For my own personal finance, I budget & manage my money with Monzo (UK/US) & N26 (EU).
I keep a minimum of 3,000 euro on the account at any time (to cover emergency spending). The rest I invest into stocks/ETFs and ideas that interest me. I also support open source projects & people I love.
I use YNAB methodology to somewhat manage my spending but not proactively. I try to be mindful with my spending at all times and try to never disregard spending on quality healthy food and essentials for my well being. Both N26 & Monzo track spending into categories and do a good job of it.
I use Bobby iOS app to track my ongoing subscriptions. I review it monthly as part of my finance check up.
I use 2Do to track what things I want to buy next. These are just tasks with buy tag in 2Do sorted by priority. Here is how it looks:
- FI is possible everywhere. The idea stays the same, save more than you spend, try generate passive income through stocks, dividends and property.
- I think most people are going to mention credit cards in some way, but for me, it was how my actual bank accounts don't matter. It doesn't matter if I have $X in my savings and $Y in my checking account. I have $(X+Y) to budget and I need to budget $X for an emergency fund.
- Also, having $Z left over after budgeting doesn't mean I have $Z to blow. I have $Z to budget for next month since I already budgeted for my frivolous spending. That doesn't mean I don't just move $Z to something frivolous anyways.
- It's a different way of thinking about budgeting. It's an envelope system. You have a pile of dollars (real dollars - these are all the dollars you own, right now, in your accounts), and a pile of envelopes. You begin stuffing dollar bills into envelopes - some into the bills coming due before you get paid again, some for groceries until you get paid again, some for gas until you get paid again, and with the smaller pile of dollars after those needs are taken care of, you begin to stuff dollars into your True Expenses - things like Car Maintenance, Insurance Payment, etc. When you run out of dollars, you STOP.
- You stop, because you can't put imaginary dollars into envelopes.
- YNAB is all about the now - about giving jobs to the money you have. Not to the money you might have later on. It is a different way of thinking, but once you make that mental shift, it comes clear and works beautifully.
- Important saving goals people should have
- The Shockingly Simple Math Behind Early Retirement
- Ask HN: What to do after $8M (all cash, post tax) exit? (2018)
- Resources for those who want to better understand personal finance
- How to earn your Macroeconomics and Finance white belt (as a software developer) (2019)
- Ask HN: Best Passive Income Method? (2019)
- What were the most influential learning resources you found while discovering FIRE? (2019)
- Ask HN: What did you do when you suddenly got rich? (2019)
- Prophet - Financial markets analysis framework for programmers.
- Financial Markets course - Overview of the ideas, methods, and institutions that permit human society to manage risks and foster enterprise.
- QuantStack - Team of developers and contributors of major open-source projects for scientific computing, who are passionate about science and technology.
- Self-Study Plan for Becoming a Quantitative Developer
- QuantLib - Free/open-source C++ library for quantitative finance.
- Quadratic Payments: A Primer (2019) (HN)
- A Primer on Investing for Designers and Developers (2019)
- Roki - Open source asset analytics, tracking, management and tax reporting application that enables you to take ownership of your financial data. (Code)
- How to build wealth slowly
- HN: Reddit has become a guide to personal finance (2020)
- Ask HN: Book recommendations for understanding financial systems? (2020)
- HN: Dow Falls 2997 points worst drop since 1987 crash (2020)
- The Good Times for Airlines Are Over (2020) - Also startup liquidity, trading from home and virus blockchain.
- Ask HN: How bad will the 2020 economic crisis be?
- The ladders of wealth creation: a step-by-step roadmap to building wealth (2019)
- Simple Personal Finance Tracking with GnuCash (2020) (HN)
- Which books have been the most influential on your fatFIRE journey? (2020)
- Gather - Collaborative finance tool.
- Stripe - Online payment processing for internet businesses.
