Ismaël
@ismaelbalaghni.link
Développeur logiciel · Passionné par l'informatique · NFL (Go Patriots !) · Hockey · Baseball
I’ll stick with CE (plus the other 2 banks I need to have) but basically all will be cleaned.
Now I need to figure out what I really want to do with the phone numbers...
Now I need to figure out what I really want to do with the phone numbers...
December 22, 2025 at 3:28 PM
I’ll stick with CE (plus the other 2 banks I need to have) but basically all will be cleaned.
Now I need to figure out what I really want to do with the phone numbers...
Now I need to figure out what I really want to do with the phone numbers...
I have asked the closure of my Monabanq products (love the bank, love the app, love the products, don’t need them now), I have stopped my Twitch and Patreon subscriptions. Cancelled my Soundiiz plan as well.
It’s not much but it’s the beginning of the cleaning I needed to do.
It’s not much but it’s the beginning of the cleaning I needed to do.
December 22, 2025 at 3:28 PM
I have asked the closure of my Monabanq products (love the bank, love the app, love the products, don’t need them now), I have stopped my Twitch and Patreon subscriptions. Cancelled my Soundiiz plan as well.
It’s not much but it’s the beginning of the cleaning I needed to do.
It’s not much but it’s the beginning of the cleaning I needed to do.
Monabanq will probably get out, Klarna will probably be relegated as a basic BNPL service (which I don't use), I'll cut cards as well...
December 13, 2025 at 9:51 PM
Monabanq will probably get out, Klarna will probably be relegated as a basic BNPL service (which I don't use), I'll cut cards as well...
Since I fully commit to only one bank (and have 2 because of family requirements), I don't need the rest.
In theory, my savings will be mangled real soon as I'm 25. I hope to bring clarification (and clarity) to all this mess.
In theory, my savings will be mangled real soon as I'm 25. I hope to bring clarification (and clarity) to all this mess.
December 13, 2025 at 9:51 PM
Since I fully commit to only one bank (and have 2 because of family requirements), I don't need the rest.
In theory, my savings will be mangled real soon as I'm 25. I hope to bring clarification (and clarity) to all this mess.
In theory, my savings will be mangled real soon as I'm 25. I hope to bring clarification (and clarity) to all this mess.
I like each bank I have, I'm fully committed to one only as it's where my family banks. Since I didn't fully commit to other banks, I'm growing tired of having them. Tired of having the cards, tired of having the apps, tired of having to think to send some money there just to keep the account alive.
December 13, 2025 at 9:51 PM
I like each bank I have, I'm fully committed to one only as it's where my family banks. Since I didn't fully commit to other banks, I'm growing tired of having them. Tired of having the cards, tired of having the apps, tired of having to think to send some money there just to keep the account alive.
The issue I have with duplicates (either phone numbers, e-mail addresses, cards, or bank accounts) is simple: if I don't fully commit to the duplicate items, the novelty effect wears off and boom it falls to a pit of useless stuff.
December 13, 2025 at 9:51 PM
The issue I have with duplicates (either phone numbers, e-mail addresses, cards, or bank accounts) is simple: if I don't fully commit to the duplicate items, the novelty effect wears off and boom it falls to a pit of useless stuff.
If we purchase, I'll need a mortgage. I hope SG will make a great offer so I can be back.
November 23, 2025 at 4:34 PM
If we purchase, I'll need a mortgage. I hope SG will make a great offer so I can be back.
CE ? Main bank for now
LCL ? I wanted to get rid of it but I'll keep it
CGD ? For now I keep
Monabanq ? It'll probably go next year (probably january or february > needs change)
Klarna ? Small purchases
My goal? See if I can save enough so all of us can move out
LCL ? I wanted to get rid of it but I'll keep it
CGD ? For now I keep
Monabanq ? It'll probably go next year (probably january or february > needs change)
Klarna ? Small purchases
My goal? See if I can save enough so all of us can move out
November 23, 2025 at 4:34 PM
CE ? Main bank for now
LCL ? I wanted to get rid of it but I'll keep it
CGD ? For now I keep
Monabanq ? It'll probably go next year (probably january or february > needs change)
Klarna ? Small purchases
My goal? See if I can save enough so all of us can move out
LCL ? I wanted to get rid of it but I'll keep it
CGD ? For now I keep
Monabanq ? It'll probably go next year (probably january or february > needs change)
Klarna ? Small purchases
My goal? See if I can save enough so all of us can move out
I forgot SG in the whole package. My true favorite bank is SG. LCL comes second. They're both banks I wanted to be a part of for a really really long time. BforBank and Monabanq come next as I like them.
Reflecting on the whole question now makes me wonder what I should really do.
Reflecting on the whole question now makes me wonder what I should really do.
November 23, 2025 at 4:34 PM
I forgot SG in the whole package. My true favorite bank is SG. LCL comes second. They're both banks I wanted to be a part of for a really really long time. BforBank and Monabanq come next as I like them.
Reflecting on the whole question now makes me wonder what I should really do.
Reflecting on the whole question now makes me wonder what I should really do.
My favorite banks are: BForBank and Monabanq. Even though I deeply prefer my bank (CE), I like them. Bforbank reminds me of Chase UK, clean app, clean cards (they aren't that clean now). Maybe Bforbank is better for my objective now.
October 5, 2025 at 7:56 PM
My favorite banks are: BForBank and Monabanq. Even though I deeply prefer my bank (CE), I like them. Bforbank reminds me of Chase UK, clean app, clean cards (they aren't that clean now). Maybe Bforbank is better for my objective now.
