[mbesto]

First, sounds like you're solving a major problem that most people have - sweet!

However, this is my constructive negative feedback - I don't think it will work because of this one piece here:

Pause if you know you'll have less money this week, deposit a bulk amount if you'll have more, even let friends and family deposit.

I tried doing this in a rather "manual" fashion by setting up a recurring monthly deposit into ISAs. The reality is - the freedom to turn it off is a huge anti-pattern to saving money. You need to make it very difficult to have the user turn off their dripfeed. Perhaps they have to make a call, or maybe they get penalized? Either way - I see this as your most important "anti-feature".

I would also question the commercial model of this - you're going to take a cut as well as GoCardless. It'll be interesting to see if people are willing to pay for that. However, what would be interesting (potentially) is to have a model (similar to financing) where the actual item is purchased through your platform. This will get complicated, but maybe there is a way to undercut the traditional micro-financing models that exist today?

[27percent]

We're looking into a whole bunch of ways to stop charging fees as soon as we can - it was kind of the lazy way out for the short term. We're looking into referral fees, as you suggested, as well as earning interest. We also had an idea that, since we know what a user is saving for, and roughly how long it'll take for them to save for it, we could put the item up to tender and hunt down cheaper deals so the user can save money. Just an idea, but there are so many interesting things we can try when we have that kind of data.

Re: pause - I totally didn't consider that, and smurfy brought it up too, so I'm probably going to build out a 'protect me from myself' feature to do just that

[jlebron2]

The "protect me from myself" feature would be great on a per item basis. Say, for example, I'm setting up a dripfeed for a new phone (nice-to-have) and another for winter jacket (really need). When setting up the dripfeed for the winter jacket I would turn on "protect me from myself", since I really need the jacket, but I wouldn't turn it on for the phone because it is just a nice to have.

Just an idea.

[mbesto]

Cool, good luck!

[27percent]

Hi there! Just to let you know, I introduced the 'protect me from myself' feature you suggested today, there's a blog post about it here: https://news.ycombinator.com/item?id=6503740

Thanks again for the feedback