Category: iOS Tutorials

Hint: Zero-in on a location. All you need is a comma.

A new feature gradually appeared in the Toshl Finance apps in the recent months. Wondering if you’ve noticed it already?

 

Let’s say you’re adding a location to your expense or income, but are already far away from the place where the purchase happened. Normally, Toshl suggests closest places around you. When you search, it will also search for venues in an about 30 kilometre radius. That can be quite useless when already further away.

 

That’s why you can now specify the town or city where the expense took place. Simply type-in the name of the venue you’re looking for, add a comma (,) and add the town or city where the venue is.

 

For example, let’s look for a pub called “Godec” in Ljubljana*, the capital of Slovenia.

Search for: “Godec, Ljubljana”

 

location searching with town / city parameter

expense with foursquare location selected

 

There you go. Your beers can now be properly attributed to your purveyor of choice, even if you’ve only thought of noting it in Toshl the next day.

 

*Yeah, Ljubljana is actually spelled that way. Pronunciation isn’t that difficult though, just go with: “Loo-blah-nah”, like most locals do.

Posted in Android Tutorials, Announcements, iOS Tutorials, Tutorials, Web App Tutorials

Two-Factor Authentication and How to Use It

What is two-factor authentication?

Two-factor authentication is an extra layer of security for accessing your Toshl user account. You would normally log in to Toshl with your email and password, or using the Facebook and Google log in options. That’s the first authentication factor.

When you activate two-factor authentication, Toshl will ask you for another code before you can log in. That authentication code is a 6-digit number, which you get from a special app on your phone or computer.

The authentication code is generated automatically according to an algorithm. Unlike your password, the authentication code changes every 30 seconds. That means you’ll always need the authentication app on your phone present to log in.2-factor authentication Toshl web app

 

 

Why is two-factor authentication important?

It makes it much harder for someone to gain unauthorized access to your account. While protecting your account with a good password is usually enough, there can be circumstances where such an extra security barrier is very useful.

For example, if you used the same password on another service which gets hacked, the details can leak revealing your password. Perhaps someone can guess your password or gain access to your Facebook or Google account. In such cases, someone could try logging in with that password to Toshl as well.

If you have two-factor authentication enabled and set up on your phone, they would also need physical access to your unlocked phone to be able to log in, which would likely prevent them from accessing your Toshl account.

While two-factor authentication provides an important extra layer of security, it’s still important to take basic security precautions:

  • Use hard to guess passwords, which are also long enough to be difficult to guess with automatic attempts.
  • Do not use the same password on several services.
  • Always log out of Toshl when using it on devices used by multiple people, or on devices which you leave unlocked.
  • Lock your devices with a code/password.

Toshl monster with a number and shut mouth

 

 

How do I set up two-factor authentication?

  1. Go to toshl.com and Log in.
  2. Go to user settings (Me) in the main menu and turn ON the option Two-factor authentication.

  1. A wizard will open, guiding you through the process.
  2. Download an authentication app on your phone.
  3. Add a new code in that app by scanning the QR code on your screen.
  4. Download the file with recovery codes. This is important. In case you lose your phone, these codes will enable you to log in. Save them in a safe place.

text file recovery codes download icon

  1. Type in the newly generated code to Toshl to confirm all is working well and finish activating two-factor authentication.
  2. Great success! Much rejoicing. 2-factor authentication is now active whenever you log in.

great success bathing suit monster

 

 

What are these authentication apps? Which ones can I use with Toshl?

This kind of two-factor authentication follows a common standard, so there are a whole bunch of apps which can help you with generating these authentication codes, once you set it up like described above.

Below are some popular authentication apps that we found useful. You can use others as well, just make sure you pick one from a trustworthy developer.

Google Authenticator (Android, iOS)

Microsoft Authenticator (Android, iOS, Windows Phone)

Authy (Android, iOS)

 

Password managers with support for two-factor authentication codes

1Password

LastPass

 

Do I have to enter this every time? Which Toshl apps demand the extra code?

You have to enter the code every time you log in, provided you were logged out before.

The web app will require the extra code whenever you log in anew. If you check the “Remember me” option when logging in, Toshl won’t request the two-factor code until the next time you Log out, or the session expires. So if you log in using “Remember me” then just close the browser without logging out, you likely don’t need to enter it again the next time you open toshl.com.

The mobile app will also require the extra code whenever you log in anew. So you just enter the two-factor code the first time you log into the app, then your log in is remembered unless you log out in user settings (Me) of the mobile app.

If you re-install the app or log out, you will need to enter it again.

two-factor authentication on the Toshl Finance Android app

It’s a good idea to lock the Toshl app with a passcode or fingerprint as well as your entire phone.

 

What if I lose my phone or accidentally delete the authentication app?

