I don’t have any payment subscription problems (the big money saving opportunity that Emma promotes). I’m actually already pretty on top of my spending.
I use(d) moneydashboard to get on top of things, mainly before they did their big Neon upgrade. I loved custom tags, budgeting and monitoring spend against budgets, flexibility to do short quick updates on my phone and infrequent overhauls of tagging on the desktop app. I liked looking at historic monthly spends.
But MD started having bank connection troubles, then they did their big Neon upgrade, leaving behind so many key features until they build them back in (maybe?) over some undefined period of time. I gave MD Neon a shot for a while, but the latest issue is that Lloyd’s transactions get duplicated at the start of every month, because (as MD tech team told me) Lloyd’s back end system does something that messes things up in MD’s records… They say they’ve raised it with Lloyd’s, and other banks don’t do it, so it should be resolved eventually unless Lloyd’s want to be the odd one out.
Maybe in a year, Neon will be brilliant; and of course it’s free. I’m not bothered by them selling my data. I’m also coasting and confident that I’m not exceeding any monthly budgets these days, so haven’t been too motivated to take action.
My concern with paying for Emma and switching to it is the possibility of not finding the same capabilities as a free tool, and also concern that I’ll face the same technical glitches. If one or both problems arise and I find I can’t rely on Emma to keep track of my expenses without significant additional input by me, then I’ll feel silly for paying for it.
So can you tell me that my favourite things in Money Dashboard are possible in Emma? And that the Lloyd’s problem doesn’t exist? And what about if I’m unsatisfied, and face similar tech glitches over the first 45 days? (needs a month at least to see if bank imports get messed up)