I think I may have finally found a way to beemind spending that doesn’t require a ton of manual tracking!
I’m using Qapital to watch my spending on all my accounts. I have minimal fees ($1 per purchase) for all of the places I want to spend less money at, each of which goes into a goal related to the type of spending (currently I have “lazy transit penalties” for ride sharing, “eating out penalties”, and “shopping penalties”). Then, since qapital links to IFTTT which links to Beeminder, I can make a do-less goal that plots a point any time money is sent to each of those goals.
The downside is that this is per-transaction rather than per-dollar-spent, which could create very perverse incentives. However, since for me this about breaking bad HABITS, like eating lunch out, or buying treats when I’m sad, the per-transaction charge is appropriate.
As for what happens to the money transferred to capital, that I’m still thinking about. I think I’m going to just transfer each one back to my checking account when it hits some arbitrary number that makes that worthwhile. Not how they want you to use qapital, but whatever. (I am using Qapital to actually deliberately save money towards a goal though–every time I beemind doing my laundry or putting it away (via checking it off in complice), I save $2 towards buying clothes. I’m hoping tying my clothes-buying money to staying on top of laundry will mean I don’t buy clothes because I feel like I have “nothing to wear” when actually I just can’t find things/they are dirty.)
I’m excited about this, but I’m also just starting. I’ll let you know how it is going in a month or two.