That's fine if it works for you. Unfortunately, perhaps fortunately, I take my finances seriously and will not trust my records to what is a one man band with no real plan other that to keep things as they are. No business or product ever succeeded by being dormant and I am not tying myself into something that in a lot of ways is archaic (ref not having scheduled transactions or a mobile app). It is a personal thing of course and if you are happy with that then that is also great.