides 'downloads' in this format so you have to 'roll your own' converters from what they do provide.
It has the ability to download transactions from your bank and credit card accounts, but I'm not comfortable giving it login privileges. So I keep the paper credit card receipts and enter them manually (I normally don't have a lot of them).
Not FOSS but definitely in the near-indie category so you'd still be sticking it to the man. Works on Linux, Windows, & Mac. Used it for almost 20 years now.
https://www.mechcad.net/product/acemoney-personal-finance-so...
I also tried HomeBank some years ago for a little bit, it was OK but at least at that time it was nowhere near as convenient. YMMV.
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