The article do users change their settings remembered me about a program I wrote as a student. I created a tool to categorize my expenses similar like Yunoo a.k.a. Afas Personal. This was however a local application. Why the heck should you share your finances on the internet? But let me go back to my memory. At the time I started building the application I did a little bit of research if there was this kind of software available. Sure there was, I just thought it didn’t look nice so I build it myself using Swing (I do know better now ;-)). I was just a little bit overconfident and suffered from the NIH syndrome.