What is Reddit's opinion of Money Dashboard?

From 3.5 billion Reddit comments

The US budget as a pie chart might be useful to you.

The equivalent for the UK is probably also useful.

Also something to note, is that a lot of government in the US is done at levels other than at a federal level. Only around 55% of money is spent at that level, the rest is spent in roughly equal percentages at the local and state level.

If use a 3rd party management app like https://www.moneydashboard.com/ , it has an option to export all transactions to Excel. You can probably add your existing bank accounts, but I don't know how much of historical transactions it pulls in or if it has all the details you're looking for.

I use https://www.buxfer.com/ previously used https://www.moneydashboard.com/ which is similar but I prefer Buxfer's UI.

Note that the downside to these services is that you need to hand over your bank login details, as they work by logging in as you and downloading your transactions. Not really a problem for me since I'm with Natwest and you pretty much have to use the calculator to verify the majority of actions on their online banking services.

there is a website called money dashboard (i found out about it via BBC Click) that you can link all your accounts from loads of different banks (possibly credit cards, im not sure i dont have any). It also has an app in the play store

Website link

play store link

Try MoneyDashboard. You can sync you and your girlfriend's bank accounts to the site and break down what you're over spending on, set budgets etc. It's really good. Don't know how I managed before it.

I've been using Money dashboard. It's pretty good. My only issue is that because my main account is with nationwide and they require you to use the chip and pin machine it can't get to that data without me going in and authorising manually. My other account with Lloyds is processed automatically.

I don't really think that Mint.com is the best way to deal with financial problems. Mint provides an overview of what you have spent ("you spent $100 on food this month") but that doesn't deal with how or why you spent that money. Have you instead considered something like You Need a Budget that will provide you the tools and understanding (through their method) to handle your finances well? Personally I think the manual entry part of YNAB is part of its value, it forces you to go through every transaction you make, you can't let it run on autopilot.

Anyway, if you're still interested in the Mint idea check out Money Dashboard. The UK equivalent of Mint near enough, but be aware that by giving access to your bank accounts you are often breaching your banks Terms of Service, meaning (heaven forbid!) your account is compromised you may lose the protections your bank offers you. That said it's a very small possibility, but it's important to keep that in mind because these services log into your bank account (rather than using some form of API).

>To put my emergency fund somewhere that is instant access, that I can build up to 10 or 15k before saving elsewhere

You can use a regular saver for this, or multiple regular savers. Just confirm what the withdrawal rules are, many of them allow withdrawals.

Then there are the Bank of Scotland accounts x3 at 2%, or Tesco Current Account at 3%.

You have many ways of doing this if you want to maximize interest https://www.bankaccountsavings.co.uk/

>because I'm not earning enough interest for it to matter too much

Nonsense! The habit is more important than the interest... go get maximizing. £100 or £100B.

>As much as possible to manage everything online/through an app, bonus points if I can see more than one account in one place

https://www.moneydashboard.com/

> >Not into continuous switching/super high numbers of accounts but will consider any option that is particularly easy!

>Location of emergency fund - Post Office or one of those with an "OK" rate at the moment? I really want one that I can have separate, build up, and with minimal requirements to get an OK rate

I should have read the above first.

Bank Of Cyprus would seem to be your thing - 1.28%

https://www.moneysavingexpert.com/savings/savings-accounts-best-interest

How about the various SaaS style offerings out there?

• https://www.ontrees.com/ - from MoneySuperMarket (free)
• https://www.moneydashboard.com/ - (free)
• https://www.pocketsmith.com/ - (free/paid if you want live bank feeds)

I've found all of these really useful, I know some people are wary of the automated bank feed size but they are seem reputable outfits.

Based on what you say about looking back at charts to see where you've spend your money, these do exactly that and completely automated (if you want, you can do manual imports etc)

I use moneydashboard which hasn't been mentioned.

It's a free site/mobile app that links in with your online banking for automatically categorise your spend. Not sure if it's the same as YNAB for reaching a savings goal but certainly gives you a better idea of flow and predicted balance at the end of the month.

