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Budgeting tools

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Software

On the advice of many friends, I tried to use You Need A Budget. I gave it a seriously long, proper evaluation: over a year. But I just couldn't get it to work for me. I don't want to try and explain why. To be honest, those same friends who advocated for it fairly strongly, also gave me a pretty hard time for giving up on it!

[...]

Jimmy Kaplowitz suggested back in 2012 that I should take a look at GNUCash. It took me a few more years before I did. The eventual trigger point for me was organising an event where I paid for a load of things on behalf of others and needed to track who had paid me back. It excelled for that.

I've continued to use GNUCash to manage my personal money &emdash that is, my "play money" and anything I've accumulated &emdash but I haven't committed to it for my family finances. Practically speaking that would lock my wife out of them, which wouldn't be fair. But also because GNUCash's shortcomings (and despite its strengths, it certainly has some) mean that I don't expect I will be using it into the indefinite future, even for my personal stuff.

The most significant drawback, in my opinion, is GNUCash's support for scripting. Sometimes, there's a laborious but easily-mechanisable (in theory) task I need to perform that would be ideal to script. GNUCash has built-in scripting support using Guile &emdash the GNU lisp/scheme dialect &emdash but this is limited to Reports only, I don't think it can be used for a task such as "match a series of transactions using one or more filters or regular expressions, and apply a transformation to them, such as change the account to which they are posted", etc.

It also has a C library and auto-generated bindings for other languages. This has a horrible API, which is carried over into the language bindings. Documentation for the whole lot is basically non-existent too.

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