Read them one at a time. See how many you’d actually admit to.
I have money in more than one bank, and no single number for all of it.
I open three banking apps to answer one question: am I OK this month?
I set myself a budget at the start of the month. By the middle, I’ve no idea if I’m still on it.
I know my balance today. I couldn’t tell you what’s left after rent, subscriptions and the card bill go out.
I know the direct debits are coming. I couldn’t say for sure there’ll be enough in the account when they hit.
I know my credit card gets paid off every month. I couldn’t tell you the amount before it’s taken.
I only find out money is tight once it’s already tight.
I couldn’t say how much of my card limit I’m using right now.
I keep my money at different banks on purpose. No single bank needs to see all of it.
My bank keeps inviting me to connect my other accounts. I keep saying no — I’m not opening everything up to one bank, let alone a network of third parties.
Every time a bank or finance app gets breached, I wonder whether my data was in there.
That’s the gap between a balance and a cash position — and the reason you haven’t closed it is a good one. Syandix Cash closes it without asking you to give anything away: one private ledger across every account and card, budgets you can check at a glance, and a liquidity projection for the period — expected income in, fixed obligations and card payments out — so you know whether you can cover them before they’re due.
Everything is stored on your phone and nowhere else. There’s no Syandix Cash server, no database, no bank login and no account linking — so there’s no central store of your finances for anyone to breach, and no third party with a view of them.
See how Syandix Cash fixes it →