[afarrell]

I really would like something that just automatically scrapes my bank website and credit card and texts me every day with how far off my discretionary spending target I am.

This requires:

- a plugin interface for bank scrapers, because you aren't going to write all of them.

- a UI with hotkeys for tagging expenses as discretionary/nondiscretionary

- a database-backed chron job with a twilio frontend

I've used YNAB, mint, and budgetsimple and Going through and sorting all my expenses into specific categories manually is just way too much time and doesn't help with decision-making.

[vaibhav228]

YNAB, MINT and BudgetSimple, they do have Bank account/ Credit card link. You can link your financial institution and get the daily transactions.

Why do we need to scrap? Is there any specific reason ?

[afarrell]

I assumed that those sites had web scrapers. Do most banks have an API for getting access to customers' transaction records?

[vaibhav228]

No..several third party applications can help you do that -

https://plaid.com/ http://www.ofx.net/