First off, thanks for all the feedback, I really appreciate it. As asked for, here is a description:
Nickelpinch is a web-based, personal finance application. It's designed to work REALLY well on smartphone, as well as in desktop browsers. It is an app that lets you set a budget, then track your purchases. Basically, it's a way to view your bank account. (Note it doesn't connect to your bank account in any way, that is terrifying to me.) Instead of seeing just a balance, you know you have $X of that reserved for various categories like food, rent, etc. (All customizable of course) Here is a screenshot:
For example, lets say in your budget you want to limit yourself to only spending $200 a month on food. You go to the grocery store and spend $10. You open up the app, Click the big '+' next to food, put in $10 spent on food. Now on the main screen, you're $10 closer to hitting your budget limit of $200.
You can 'reserve' money for a category, so it doesn't show up in your available amount. (Shown in screenshot as a lock) This is handy for things like, rent or utilities. You can get away with not spending so much on random crap, but you want to be sure you've got that money sitting in your bank account for those things.
When you make an entry, you choose how you paid for it. This is super handy, because you can have credit cards connected to this. When you make a purchase on your gold card for food, nickelpinch 'moves' that money so instead of being waiting to be spent on food, it's now tied to your gold card. When you gold card bill comes, you have the money sitting in your bank account, ready to pay it off.
It's open source, meaning anyone can download the app and install it on their web server. Think Wordpress
. I have used it myself in various forms for years and it changed my life. I actually don't overspend anymore, and I always have my money set aside for my bills.
Is that helpful?