I wanted to get rid of LCL, I won't. I wanted to get rid of Monabanq, I did, only to open it back a couple of months later. This is where I need to do heavy work. I HAVE to close side accounts.
Do I need multiple premium cards? No I don't. Do I need multiple bank accounts? No I don't.
Do I need multiple premium cards? No I don't. Do I need multiple bank accounts? No I don't.
October 5, 2025 at 6:04 PM
I wanted to get rid of LCL, I won't. I wanted to get rid of Monabanq, I did, only to open it back a couple of months later. This is where I need to do heavy work. I HAVE to close side accounts.
Do I need multiple premium cards? No I don't. Do I need multiple bank accounts? No I don't.
Do I need multiple premium cards? No I don't. Do I need multiple bank accounts? No I don't.
What are the next steps? I don't know.
October 5, 2025 at 6:03 PM
What are the next steps? I don't know.
Am I confident in achieving my goal of cleaning and sanitising my finances? I still am. I have a clearer view on my spending, I now have a number and I know that much more is taken each month.
October 5, 2025 at 6:03 PM
Am I confident in achieving my goal of cleaning and sanitising my finances? I still am. I have a clearer view on my spending, I now have a number and I know that much more is taken each month.
What’s more complicated is that my debit card is a deferred debit card. This means all my card payments are taken from my account at the end of the month, not gradually. As a result, most of my banking app’s budgeting features are rendered useless.
October 5, 2025 at 6:03 PM
What’s more complicated is that my debit card is a deferred debit card. This means all my card payments are taken from my account at the end of the month, not gradually. As a result, most of my banking app’s budgeting features are rendered useless.
It’s tempting to do what I’ve mentioned, but I need to do it over a year because some subscriptions are paid annually, not monthly.
The most complicated part is not subscriptions that directly deduct money from my checking account, but those paid by card.
The most complicated part is not subscriptions that directly deduct money from my checking account, but those paid by card.
October 5, 2025 at 6:03 PM
It’s tempting to do what I’ve mentioned, but I need to do it over a year because some subscriptions are paid annually, not monthly.
The most complicated part is not subscriptions that directly deduct money from my checking account, but those paid by card.
The most complicated part is not subscriptions that directly deduct money from my checking account, but those paid by card.
Basically, I always keep a certain amount in my savings. If I need to do a hard reset, I can transfer the necessary funds to a new account, set up payments on the new card, lock the old one, and wait for any payment failures from websites I might have forgotten.
October 5, 2025 at 6:03 PM
Basically, I always keep a certain amount in my savings. If I need to do a hard reset, I can transfer the necessary funds to a new account, set up payments on the new card, lock the old one, and wait for any payment failures from websites I might have forgotten.
However, there’s progress. I’m still saving money, but it takes much longer than I thought. I’ve referenced all my subscriptions and calculated the final amount: ~€680 per month.
This means that if I want to start from zero, I should open a new account with this amount.
This means that if I want to start from zero, I should open a new account with this amount.
October 5, 2025 at 6:03 PM
However, there’s progress. I’m still saving money, but it takes much longer than I thought. I’ve referenced all my subscriptions and calculated the final amount: ~€680 per month.
This means that if I want to start from zero, I should open a new account with this amount.
This means that if I want to start from zero, I should open a new account with this amount.
I firmly believe that at the end of the year, LCL will be gone as well. We still need to convince my grandmother but it will be gone. However, that account is OLD, it has 20 years. Mine is only 4...
May 29, 2025 at 10:24 AM
I firmly believe that at the end of the year, LCL will be gone as well. We still need to convince my grandmother but it will be gone. However, that account is OLD, it has 20 years. Mine is only 4...
I still think that at the end of the year, I will be at a much better place financially. I'm cleaning my investments, I'm cleaning my spending.
May 7, 2025 at 3:32 PM
I still think that at the end of the year, I will be at a much better place financially. I'm cleaning my investments, I'm cleaning my spending.
Of all my co-workers, I can safely say that less than 10 bank with multiple institutions. Less than 10 on ~40-50 people.
March 12, 2025 at 9:40 PM
Of all my co-workers, I can safely say that less than 10 bank with multiple institutions. Less than 10 on ~40-50 people.
I'm getting close to what I want. I'm cleaning stuff, I should go back to 3 banks while my relatives also have it. My objective is to end up at my main bank and only bank with them. It will take more time though.
However, I already use one debit card more than the others.
However, I already use one debit card more than the others.
March 12, 2025 at 9:03 PM
I'm getting close to what I want. I'm cleaning stuff, I should go back to 3 banks while my relatives also have it. My objective is to end up at my main bank and only bank with them. It will take more time though.
However, I already use one debit card more than the others.
However, I already use one debit card more than the others.
I said most but it’s actually 95% of them. In my close friends group, there’s 5 of 10 people (me included) who bank with multiple institutions.
January 17, 2025 at 6:53 PM
I said most but it’s actually 95% of them. In my close friends group, there’s 5 of 10 people (me included) who bank with multiple institutions.
Most of my coworkers only bank with one institution and not multiple. Do we really need to have more than one bank? I don't think. I have to do like them. Like my mother.
January 12, 2025 at 10:10 AM
Most of my coworkers only bank with one institution and not multiple. Do we really need to have more than one bank? I don't think. I have to do like them. Like my mother.