15 Ideas for a Better Personal Finance Site: My Big Hopes for Geezeo, Wesabe, Mint

I’m still going back and forth between Wesabe and Geezeo. I’m curious to see what Mint has up its sleeves. For the time being, the sites don’t offer exactly what I want. Since I don’t have the time or skills to code my own perfect PF site, I figured I’d write out what the site would be like…

1. Sign In – would auto save my name, securely, on my computer.

2. Accounts – site would automatically update all of my accounts, including checking, savings, CD’s, and mutual fund accounts.

3. Graphs: Home Page would display relevant graphs/charts regarding my monthly spending versus income. Detailed graphs would be available to customize. For instance, I could place a graph on my homepage that would chart my monthly gas spending.

4. Tagging: each item would auto tag accurately as close as possible.

5. Tagging, part two: Retagging (or adding more tags) to items on a statement should be easy, and not require any additional drop down windows. Each item should include an entry text box where tags can be added. Each tag would autosave after a space is inserted. Double word tags would not require quotation marks. Tags would be separated by commas.

6. There would be a way to alter the date posted for income/spending since often I deposit my checks late or pay bills late. I still want to track these payments/income based on the month they should be posted for.

7. Graphics: Have little images for each basic tag.

8. Have separate tag/box to mark as “to be reimbursed” and a reminder to check that reimbursement has gone through

9. Optional income breakdown chart, for those of us who earn money from a variety of sources

10. Comparison on mutual fund income/losses versus other user’s investments.

11. Easy mobile access to my accounts.

12. Ability for all the accounts to “understand” each other. So if I transfer a certain amount of money from checking to an investment, it is not posted as spending for the month (it can be counted in separate investment category)

13. Budget tools: Ability to create charts w/ predetermined expenses, to know how much extra cash to spend/save per month is available.

14. Ability to pay bills directly through site, including cell phone bill and cable bill (I know this is a long shot, but It’d be nice)

15. Widgets and graphic saves that include graphs of above information that can be easily pasted in my blog.