Focus Friday - Break up with your bank

2 min Read ⏰

If you're trying to master your budget but still banking like it’s 2009, you're making it harder than it needs to be. One of the easiest wins in your financial life? Change your bank. Seriously. A good banking setup is the operating system for everything else — spending, saving, tracking, automation.

So, here’s the pitch: Switch to a smarter bank. I moved to Revolut (other banks are available), and it’s been a game-changer. Here’s why:

1. Total Visibility
With Revolut (and similar apps), you get instant clarity. I can see what I’ve spent today, this week, this month — broken down by category. Groceries? Subscriptions? That random late-night order for a new watch? It’s all there. Real-time insights kill guesswork. And once you have visibility, you start making smarter decisions — fast.

2. Built-in Structure
The second win: Vaults and spaces. I’ve set up separate pots for groceries, fuel, holidays, annual bills, and more. Money lands in the right place as soon as it hits my account. There’s no mental juggling. This is especially useful in relationships — you can run a joint pot for shared expenses without merging everything. Clarity without chaos.

3. Automation = Freedom
Most people budget manually, then wonder why it doesn’t stick. But with the right banking tools, your budget runs itself. I’ve set rules: transfer X to savings, Y to investments, and Z to “fun money” — all on autopilot. That removes the temptation and removes the decisions. You don’t need to think, set it up once and forget it.

The Wrap-Up
This isn’t about brand loyalty. It’s about using the best tools for the job. Your bank should give you clarity, structure, and automation — the three essentials for mastering your money. If your current bank doesn’t offer that? Move. You deserve better.

Switching banks takes 30 minutes. But the clarity it creates? That lasts.

^{NOTE: I am not a financial advisor, planner or have any formal healthcare education. &Prosper is simply a way for me to share my own journey and offer resources I have found useful. With this, I am starting from near zero and I hope to show that anyone can significantly improve their health and financial wellbeing.}