Dinero: How I manage my finances
I have built my own personal finance system like Mint/YNAB. I call it
[dinero](https://github.com/danielfrg/dinero) (money in spanish). I use it to manage my personal and my small business finances.
It’s a set of simple scripts that use Plaid to get data from my banks Posgres to store the data and NocoDB to visualize it. I also use Metabase to build some dashboards from the data and a couple of Jupyter Notebooks with extra analysis I run sporadically.
I have indexed all the data since 2012 (the year I moved to the US) and the data matches perfectly to my current bank statements in all my accounts.
- I did a backfill parsing PDFs in 2019 when I started using
Main view: All transactions of the year
View: A single account grouped by Category
View: Filter by one month and group by account:
I created those myself based on my needs.
dinero uses simple rules to match transactions and tag them accordingly, not much else is needed.
Categories are broad and general, I don’t any. Subcategories are more open to be added.
- Living Expenses
- Food (going out)
- Home (related purchases, reparation)
- Other Expenses (non-recurrent things that are for my own good)
- Shopping (in general)
- YouTube Premium
- Amazon Prime
- Entertainment (other)
- Other (general social activities usually go here)
Most personal finance system use Google Sheets but I find a system like Airtable to be superior. Initially I used Airtable but since the pricing change it didn’t really made sense for me to use it so I self-hosted NocoDB and it works just fine.
Why now a service?
I used Mint for years. It was the closest thing to a service I liked. The web UI was terrible but thats fine. What’s not fine is that Intuit had access to all my data.
I tries to use other services like YNAB which I find just way to complicated.
All I needed was to automate getting data from multiple banks accounts and credit cards into a simple format that I can use to group by some simple categories I defined manually and to easily get a picture of my spending.
This is not original, I initially got this idea from yyx990803/build-your-own-mint. I just wanted to make a couple of changes for my workflow and use Python instead of Node.JS. The same thing happened with kevinschaich/mintable/ (which is great!).
Ddashboard tools like paisa are very interesting but a bit to complex for my needs. I just need a quick overview to see I am not spending to much and peace of mind when I do my taxes.