I’ve been fiddling around with making a money management app for some time now. I wrote an eBucks calculator in Python to make sure that FNB wasn’t screwing me out of my rewards because I got tired of guesstimating the amount I should get. This was juuust before they released their own nifty calculator on the website.
Nevertheless, the exercise was good (my algorithm was spot on), as it serves as a backup check for me in case I get suspicious (which is all the time). Of course, two weeks ago I threw all my code out and started over because I’m sure I can implement the algorithm in a different way.
The reason I decided to create my own app is because, for years, I would track my spending in a spreadsheet on an ad hoc basis. I never spent enough for it to be a major issue. Last year, in preparation for all the big changes, my spending/saving habits changed/increased, and I had to include another person’s money habits as well.
I started using 22seven to track my (and now our) spending habits, and it has helped substantially. We went into financial lockdown last year to save as much as we could. Case in point: we spent the same amount on Eating Out and Takeouts in the first quarter of 2016 as we did for the whole of 2015.
This happened because not only did we virtually stop going out last year, but my husband moved into the house on his own, there was no time to cook because he was doing shifts as part of his training for the new job, and when I saw him on the weekend we didn’t want to hang around at my parents’ house.
The point is, I felt like I had to make my own app because though 22seven could track my transactions, I felt like the budget/spending plan side of it was not working for me. Also, it’s fun.