We tried using Mint, but it took too much time to recategorize transactions, and it didn't even address the real problem. Yeah, we were spending, but we were only spending on the bare essentials anyway.
We tried a monthly budget, but every month was different. Unexpected dental and medical bills would pop up rendering any budget moot.
When you're working close to a zero balance, when you pay is just as important as how much you pay.
Buying a plane ticket could make a rent check bounce two or three months later, but putting off buying the ticket could make the price jump.
And so much for saving up for a six-month emergency fund.
As visual thinkers, this made it so much easier for us to understand our situation. We could anticipate when trouble might be coming and could move planned expenses around accordingly.
And it turns out, after getting loan payments under control, it all becomes about interest.
Manual, tedious, brittle, quickly out of date,and hard to remember what magical formulaic incantation we needed to get our last week’s sheet to work.
We discovered our friends were making similar spreadsheets, similarly difficult, similarly useful.
Our first attempt at an app was terrible, so we tried again, and we're admittedly still iterating and learning from our users, but Forecash is now here.
Lenders hide stuff from you, especially the impact of the interest rates they charge.
Forecash aims to reveal as much as it can about where your finances are going.
Apps like Mint know our entire transaction histories and everything we buy. Then they present ads for credit cards to get us into more debt.
We take your privacy seriously. We'll never sell your information and never present outside ads to you.
We want to give you the right tools for making real decisions about your future, just like we needed for ourselves.
This means being thoughtful about features and always listening to your feedback.