Tool to track my finances and sometimes foolish decisions. Sometimes I pinch pennies. Sometimes I spare no expense. Who's the Schmuck Miser? Me!

At the moment, most of the work is targeting underlying architecture in how things are loaded, choosing what frameworks to use, code splitting, persistence of data, etc. The app is not in a usable state for an end-user.

In general, this is a project that lets me learn about new technologies and get working experience with things that interest me.

🚧 Things will break! 🚧

🚧 https://lewismoten.github.io/schmuck-miser/ 🚧

• Budgeting monthly, annually, and identify emergency budget
• Dividend Payout Calendar
• Chart of gross/net worth over time
• Track
  • Stock Trades, cost basis, net flow, and benchmarking
  • Spending from cash accounts
  • Paystubs
  • Lifetime taxed income reported to social security administration
  • Inflation adjustments
  • Cryptocurrency purchases and mining
  • Utility bills
  • Energy usage on EV, Cryptocurrency Miners, and solar panel output
  • Art Investments
  • Assets
  • Vehicles and total cost of ownership
  • Mortgage and equity
  • Loans, Credit Cards, and other forms of debt
  • Cash rewards
  • Credit Scores
• Daily notes
• Quick Data Entry
• Data import from external sources
• PDF report generation
• Project future value of investments
• Project future value of income
• Project time before cryptocurrency mining meets thresholds to withdraw
• Project taxes on short/long term realized gains

For almost a year, I've been tracking my finances in a google spreadsheet. This spreadsheet has grown as I've added more things to track. Student loans, mortgage payments, utility bills, cryptocurrency mining, stocks held in the market and benchmarking for performance, dividend payout calendar, budgeting for a full year, pay stub logs, total lifetime earnings taxed via social security/medicare, credit scores, credit report details, daily notes, and the list goes on.

Once I started tracking things daily, my financial life has taken a turn for the better, and more opportunities became apparent.

I've come to the realization that a lot of this needs to be done in a website to reduce the amount of effort I'm putting in each day to manage the spreadsheet.

I used to have a financial advisor and was preparing a few things for our annual review. Essentially I try to have as much information as possible so that I am ready for anything asked for. After our meeting, I realized the report I had made was far more useful to me than what he was offering.

As I started using the spreadsheet more often, I could see the "big picture". A budget let me see the total effect of spending on an annual basis and revealed goals of what I could eliminate. Services were cut, reduced, or switched providers. Benchmarking my holdings in the stock market against an index helped give me confidence that I was doing well. Unfortunately, it also revealed a great amount of opportunity loss with the accounts under management with my financial advisor.

As I've continued throughout the year, I've continued to locate more data and evaluate how I can improve my financial health with great success.

So for now, I'm experimenting with material-ui on this project. I'm also focusing on making this usable on my phone, so the interface isn't going to look great on desktop browsers at first.

I'm targeting low transfer rates because I have found myself in large dead zones when visiting family, and my cell phones data plan is limited to 4GB/month. And because I'm interested in performance.