Personal money management has been tremendously helpful for me. I have been doing it for past decade, storing daily income and outcome and tagging them with categories of spend, etc. Every year I set goals to set some money aside, and use software to help me achieve it my monitoring and analyzing.<p>Apart from Mint/Quicken, banks have rolled out this kind of service too. But it is still missing something. Most people do not want to record personal expenses, and manage their own money with a software.<p>What do you think is missing? How can it be more democratized that more and more people intelligently manage expenses and adapt spending habits?
Json downloadable tagged spend data from card providers on a suitable authentication basis.<p>Uuid tagged spend events. Include a uuid in the transaction and The phone tap app can match it up to location so all those sales pos who use anonymous or shelf companies make sense.