Thanks for replying publicly, I appreciate that.

But I think you haven't answered my main concern sufficiently. There's a disconnect between what you're saying here (banks can't pass on their guarantee... irresponsibly) and what you say in your T&C (TO THE EXTENT PERMITTED BY LAW, WE SHALL NOT BE RESPONSIBLE OR LIABLE TO YOU OR TO ANY THIRD PARTY).

The fact that we share frustration here is true, but irrelevant. The fact that you claim in a random Reddit posts that "giving your password to us is not irresponsible", well, I think that's misleading on your part, but anyway, it's irrelevant. Your reviews are irrelevant. Your security is irrelevant. The only thing that's relevant is that my banks T&C say not to share my credentials, and your T&C say that if anything bad happens to me, you're out of the game.

And of course you'd be out of the game. You're a startup, you don't have the financial backing that Barclays have in their left pinky. What I'm getting from Barclays isn't security, it's legal responsibility and regulation backed trust. All Barclays care about (after making money) is not to lose customer trust. That's all a bank has. All you guys care about (after making money) is to get enough users to convince investors to support your funding round before your current stash of VC money runs out.

So yeah, I'll keep following my bank's T&C for now. If there's something an ordinary person can do to support FDATA, I'd be happy to help.

I've been using Money Dashboard since December and it has completely revolutionised my finances. Balance trends, an interactive calendar and auto-tagged transactions linked up with your bank account are excellent and easy to use. It also has a pretty nifty Android app to use on the go. Give it a try!

Why do you think that? Almost all of these services fetch data without permission and a large number of banks have it explicitly listed in their terms of service that if someone uses a service like this and their account is compromised then they're on their own. Some banks do expose customer data via a management service (I believe it's Yodlee, but don't quote me on that) but most do not.

Read the Money Dashboard FAQ: https://www.moneydashboard.com/faq

If you're a Natwest customer you can prove that they just login to your account by doing the following:

1. Sign up for a Money Dashboard account
2. Enter your actual account number
3. Enter a fictional password
4. Click submit
5. Wait 2 minutes
6. Visit natwest online banking and try to login with your account number:

> SECURITY MESSAGE - PLEASE READ CAREFULLY For security reasons access to your Online Banking service has been restricted for 10 minutes. This is because your accounts may have been accessed from two different devices (a PC, Laptop, Tablet or Mobile), within a short period of time.

This is the best one: https://www.moneydashboard.com/ totally free

I have already reduced my spending significantly just by having a better view of things (cutting Uber, streaming services, takeaways, mobile phone bills).

You'd want something new like a wealth dashboard. https://www.moneydashboard.com/ as an example, not a suggestion.

These would then need to be authorised to talk to all of your banks/platforms (if they can), and they'd summarise for you.

I've not seen one that'll calculate tax burdens though, it's mainly for budgetting.

Really your best bet is likely to just move your Excel process to something online that might have some extra bells and whistles and inbuilt functions you can use.

Thanks op.

Free £4 Amazon voucher with Money Dashboard + £4 Amazon voucher each time you invite your friend. NO purchase or deposit needed.

Get £4 Amazon Voucher when you sign up to Money Dashboard.

Money Dashboard is a neat app that lets you monitor your money across multiple bank accounts and services through the secure Open Banking service.

Steps:

1. Use <strong>my Money Dashboard referral</strong>
2. download the app (Google or Apple Store)
3. link a bank account

You will get a voucher via email within 5-7 days.

You can then refer people yourself, so you and them will each receive a £4 Amazon voucher when they sign up!

non-referral (no Amazon voucher)

I'd be grateful if someone signs up using my referral! Signup is straight forward and won't take more than a few minutes if that!

yes, normally through funding rounds from companies that I use. After being burnt by investing a lot in a start-up that I worked at I keep this funding low and consider it a satellite fund to my main passive tracker funds. It is a low amount because I don't expect a return.

I currently own shares in:

• Brewdog to get a 10% discount
• Secret cinema to get early access
• Moneydashboard as I want the company to succeed,

All these were via emails they sent out, Moneydashbord used Crowdcube to host its funding so I did look through that for options and none have stuck out to me.

