JP Durand
Founder of NBU · building privacy-first money tools in Montréal
JP is the founder of NBU and has spent years tracking his own finances from raw bank CSV exports — no bank login, no aggregator. He writes about privacy-first budgeting, Canadian credit-card churning, and getting clarity on your money without handing your credentials to a third party.
Articles by JP Durand
June 14, 2026
Best Budgeting App for Canadians That Doesn't Require Bank Login
Most budgeting apps ask for your banking password. Here's why that's a problem, what happened to Mint, and how Canadians can budget privately without giving anyone their credentials.
June 14, 2026
How to Track Credit Card Churning in Canada
Credit card churning in Canada is legal and rewarding — but only if you track the right things. Here's how to manage welcome bonuses, cooling periods, and cancellation deadlines without losing track.