Actual Budget is a straight FOSS clone of YNAB. It’s very, very good IMHO, but their big selling feature was bank import with PSD2 APIs across the EU and they’ve backed away from that as you need to be a commercial provider to use APIs directly and their dependency on GoCardless is getting nerfed.
The plumbers will. The electricians will. The carpenters will. The bricklayers will. The farmers will. The steel plant workers will. The dockyard workers will.
Yes, if you’ve got savings invested it’ll touch you, but the actual jobs - you know the ones adding and making real, concrete things, probably won’t notice a big different if the AI stocks tank 30% in a day.
Evidence or speculation?
Today I went to work. Then I put the kids to bed. Then I’ll sleep. Tomorrow I’ll go to work again.
I feel less dull putting a label on my dullness so thank you for creating the community.
It wouldn’t stand up to traffic pattern analysis:
But then I doubt an ISP would run deep traffic pattern analysis on all traffic. So you’d probably be fine.
But yeah, setting up your own VPN server on some random 1-core/2 GB RAM server is extremely easy.
The EU has instigated the Payment Service Directive 2 (the previous one being PSD1). This requires that all EU banks over a certain size provide APIs to access transactions and other data.
However banks are required to set strict requirements to use their APIs, including requiring lots of knowledge and a documented approval chain that pertains to each user. In practice this means only other big companies have access and most have solved it by buying the “access account and transaction data” service from a third party company.
GoCardless is one such company. They previously had a developer tier that you could sign up to, which would provide you an access token that you then provided to Actual Budget so they could access your accounts on your behalf.
GoCardless have however limited what their free developer accounts can do, which means Actua Budget can no longer get real time access to your acccohnt data.