I did have shares in:

• A restaurant chain that failed where my wife worked, I was lucky enough to get the principle back,
• 3 theatre productions where 2 were profitable but the 3 was not, I did break even
• The start-up I worked at where I lost £50k.

I've just done the maths and 0.005% of my current portfolio is in these "for fun" satellite funds, I thought it was higher and remember when it was 20% but it turns out it was too risky for me.

Take a look at Money Dashboard: https://www.moneydashboard.com/

They are registered with the FCA and are completely free - historically I've found them to support more banks/services than Emma (although that has started to change over time with the removal of legacy login support for the banks that don't support Open Banking such as Post Office Savings).

You can see the services they support here: https://www.moneydashboard.com/supported-banks If a service isn't supported but does support Open Banking, you can email them to ask if they'll the able to add support (according to their FAQ, unsure on what the likeliness of this is).

I used a thing called money dashboard a while ago, that hooks up to your bank accounts and categorises all your spending, it also lets you set budgets for different things and shows your progress against them. Might be useful if Something like Monzo is out for whatever reason.

Personally I find it much easier to stick to budgets if my transactions are all cashless because they’re easier to categorise and see where they went.

Edit: link https://www.moneydashboard.com/

This isn’t cash, but maybe you could trade it for cash with a friend, or at least buy yourself something nice to cheer yourself up!

Get a free £4 Amazon voucher within about 4 or 5 days when you sign up to Money Dashboard via my link and add at least one bank account through open banking.

Money Dashboard is a fantastic app that lets you monitor your money across multiple bank accounts and services through the secure Open Banking service.

Referral link: https://refer.moneydashboard.com/dannunn

Non-referral link: https://www.moneydashboard.com

I use Money Dashboard. Brings in all your spending (except cash, not sure if you can input transactions manually, maybe) to one place. You can set budgets etc. I like it and they are regularly updating it

Incredibly difficult to get users to pay for this type of thing. Fintech is hard full-stop. Probably your best options are ones where you don't try and charge users at all but make your money in other ways e.g. Sell the data (that's how these guys make their money https://www.moneydashboard.com) or sell the app/service to large FS companies. If you need someone to bounce ideas off, reach out, I've worked in this sector for 20+ years.

I’d suggest something like Monzo where you can have weekly pots of money that you spend discretionary money from.

You can also silo money for bills, groceries and rent to help you be more disciplined. Certainly has helped me organise my money!

If you do t watch to switch bank accounts, I would highly recommend something like https://www.moneydashboard.com

Hope this helps! Best of luck!

You could try Money Dashboard - not an app but you can link your bank accounts with it, provided your bank supports the APIs which a lot of the big ones do.

You can set planned expenses to forecast and add non-active accounts as well (such as investment accounts) where you’ll need to manually update the values.

On another point: A big plus with Google Sheets is you can link it to other apps.

I personally use a combination of Money Dashboard and an app called Notion, check out r/Notion I’m Notion you can set up an account for free and then link your google docs. Notion allows you to essentially build a data base how you like and there are templates to use when you first start out.

Good luck 💷🤓

Money Dashboard is just one of the new apps for Open Banking - https://www.moneydashboard.com. Just be sure when adding accounts that you're selecting the Open Banking API option as otherwise it'll ask for all your login details and that's something you should never do in my opinion (and probably violates your terms and conditions with the bank). Most banks through their apps will also let you add another banks accounts to their app now too through the API. Normally you'll approve the link through the app for your bank or via their website - you can revoke the link at any time.

Go for MoneyDashboard, AFAIK, theres no premium membership, and you can add manual integrations easily.

