Show HN: Sssaving – Are you gaining or losing money each month?

https://www.sssaving.com/?ref=hn

by guillelopez • 11 years ago

21 37 11 years ago

Splendor• 11 years ago

I like this idea and I was able to successfully sign up and link my bank account.

My only suggestion would be to give me a better idea of what to expect when I receive my first email. Right now all I know is that I'm going to get an email in X days and that email will tell me something about how well or poorly I'm doing.

I like the site design too. Nice job.

guillelopez12• 11 years ago

Thanks for the feedback. The idea is to provide more information as the service grows.

kelukelugames• 11 years ago

Tempted. But I just got Mint recently and I really like it. What does this do better than Mint?

qzcx2• 11 years ago

I second this. Mint gives me a clear perspective into all of my accounts. I don't really need the monthly reminder to check my bank accounts. I do it almost weekly.

deet2• 11 years ago

When you check you accounts what are you looking for? Just balances? Or whether transactions have hit? Suspicious activity?

jackcarter• 11 years ago

I'm impressed that it does 2-factor authentication. Mint has been dragging its feet on that for years.

Too bad there's no Vanguard integration. Can you add an input for monthly autodeposits?

guillelopez12• 11 years ago

Yes, we might explore the option to add autodeposits. Moreover the idea is to run autonomous.

zachjbart• 11 years ago

Is support limited to the 7 banks on that screen? Couldn't find an "Other" option.

guillelopez12• 11 years ago

Yes, sorry about this. Currently it just works with the 7 main banks in the United States.

jsonau• 11 years ago

Intriguing font choice and design! I like it. Unfortunately I'm hesitant on giving my bank credentials.

Big banks should step up and offer APIs via OAuth or the likes

guillelopez12• 11 years ago

I agree. But probably banks will never get into that business. Meanwhile some companies, like the one I am using for this service, are helping the banks to get this functionality. You should check them: http://www.plaid.com.

simook• 11 years ago

Trust is lacking. I like the idea, but aborted the getting started process once I realized the app needs access to my bank.

alphast0rm• 11 years ago

I agree and did the same thing. I think it would also help if there was a sample "update e-mail" so users can get a feel for what value the site adds (e.g. vs Mint's e-mails). Otherwise, I'm hesitant to link my accounts without knowing what I'll get out of it.

guillelopez12• 11 years ago

That makes sense. We will add that. Thanks for the feedback.

deet2• 11 years ago

Out of curiosity, what would have made you trust it more?

arielweisberg• 11 years ago

I don't want my bank accounts analized.

Sorry had to say it. There is a typo.

guillelopez12• 11 years ago

Typo fixed. Thanks.

biggerfisch• 11 years ago

I might add more info about supported banks before users start to expend effort on signing up. As soon as I saw that my bank wasn't supported, I lost interest.

guillelopez12• 11 years ago

Sorry about that. Can I ask you which is your bank?

philippnagel• 11 years ago

US only?

guillelopez12• 11 years ago

Yes, sorry about that.

leepowers• 11 years ago

You needed to be a spreadsheet junkie to be able to get some good insights.
So we built a service that automatically analyzes your bank accounts

So, what kind of insights does SSSavings provide? What is it going to tell me? How is this more useful than looking over everything manually?

I also have most of my budget in a custom ODS spreadsheet. I'd love to be able to pull real-time data about current balances, number and type of transactions, etc. from some sort of API. That would be BOMB.

guillelopez12• 11 years ago

Well, the service is intended for people who don't do it manually. People who are lazy about their finance.

And the goal is for them to get automatically an email every week or month with basic information about:

— How much did they spent or win last month? — How much savings do they have in all their bank accounts? — How did their finances progressed in the last months? — How much do they normally spend each month? — For how long could they live with their current savings?

About having an API. You should check: plaid.com. That's the API service I am using on sssaving.com to get all data.

jacquesm• 11 years ago

What is it that gets people to give details about their bank accounts to just about everybody that asks politely enough? Am I paranoid or is it really this easy to get people to give up their financials that the drop of a hat?

guillelopez12• 11 years ago

I understand your concerns. But let me clarify that this is a secure service. All sensitive information is stored encrypted, all traffic runs entirely over encrypted SSL and all goes through Plaid Technologies, one of the most prominent service provider of banking data. If you would like some more info, you should check: https://plaid.com/security/

fweespeech4• 11 years ago

....yeah.

SSL libraries never have bugs.

Its a great idea if it could be done without giving you any of my bank credentials beyond what is on a check and basically public knowledge.

https://plaid.com/docs/#add-user

That right there is why I won't use it regardless. No offense to you or Plaid's security. Just the idea I'm going to hand over the same credentials that let me transfer money out of my institution isn't an acceptable solution.

unknownzero• 11 years ago

I was a mint user for quite some time until I switched over to personal capital several months ago, was interested in trying this.

However once I signed up and went to add one of my bank accounts I noticed it was listed among the 10 on banks in the select dialog, but greyed out, showing "institution not supported" on hover. CapitalOne 360, Fidelity, and charlesschwab all appear this way for me. Does this mean they'll be available in the future?

Hope that helps with any troubleshooting.

Show HN: Sssaving – Are you gaining or losing money each month?

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