Try not to (👨‍✈️ salute to Captain Obvious). If you do, you can log in using the recovery codes you saved during the set up process.

It’s very important to save the recovery codes and store them in a safe place. Save them on your computer, external drive or even print them out, if you’re more certain you’ll find them that way later on.

Recover code 2 factor authentication Toshl web app

 

When Toshl asks you for the authentication code, click the option to log in using recovery codes. Enter it and log in. Each code can only be used once, so you have 10 log-ins with the codes available altogether.

If you permanently lost your phone or deleted the authentication app, go to user settings (Me), deactivate the two-factor authentication, then set it up again using the new device/app.

 

Why not send authentication codes via SMS?

We realize that’s what a lot of other services do, but that way is less secure. It depends on your mobile phone service provider, but in lots of cases it didn’t take much social engineering for dedicated hackers to convince them to transfer the phone number to another SIM card. That way, your authentication codes could be intercepted without you even knowing. There have been cases of this happening in the past.

 

 

monster with a safe

Posted in Android Tutorials, iOS Tutorials, Tips & Tricks, Tutorials, Web App Tutorials

How to Track Loans, Repay Debts and Deal with Your Friendly Neighbourhood Loanshark (iOS)

Toshl_2.0_monster_0057_58We have almost certainly all been there at some point – borrowing money, launder loaning money, forgetting about loans, etc. Be it a small amount for drinks, because you forgot your wallet, or a bigger sum because you chose to buy something expensive that you obviously really, really, really needed.

So, how to go about tracking and dealing with the dynamics of loaning and borrowing money? Fear not, for Toshl is here for you again, not in the money loaning business though, but in the business of helping to track loans and debts – or simply Hilfespurverleihenborgengeschäft, as the Germans would put it.

 

Track major debt repayments

Let’s say I want to buy a new Ferarri for $3200, but I am just $3100 short for it. What do I do? I go to a guy* I heard you can get a loan from, that hangs out behind the parking garage in the shady part of town every other night (because he has kids). I ask him for a donation towards my cause and after a few laughs, I promise I would pay him back in ten months with $1900 interest. I get the money, and now I have to settle the $5000 debt in ten months, which makes for $500 per month. Because I use Toshl, the best loan app around, I know this will be a piece of cake and I will not get my legs broken in the process.

 

1. Add income marking the received loan

I put the $3100 in Toshl as an income, category ‘Loans’, account ‘Cash’, plus I put ‘Drago’ in the description – which is supposedly the guy’s name and also means ‘expensive’ in some languages. Just so I can be precise when I tell my grandchildren about my first Ferrari.ios_inc1

Ok, we got the money, we got the income from the loan marked, now to go about tracking the debt.

 

2. Add a new account to track the repayment of debt

I make a new account for the debt, called ‘Drago’ and set up the initial balance as ‘-$5000’ which is the total amount of the debt, including the interest.
ios_adacios_acclist

 

3. Add transfers to note the debt repayments

To note the repayments as I return the money to Drago in monthly instalments, I make a transfer of $500 from account ‘Cash’ to account ‘Drago’, date it on the day of the first payment, set it up to repeat every month for ten months and set up reminders for it. Now I will be reminded to take the $500 to him every month, and the ‘Drago’ account will get out of red numbers over the ten months.ios_adtr

ios_not

That’s it!

 

Track smaller loans to friends

Let’s take a look at another, simpler case. Let’s say I lend $4.99 to a fellow car enthusiast for a little 1:100 plastic Ferrari model.

 

1. Note the loan as an expense

I give him the money, put it in Toshl as expense, category ‘Loans’, account ‘Cash’.

If this is a one-off loan, I can put the guy’s name in description. If I lend to this guy often, I could also put his name in a new tag on the expense. That way I can easily sum up everything he owes me.ios_adex

 

2. Note the loan repayment as an income

When he pays me back after seven and a half months, I just enter it as an income with appropriate tags, etc. This way I can always track borrowing and loaning entries.

Alternatively, I could just erase the loan expense, but that wouldn’t give me any insight on the loan later on.

ios_inc2

Bob’s your uncle! Use whichever method works best for you or be creative and invent your own system. That’s it for now from our secret volcano base, ta ta!

*Toshl does not recommend taking loans from random guys behind the parking garage, nor can we provide phone numbers of any specific guys providing such loans. A bank would probably still be a better bet, although their moral compasses might not be in much better shape, compared to the guy behind the parking garage.
Posted in Debt, iOS Tutorials, Personal finance, Tips & Tricks, Tutorials

Emojify your finances

In Toshl Finance, every expense or income gets a category, so you can quickly note what you’ve been spending on.

capture-decran-2016-09-22-13-46-58

When you first sign up on Toshl, your account comes pre-filled with some of the more commonly used categories and tags, which should cover most of your needs. That way, you can start using it immediately and not worry about setting up an entire tagging system from scratch.

