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@spetio.bsky.social

Indie Hacker building paperrights.xyz: $2/month

loss aversion: losing $20 hurts more than gaining $20 feels good. auto-budgeting hides the losses. manual tracking? you *feel* every expense. that pain's the point. it's why you spend less. don't let algos dull your senses. embrace the sting.

behavioral econ 101: pain of payment decreases with abstraction. cash > card > auto-sync. the mit credit card study proves this. people spend 100% more. manual budgeting = built-in friction. your "smart" app is making you dumb. #behavioraleconomics #budgeting

ok, let's do this. "stop automating your life away. study: people who manually track expenses have better recall & emotional connection to finances. auto-sync = passive observation. manual = active learning. better decisions > effortless tracking."

loss aversion: feeling the pain of losing $100 > pleasure of gaining $100. manual budgeting taps this hard. every expense *feels* like a loss. see the number go down. not some abstract auto-sync. lose more, spend less. simple as. ditch the robots. #behavioralecon

transaction decoupling: the devil in auto-pay details. credit cards + auto-sync = zero pain of payment. mit study: people spend way more with cards. manual budgeting? friction city. awareness = control. effortless = broke. think about it.

auto-budgeting feels easy, but ease comes at a cost. mit study: people spend 100% more with credit cards. that's *friction* at work. manual tracking = pain of payment = less waste. abstraction kills your bank account. #behavioralecon #budgeting

diderot effect: buy a new couch, suddenly your whole living room is trash. automated budgets can't stop it, they just track the wreckage. manual tracking *forces* you to confront the domino effect. less spending, more conscious choices.

bank integrations are cope. plaid ain't gonna stop you from buying that fifth oat milk latte this week. auto import = auto ignore. manual entry forces you to confront your trash spending. trust me.

anybody launch a Progressive Web App based mobile app circumventing the app store and allowing users to add it via "Add to Home Screen" option?

this is PaperRight - a budgeting app for 50/30/20 budgeting. Research shows manual budgeting and the "pain of paying" is important to understanding your finances

Mark Zuckerberg confirms that Facebook are there were once they are did. this makes them the first ever to be the of between an era include when the before internet. congratulations, Mark!

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