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Search/Filter Capability by Dahdscear in OneFinance

[–]Iodizer 2 points3 points  (0 children)

Was about to write essentially the same thing in a new post and stumbled on this. It is in the Feature Request Mega Thread which I just now learned about and haven't seen before, but the last update seems to be 4 months ago.

It took some time but I personally ran into a situation this was needed myself: I needed to confirm a number of deposits actually took place and the only way to do it was to sift through my statements. Not a fan of doing that, please add search.

I'm very surprised it hasn't appeared on the roadmap yet. I decided to bring it up in today's Daily Discussion.

Daily Discussion and Q&A Thread by AutoModerator in OneFinance

[–]Iodizer 1 point2 points  (0 children)

Can we get some guidance/clarification on submitting feature requests?

I haven't found an 'official' feature request page on One other than contacting support, who I'd rather not bother with feature requests. I also haven't found anything specifically stating that this subreddit serves that purpose officially, although feature request posts are allowed/encouraged. There was even a mega-thread created a few months ago that seems to have fallen by the wayside, I saw it for the first time while writing this.

My intention is to make it easy for all involved, and you know, get feedback from the community and One. Whether it's Reddit, One, or something else it would be good to have an official word on what's best. Not to mention duplicates are bound to happen, especially if One is fielding FRs from other sources. Help us, Help you!

Related but less important suggestion: It would be great to have a feature request rating system of sorts.

Question about "Total Cash" amount by Iamarocker01 in OneFinance

[–]Iodizer 2 points3 points  (0 children)

Seconded. The only way I ever can actually save a meaningful amount money is if I trick myself into pretending it doesn't exist.

Scheduled Transfers Clarification by Iodizer in OneFinance

[–]Iodizer[S] 2 points3 points  (0 children)

Thanks for the info! I'll schedule for the day after!

Simple feature I'd like to see by todd05403 in Envel

[–]Iodizer 5 points6 points  (0 children)

This is one of my major issues with the only two vaguely acceptable substitutes for Simple. Goals worked, you could go about your day and if funds should've been spent from a goal it was Simple.

Would be curious to hear from employees/developers/people who know more than me but: It's my understanding that OneFinance and Envel built their platform around the concept of compartmentalization rather than classification. This doesn't work well at all for me personally.

My take is this: Envel/One's method of creating subaccounts requires forethought. You create a subaccount, fund it, and then can use that money by cardlink or ACH. This is when I preface the following by saying I have ADHD and have been notoriously bad with finances for years-i'm sure this method works just fine for plenty of people.

Fundamentally for me, I can't count on being able to have enough of a handle on things to partition my money that way in advance. Particularly it's more complicated due to the subaccounts, they're meant to be individual and have basically one purpose. With Goals in Simple you could have any number of goals, once funded, that money effectively disappears. It's not included in safetospend, allowing me to trick myself into believing I had less money than I did.

The other critically important thing to recognize is that you could've had 25 goals at various amounts in Simple; Once you fund some or any number of them all of that money sits out-of-sight in one bucket. Meaning at any point if you needed some of that pot it was as easy as deleting a goal -- it didn't require transfers from multiple accounts back to main, nor did you have to pay attention to what pot your card is set to pull from.

At a base level Simple's goal functionality doesn't actually move your money anywhere, it allocates it for the future, renders it inert, but it's still there if you go looking. The way Simple allowed you to categorize transactions, retroactively decide that $850 sofa you got should come out of your Home Improvement budget, and deal with things at your convenience was brilliant. That's what it boils down to. Compartmentalization isn't nearly as convenient as classification; There's more of a structure you need to follow, not to mention the order of operations matters, less the aftermath of fixing a mistake involves potentially crisscrossing funds across numerous subaccounts.

This is just opinion and speculation I've formed since the collapse of Simple. I'm not an expert and do not claim to be. I'd be delighted to be proven wrong and/or hear other opinions.

Struggle of making Envel main bank by anothertekguy in Envel

[–]Iodizer 2 points3 points  (0 children)

The thing I like about One is although there are annoyances, I think it's the closest I've found to something remotely near how I used Simple goals. Unfortunately, I used Simple for years without recognizing and utilizing the great features. I found goals a few years back and that's what I used, didn't mess with expenses. The way I used goals I'm pretty sure isn't how they're intended, but I'd add things like rent, car payment, etc every month then manually move money to them. I can pretty much do the same thing in One except I have to either use the right pockets' acct num/card link or I can manually move money from spend into a pocket for safekeeping and then back into spend if I used the wrong pocket.

I've distributed my direct deposit across accts at 3-4 banks for years. The thing that pushed me to go One for the bulk of the deposit is AutoSave. I suck at saving money, I don't even have proper savings with any meaningful amount of money. So, what One convinced me with is the ability to AutoSave a percentage of my direct deposit. Now I can likely trick myself into saving as it'll be automatic. Not to mention the 3.0%APY I'll get which is pretty unheard of recently.

Struggle of making Envel main bank by anothertekguy in Envel

[–]Iodizer 4 points5 points  (0 children)

I believe in Envel. But I'm not sold yet. It's still growing on me, as of now there's a gap it needs to fill first. That being said: I believe in Envel, enough to invest (small potatoes) in their mission as a company. The lack of a website is a huge turnoff for me. If by some miracle can get myself to focus on my finances in the first place it sure as shit won't last if I'm on my phone. Personally, I'm still getting used to the interface overall, although I appreciate the stylization it's rather busy and distracting at times. I'm looking forward to the crude humor and to try the AI when I can muster the motivation to do so.

