u/zenexpenses

ZenExpenses update: Budgets + Split Transactions are here 🎉

Shipped two big features for ZenExpenses this weekend:

1. Budgets

Set budgets per category and track them individually. Categories now support sub-categories too, and you're not locked into presets - add whatever categories/sub-categories fit your needs.

https://preview.redd.it/ghtqfzm31cbh1.png?width=857&format=png&auto=webp&s=0a0ca078c56e4cde5167e9d302e5e8a13a03ae3c

2. Split Transactions.

One transaction, multiple categories. That $290 Costco spend isn't just "Groceries" anymore. You can split it however it actually breaks down (e.g., $200 Groceries / $90 Electronics), see screenshot below.

https://preview.redd.it/1udzy82z1cbh1.png?width=884&format=png&auto=webp&s=03f2d6e36f76ab2a6b0e67bf70f91720fba41846

I would love to get feedback. Try https://zenexpenses.com free for 7 days, no card required.

Hello everyone,

ZenExpenses developer here. I want to give out some updates on what I have been improving in ZenExpenses. I have got some users from this sub who have given valuable feedback and I am grateful for that. Here are the latest Sunday updates.

Gained 56 new users week over week. Total users so far: 490. Daily Active Users: 42.

You can try out ZenExpenses for free, no card required.

1. Now you can add custom Emojis to Categories, added incoming and outgoing arrows for transactions.

https://preview.redd.it/1n8invtghy9h1.png?width=1046&format=png&auto=webp&s=6cf8781cd224c2f68136aa3c5d48a076c444685a

2. Added a new heat map feature. The darker the color on that day, the more spending you did on that day.

https://preview.redd.it/hj3om1mrhy9h1.png?width=684&format=png&auto=webp&s=d6051eb86557bbe7d364d44c83b26a189aa1bd29

3. Custom rules for transactions - Customize categorizing your transactions with your own custom rules, if you didn't like the automatic categorization.

https://preview.redd.it/t8ogu6b1iy9h1.png?width=710&format=png&auto=webp&s=2f995f1a93f43e0ebf6aa5350401dd4aff99a200

4. AI based analysis of your spending - AI will suggest where to cut down your expenses and detect anomalies.

https://preview.redd.it/4ak3ouxeiy9h1.png?width=1469&format=png&auto=webp&s=bc2df2d20ff38cff220bb2e0c7254b7bda56bafa

5. Supports major currencies, currency number formats and date formats. French language support, more languages coming.

https://preview.redd.it/3td1tmpbky9h1.png?width=241&format=png&auto=webp&s=86d99d7f398e72728cedfbd686a397f7b83911bf

I am on EST timezone. I am happy to answer any questions you have about ZenExpenses.

I am in talks with an RBC advisor who said they will give me the renewal. But the initial documents they sent to sign doesn't have the mortgage commitment letter.

It has these agreements

Electronic Disclosure Agreements
RBC Client Agreement
Waiver for Mortgage Protection
RBC Disclosure Agreement
Final Discharge Statement Application for previous lender.

The advisor says after I sign these documents only they can sent me the mortgage commitment letter.

I know these documents are non binding, but some wordings in the Final Discharge agreement seems to instruct the current lender not to renew the mortgage.

I am skeptical of this as this my first time renewing.
Is this how RBC renewal works ? Or should I be seeing the commitment letter first before proceeding with anything.

We verbally agreed on the renewal terms but shouldn't I be seeing commitment letter to proceed?

A broker has been pressing me to sign the commitment letter. But I want to shop around a bit.

What consequences will I face if I sign the commitment letter now but then do not follow through the agreement?

The majority of brokers don't have a secure way to receive the documents. Most of them ask to just email the documents to them. How is this not a huge security & identity theft problem? The mortgage brokers have all the information of clients for identity theft in their emails. Even RBC brokers are using email.

Edit: Looks like there are professional brokers who use secure portal.

If you are shopping around, the first question to ask a broker is if they have a secure portal to receive the documents. I would at least obfuscate the SIN from the T4.