Ref Link - Gives you and me 10 'member shares', which allow to own a percentage of the company if they ever sell it. Non-ref

You haven't heard of negative interest rate loans? :D

https://www.moneydashboard.com/blog/how-negative-interest-rates-impact-your-money

Same issue OP has with Yolt will effect MDB from today. https://www.moneydashboard.com/blog/open-banking-update

I don't have AMEX but I do have Marcus so that will no longer work for me as its not a supported, in development or backlog bank

https://www.moneydashboard.com/supported-banks

I can live with it but its a shame

Doesn't alter my position that setting the same deadline for the third party and the first party when one is dependant on the other is unfair, I would give the TTPs an additional 3 months because if the banks do a sloppy implementation of their OB API it could take that long to sort it out.

I'm happy that MDB has made the progress it has based on its supported bank list. I see Amex is on the in-development list and it seems to be one of the larger institutions remaining. I assume there is a reason its been delayed and its a shame OP is effected but considering the progress made elsewhere I'm going to suggest its joint responsibility.

I posted about this before, it's a great app and way of managing multiple bank accounts. Really handy if you have a few accounts from switching and opening for bonuses.

Use my code if you fancy :)

https://share.moneydashboard.com/XK4MW2Q1 - ref

https://www.moneydashboard.com/ non-ref

This website is absolutely mint too as you can keep track of your incomings Vs outgoings:

https://www.moneydashboard.com/

It'll be a great way to just work out what's happening in your accounts and it's made me genuinely enjoy looking at my finances!

Also you're never too young to get a financial advisor!

Yes, I’ve got multiple credit cards alongside both current accounts and savings accounts. Here’s info on supported banks: https://www.moneydashboard.com/supported-banks, with info on planned links currently in development.

Moneydashboard has support for coinbase. They're quickly adding lots of different providers.

https://www.moneydashboard.com/supported-banks

Doesn't have Vanguard yet.. but, maybe you could request it using their form in the link above.

I've never used Yolt before, but I assume it's pretty much the same as MD.

They say

> Money Dashboard provides insight and market research services to help companies better understand trends in consumer behaviour. We identify shifts in consumer preferences using anonymised spending information from groups of Money Dashboard users.

> We guarantee that Money Dashboard will never share any personally identifiable data with a third party without our users' express permission.

> Money Dashboard may offer suggestions for products and services like credit cards, home loan offers or insurance providers that can save you money. If you select a product based on our suggestion, Money Dashboard may receive a fee from the product provider.

So, they sell your (aggregate) data and take commission if you sign up for a financial product through them.

There are some in the UK but I would recommend thinking very carefully before signing up to one. We don't have some of the same tech that's quite common with US banks so you will be handing over your banking login details to someone else. Absolutely anything that you can do with those login details, they could do to. Your bank quite probably has things in their terms and conditions saying not to hand out all your login details to third parties, so you possibly won't be covered if there's fraud. And not just fraud, what if their screen scraping software hits the wrong button & cancels one of your direct debits, etc?

Personally I'm shocked anyone would do this at all.

https://www.moneydashboard.com/

Theres hundreds of fantastic phone apps and websites that let you maange finances, most are free, many can even sync up with your bank acct, paypal and other automation.

https://www.ontrees.com/ is fantastic, so is https://www.moneydashboard.com/ both should work in UK

You might want to try out https://www.moneydashboard.com/ and the wiki on budgeting http://www.reddit.com/r/personalfinance/wiki/budgeting

If you can post a breakdown of your expenses, people can better tell you how to cut them. Do you rent or pay phone/utility bills?

We sacrifice everything else :P

I used to buy the new shiny thing every time something it came out (Seriously, I would kill someone for a Moto360 right now) and had a couple of subscriptions to netflix and such. I've recently cut the latter along with my VPN subscription and stopped doing the former a little while ago and setup a budget (The UK Equivalent of what I use would be Money Dashboard)

Since the start of august the only tech I bought are a battery for my phone, a set of headphones because my old ones died and a Surface pro for my uni work. I haven't even opened steam in 2 months

I currently don't have a car which is murder considering my DZ (which is the closest one) is 35km away into farming country, I'm doing part time uni, part time job work, part time traineeship and looking at taking up video editing at the DZ every other weekend to give the one lone editor a break... and I still probably wont be able to afford second hand rig (3,000 pounds directly in exchange) by the new year. Which will kinda be killing me slowly with gear rental :(