I do. But if you Spend money you record it on the app along with direct debits ( only once when setting it all up) and it tells you whats In your account , before this I used a spreadsheet to keep track of what I was expecting to go out etc but I love this app. I go onto my online account make sure everything that should be coming out is tick it off on the app, job done. All our accounts are on the app so at a glance I can see the state of play. Maybe I do things differently to you, but I have been using it for the last year and I wouldn't be without it, so thought I would give it a shout out!