But of the main numbers why is Net Worth the only one with a symbol which presumably indicates itâs a link to another page ( > ). Assuming they retain existing functionality, all the numbers are links.
Tapping Cash or Debt takes me to the Everyday screen. Tapping Investments goes to the Investments screen and Net Worth to the Net Worth screen, as youâd expect.
I think the whole structure needs a bit of a rethink.
For example, there are accounts under Net Worth that are not displayed under any tab in Accounts, but are included in Net Worth. You have to delve into Net Worth to see them at all.
I think for personal finance, it makes more sense to have a summary thatâs more granular, such as
Current accounts
Savings
Credit cards
Loans
Investments
Then a Net Worth section with
Pensions
Property
Vehicles
Other etc
Personally, Iâd like to be able to create my own tabs under Accounts for all accounts (ie including all the accounts now under Net Worth) and have the tab totals displayed on the feed.
This would mean you could have a business tab, a âprojectâ tab, a current spending tab (spending accounts and credit cards) or whatever you wanted. You could break down your savings by type, if you wanted - instant access, fixed, regular. Maybe even on subsections within tabs, so you get a clear overview, but also a meaningful breakdown.
I have ISAs and p2p under investments, for example, but it would make much more sense to have them on different tabs!
The feed did need a revamp for quite a while, so thatâs good itâs happening. Some things are expensive to waste screen real estate (especially vertically) on, so my opinion:
No need for the weather - irrelevant to a financial app. I can look out of the window or already set it in my Google assistant widget on my phone home screen. Takes up a wasted vertical space.
I donât have debts/loans, some people donât invest. Potentially a few chunky boxes with ÂŁ0 which wonât change, so you might want to allocate them dynamically depends on userâs portfolio. Or make them horizontally scrollable (with the third one peaking a little bit from the edge, to give a clue that itâs scrollable). Alternatively, let the user the option too customise the order or what to show and what to hide.
The top/bottom padding of the boxes could be minimised a little bit.
I donât have subscriptions other than rent and mobile, so itâll be a bit of a waste seeing it before everything else (with not a lot to show anyway). Also, is like to believe people are more familiar with their upcoming payments or in general know what to expect from them, whether ârecent transactionsâ are less predictable and are very dynamic and worth observing - so I believe they should swap places.
And if weâre already dealing with ârecent transactionsâ, please fix the long running issue of showing only payments with date<today. Iâve edited one of my transactions date to be May 2021 (live show), and itâs simple stuck to the top of the life of transactions and wonât go away until the date arrives. If you let people edit transactions to a later date (which you do), they should be treated as such. Iâve left more ideas how to tackle this previously in the requests thread.
Maybe like in The Guardian, give the user full access to customise the order in which the different widgets appear in the feed (order and showing/hiding)
I think this is our plan! Like the idea of being able to customise which order the boxes go in!
Iâm not sure about this you know! I guess it depends on how many subscriptions or bills you have? If you have loads of upcoming payments then I think it would be more useful to have this first?
Maybe we could look at making this view a little more customisable
I think the only feature left for me would be a review feature that lets me to categorise all transactions I have not yet gone through.
Specifically because Emma often automatically excludes transactions that I have to âunexcludeâ which is not so easy to do, for example if a relative bank transfers me some money to order them something on Amazon I will exclude that Amazon transaction and then the next time I buy something on Amazon for myself it is auto excluded so I have to find this is in the âexcludedâ transactions section at the bottom inside the budgeting screen.
Sometimes itâs 5-6 days before going into Emma to categorise the transactions so a review feature for categorising transactions the same as they do in Quickbooks would be a killer feature.