one liner: record receipts with a cell phone camera and use location, time information to make a record of spendings.
I think financial management could be improved significantly with portable electronics. Finance is all about planning -- I'm going to put x amount into the bank to save up for y, I'm going to use z dollars in groceries this month. With any plan, there's always the review to see if you met the goals that you set out for -- Last month, I spent too much on eating out, so this month I'm going to have to try extra hard to cook for myself. When you are reviewing habits, it would help a great deal if you can have as much information as possible, organized as well as possible. It would be great to see how much money you have spent on weekends as opposed to weekdays, or how much you spend on entertainment compared to food.
With a cell phone, you can figure out a lot of things about what a person is doing, and deduce what the person is spending the money on. If a person is at a clothing store, chances are the person is spending money on clothes, and not on food. There can be many ways of getting the financial information all in one location -- you could take a picture of all the receipts that you spent money on, or match up the time on the credit card bill.
One of the benefits is that when you have all this information in one place, you can get instant feedback on your spending. Did you pay more money than you planned on a suit? Well, you will have to either have to take that money from the money you were going to use to buy a present for your friend or from money to buy video games.
13 comments:
actually i know someone who has iPhone and uses some program to record their expenses in some budget thing.
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