Our financial lives can differ quite a bit, so it’s important to keep this system versatile. That’s why you can add new, custom categories and tags to fit whichever purpose your spending goes towards. Every existing category or tag can also be edited.

To keep this categorisation system easily customisable and universal, Toshl does’t add icons to any of the categories in advance. But this doesn’t mean you can’t liven up your Toshl account with icons yourself.

No need to get out your drawing pencil or start looking for images around the internet. Luckily we have emoji! A handy collection of icons, already there in a virtual keyboard near your fingertips.

 

How do I add emoji to my personal finances?

Simple, when adding an expense add a new category or tag. When typing in the name, switch the keyboard to emoji and tap in whichever title and emoji you want.

Spice up European UnionAdding a category for my projects to spice up European Union politics.

You can add an emoji icon in addition to your text category or tag. If you’re more courageous and sure to understand your symbolism later on, you can also opt to save categories with only emoji instead.

At the moment, categories and tags can be added in both native mobile apps (Android, iOS) and web apps, but editing existing categories and tags is only available in the web app.

To add emoji to your existing categories, log in on toshl.com then go to Expenses / Edit categories.

Click on a category or a tag inside a category, click Edit next to it and fill in the name with the emoji.

emoji keyboard mac

 

How to activate the emoji keyboard on a Mac?

Press the keyboard keys control + command + space bar simultaneously and the emoji panel will pop up.

You can also click Edit in the menu bar on top of the screen, then click “Emoji & Symbols

 

How to activate the emoji keyboard on Windows 10?

Click the touch keyboard icon in the bottom right corner of the screen.

The on-screen keyboard will open up. Click the smiley face emoji icon, just left of the space bar.

Emoji keyboard will open up. You can change emoji categories in the bottom row.

Once you’ve done a bit of editing your categories can look like this:

capture-decran-2016-09-22-13-38-54

The new categories will liven up your expense adding and lists as well.

capture-decran-2016-09-22-13-36-28

capture-decran-2016-09-22-13-46-58

Any changes you make to your categories and tags in the web app will automatically sync to your iOS and Android mobile apps.

Add expense with emoji on iOS

Expense list with emoji iOS

As makers of mobile and desktop operating systems each design and use their own set of emoji, the style might look a bit different when seeing them on a different platform. The emoji will be the correct ones, with the same meaning, but the styling of the icon might vary a bit.

 

 

If you’ve set up a very nice custom system with your emoji we’d love to see it. Perhaps we’d even publish it in a future tutorial or post, with your express permission, of course. If you’ve made such a creation, please send it to support@toshl.com. Can’t wait to see what emoji combinations you come up with!

 

toshl_2-0_monster_0041_42

Posted in iOS Tutorials, Tips & Tricks, Tutorials, Web App Tutorials

Filtering Your Financial Data and Making Needles Easier to Find Than Haystacks (iOS)

We have a bunch of filtering options available in Toshl. Let’s take a look at filtering by account in Toshl iOS app.

 

Accounts and time span can be accessed by swiping from the right edge of the screen or tapping the time span in the upper right hand corner of the screen. Like so:

 

Filtering by account

You can enable or disable displaying specific accounts and the entries tied to them. By default ‘All accounts’ are displayed, meaning the app is showing expenses, incomes, budgets, etc. from all accounts.allaccIMG_0114

 

The active setting is shown under time span in the upper right hand corner of the app, so you can quickly asses which accounts are enabled just by glancing. If more than one account is selected but not all, this will be noted as ‘Custom’.custIMG_0116

 

If all are disabled , it will be noted as ‘No accounts’. If only one is enabled, it will display the name of that account e.g. ‘Cash’.noaccIMG_0112cashCCIMG_0110

 

This setting is global and will effect every graph and list in the app – except the budget section. So if you think you are missing some data, check the accounts to make sure.

 

Quick tip:

  • You can also quickly switch accounts or time spans by swiping the account or month left or right. Open the right sidebar, then grab the red button where it says “All accounts” and flick it left or right. That way you can quickly cycle between accounts without setting ON/OFF switches each time.

 

 

Filtering by category, tag and location

 

Filtering by these other criteria is not (yet) available in the mobile apps, but will likely be in the future. Until then, you can use the web app on toshl.com to filter by category, tag or locations.

Check out the tutorial for filtering in the web app.

extag

 

 

There are also detailed filtering options present on the export & reports screen. These are separate just for data exporting and reports, and are basically all other filtering options merged in one screen.

 

That’s it! Check out the filtering, play around with it and always remember to keep an extra bussiness card in your wallet! Just in case you’d need another kind of “filter” altogether. ;)

It’s a good idea to have some extra business cards in any case.

Posted in iOS Tutorials, Tips & Tricks, Tutorials