- Financial Statements: A Beginner's Guide (2020) (HN)
- Awesome Foundations of Decentralized Finance (DeFi)
- Why Credit Card Fraud Is Still a Thing (2020) (HN)
- Ask HN: Do you have a daily cash stream? (2020)
- Best countries for FIRE? (2020)
- Mollie - Effortless payments.
- Awesome AI in Finance
- Paysend - Send money internationally. Nice for sending money to Russia at low (no) cost.
- Tax strategies for large earnings surge (2020)
- Ask HN: Why isn’t finance a part of the core curriculum at schools? (2020)
- TrueLayer - Simple Open Banking APIs. Build applications that securely access data and initiate payments in real time. (GitHub)
- 11FS - Creating digital financial services for banks.
- Interview Primer for Quantitative Finance (PDF)
- Stripe Treasury - Banking-as-a-service for platforms. (Tweet) (HN)
- Mercury Treasury - Automatic cash management for high-growth startups.
- The Games People Play with Cash Flow (2020) (HN)
- How Payment Transaction Processing Works (2020) (HN)
- Stripe’s payments APIs: the first ten years (2020) (HN)
- Ask HN: About Financial Inequity (2020)
- hledger - Cross-platform accounting software for both power users and folks new to accounting. (Docs)
- Mintable - Automate your personal finances – for free, with no ads, and no data collection.
- Awesome Financial Networks
- Avera - Financial computation for the future.
- Matt Levine: Money Stuff and Life Stuff Interview (2019)
- Finance Database - Database of 180.000+ symbols containing Equities, ETFs, Funds, Indices, Futures, Options, Currencies, Cryptocurrencies and Money Markets.
- Every thought about personal finance I've ever had, as concisely as possible (2021) (HN)
- Finance as culture (2021) (Tweet)
- pValuation - Quantamental finance research with python.
- Python for Finance Book - Mastering Data-Driven Finance. (Code)
- On the Experience of Being Poor-Ish, for People Who Aren't (2021) (HN)
- The Joy of Fuck-You Money (2018) (HN)
- Good basic couple finance courses/books (2021)
- Early-Retirement Update (2021) (HN)
- Short term investing tips (2021)
- VISA USDC coin explained (2021)
- Why Python is huge in finance? by Daniel Roos (2019)
- aat - Asynchronous, event-driven algorithmic trading in Python and C++.
- Tips to diversify income with passive income streams (2021)
- Checkout.com - Accept Payments Online.
- Interactive financial modeling (2021)
- Maybe - Modern financial planning & investment management.
- How People Get Rich Now (2021) (HN) (Reddit)
- Just Be Rich (2021) (HN)
- Learning Decentralized Finance
- Introduction to Machine Learning for Finance (HN)
- The Greshm System (2021) (HN)
- Balance - B2B Payments for Merchants & Marketplaces.
- finance-dl - Tools for automatically downloading/scraping personal financial data.
- Circle - Payments infrastructure for internet businesses.
- The Ultimate Guide to Inflation (HN)
- Why Open Source Finance Will Win. (2019)
- Lean FIRE Reddit Wiki
- Anyone Retire in a LCOL Country and Regret it? (2021)
- Exec Sum - Daily Finance & Business Newsletter.
- How to Get Rich without Being Lucky (2019) (HN)
- DeFi Beyond the Hype – Wharton (2021)
- Stripe Payment Links - Create a payment page in just a few clicks and share the link with your customers. (Tweet) (HN)
- Awesome Quant
- Personal Finance Reddit Wiki
- FerrumFIX - Financial Information eXchange protocol implemented in Rust.
- If You Want To Transform IT, Start With Finance (2021) (HN)
- Awesome Decentralized Finance
- Spreadsheet formulas for personal finance (2021) (HN)
- Best software for submitting receipts
- TigerBeetle - Distributed financial accounting database designed for mission critical safety and performance to power the future of financial services. (Web)
- Go DB Ledger - Accounting Software with GRPC endpoints and SQL Backends. (Web)
- How you can track your personal finances using Python (2021) (HN)