How do you actually manage your finances? I couldn't find a good app so I'm building my own
Hey r/SwissPersonalFinance,
Just started earning my first real salary and trying to get serious about money - tracking expenses, building savings, keeping an eye on my net worth, the whole thing.
I tried a bunch of apps (Yolt, YNAB, Bankin, even just Notes on my phone or a big Excel file...) but nothing really clicked. Either too basic, too expensive, not built for the Swiss context (CHF, 3rd pillar, multiple banks), or just ugly enough that I stopped opening it after a week 😅
So I figured, I'm a developer, why not build something that actually fits how I think about money !
Before I go too far down that rabbit hole, I'm curious how you all handle it:
- Do you use an app? Which one and what made you stick with it?
- Spreadsheet warriors? Google Sheets, Excel, Notion?
- Do you just not track at all and wing it?
- What's the one thing you've always wished an app would do that none of them do? 🤔
No links, no pitch - genuinely trying to understand what works (or doesn't) before building something people might actually use.