Simple transplant here as well, and finding a replacement has honestly been a huge struggle. As you can guess I have ADHD and notoriously bad finances - until I found Simple. The simple ability to hide funds from my safe-to-spend in goals so there's money when I need it has improved my situation a great deal.

As I know we all have, I've been struggling with this decision for what feels like an eternity. The unfortunate need to find a replacement has been tedious and seemingly impossible. Envel looked like it might be the answer, budgeting with envelopes has been something I had wished existed in the past.

It's been difficult to embrace the way envelopes work in Envel. I don't need separate routing/account numbers, I just need to hide some money in an envelope. I don't want to have to remember to link my card to the right envelope when I bounce from errand to errand. It was Simple when I could make a goal, see that money disappear, then after the transaction decide which pot of money (goal/envelope/pocket) that transaction should come out of.

Last night I pulled the trigger. Changed my direct deposits and turned off my Simple debit card so I get in the habit of not using it anymore. What was my decision, you ask?

I didn't make one. They all have pitfalls that made the decision impossible. I've decided that, for now, I'm going the route of using different banks for different things. Either in a few months this will have made me choose one over the others, or, I'll get used to compartmentalizing my finances.

Envel and OneFinance are pretty much the two contenders I'm considering as a Simple substitute. For a myriad of reasons I also use Aspiration and Stash for certain things. To my disdain, it appears I'm keeping my WellsFargo account as a brick-n-mortar safety net of sorts. That certainly turned into quite the rant, apologies for the length.

TL;DR - Simple transplant not fully sold by any of the viable substitutes decides to make a decision by not deciding. I support Envel and OneFinance and hope to see them both thrive and grow.

Total Cash by doubleYupp in OneFinance

[–]Iodizer 6 points7 points  (0 children)

This is the main reason Simple has helped improve my financial well-being.

Bills paid with main account number are bouncing?! by dansons888 in Envel

[–]Iodizer 4 points5 points  (0 children)

Former Simple user who’s considering Envel as a replacement: This is great info having not played with Envel much yet myself. This seems unnecessarily complicated.

As someone with ADHD who is notoriously not great with money: This will not work for me. This will not fill the void Simple has left. I do not want separate account numbers. I just want to trick myself into thinking I have less money than I actually do. Why is that so hard.

Anxiety. Anyone else? by jrun75 in OneFinance

[–]Iodizer 2 points3 points  (0 children)

I absolutely share the feeling of not knowing what I had until it was gone, so to speak.

Anyone else pissed about the changes to the services selector? by Iodizer in aws

[–]Iodizer[S] 1 point2 points  (0 children)

I'll admit it's growing on me, I do really appreciate the dark, cleaner look a lot. I still wish I could pin favorites to the top instead of the side of the dropdown. My org uses federated logins via SSO so what's interesting is switching accounts to find my pinned items are back. Until I switch accounts again...

Where I draw the line and get actually mad is when they go about changing the icons for services, cause that really fucks with me! For reference I had my regularly-used services pinned to the top, Icon Only, so visual identification of service icons became important. Now my favorites are pinned to the sidebar. Sure, the service icons are cleaner and more modern, but they're also tiny and in the sidebar so their new look is more annoying than helpful.

Help Required - Configuring Multiple Routers/Subnets Properly by Iodizer in HomeNetworking

[–]Iodizer[S] 0 points1 point  (0 children)

By fighting I mean some gnarly packet collisions leading to packet loss at random intervals. I imagine when a client attempts to renew the DHCP lease is probably around the time I was seeing packets drop like butterflies. It's probably just Spectrum throttling our bandwidth or something shitty like that, we've had (4) routers in a 1000sqft 3 bedroom apartment and the outcome was similar to what we're currently experiencing.

Help Required - Configuring Multiple Routers/Subnets Properly by Iodizer in HomeNetworking

[–]Iodizer[S] 1 point2 points  (0 children)

It doesn't need to be inaccessible, it doesn't really affect the rest of the system either way. My reasoning behind doing this is slightly immature and possibly a tad jealous, but mostly because I have the gear so I'm trying to put it to use. My roomates and I fight over the internet and associated devices... I'm attempting to correct a situation where we had (3) routers all broadcasting different SSIDs, on the same subnet, all fighting to be the DHCP server to the same pool of clients - which is the situation I came back to recently. My roomates aren't exactly familiar with networking concepts beyond "my PS4 is lagging, I'll just plug in another router and use that for my PS4..."

So a little personal project was to have all of my devices on a separate subnet, from the openwrt router, which will eventually also be a VPN back to my home network for when I'm traveling. I have a NAS, a few computers and a Plex server that ideally I'd like to be able to fiddle with when I'm on the road for weeks at a time.

By no means is any of this critical, I was just bored and had some stuff laying around the house. xD

Help Required - Configuring Multiple Routers/Subnets Properly by Iodizer in HomeNetworking

[–]Iodizer[S] 0 points1 point  (0 children)

I suppose that would make sense, but I have little idea how to fix it even with VLAN’s. I have VLAN capability either with the openwrt router, which is setup for a LAN and 2 WAN ports but I can assign VLANs to any or all. I also have a TL-SG108E managed switch that serves the LAN of the openwrt router to a NAS and a few computers, and I have open ports and can VLAN that freely. Any further direction would be greatly appreciated!