[jcheng]

If “burning a hole in my pocket” psychology is a struggle for you, a better banking overview screen will not set you free, but YNAB will:

https://www.youneedabudget.com/

(Not affiliated, just a happy customer that finally broke decades of bad financial habits due to this app and its attendant personal finance philosophy.)

[joshspankit]

After skimming past recommendations for YNAB I looked it over just now, and because of Tangerine’s multiple accounts (max is about 15) as well as the money-transfer automation, I’ve actually been using the same principles just within my bank tools.

That’s why I was frustrated when they changed from a summary of chequing account balances to a full “dashboard” that showed all accounts.

Up until then I was doing awesome avoiding the “I’m flush with cash” triggers because I was only seeing my actual spending money and not the bills account, the rent account, and the various proactive savings accounts.

Essentially I had all the benefits of YNAB principles because of the tools Tangerine provided