sunbeam60

Your own happiness is more important that somebody else’s happiness.

Not to say you shouldn’t be nice or help people, or invest in other people’s growth.

But don’t do it to the detriment of your own.

Man good dental hygiene is one of those things you just do not think about until you’re older. Flossing, interdental, mouth wash (before brushing), regularly visiting the hygienist and dentist. Your teeth evolved to last 35-ish years, the rest only happens from hygiene.

Cry.

Would HAVE. Could HAVE.

The original author tried to turn it into a business. Turns out that was next to impossible up against YNAB. Gave it to the community who’s keeping it current.

I’ve literally just switched to Actual (3 days in) after living out of a homemade Excel YNAB clone for years and years. Overall it’s great and the bank syncing works really work.

I love that it’s open source, E2E encrypted, self-hostable and the data lives in a SQLite database.

If I haven’t found any major snags, I’ll of course become a supporter in a couple of weeks.

Yes, it works a treat in the EU (due to PSD2, which mandates open banking) and U.K. (which is copy/pasting PSD2 to ensure their banks aren’t left behind).

I’m syncing with Handelsbanken UK, American Express, Lloyds, Monzo and Starling, all in the UK. Works a treat except most of the banks actually rate limit you to a couple of syncs per day.

I agree with everything you’ve said.

I think if Starmer said “we aren’t going to raise tax on personal income, but on capital gains” he wouldn’t have to tie himself in knots trying to define “working people”.

I’m not trying to split hairs; it’s Starmer (who I, for clarity, support) that’s refused to be clearer about what he intends to do and ends up having everyone debate what “working people” means.

The challenge is that they clearly want some kind of threshold where personal income is also additionally taxed, and that’s when “working people” becomes a weird “I’ll know it when I see it” debate.

FWIW, I’m in the highest tax band and I support raising the highest tax band AND raising capital gains tax. It’s not Labour’s intent I disagree with, it’s their crappy own-goal communication style.

Depends on where you live. Many places you can’t trust the government and they know almost nothing about you.

In Scandinavia every citizen has a registration number and the government has deployed state-enforced online digital identity system.

It’s not a privacy nightmare if you can trust the government. And in Scandinavia you generally can.

Big up yourself for a solid, informative answer!

I admire your commitment to this. I’m onboard. Fuck em, take smaller bites.