After analyzing the user reviews on the Apple App Store, here are three cons and pros of the "Money Up" app: Pros: 1. "Easy to use and understand, great interface to track daily expenses." 2. "Helpful for setting financial goals and staying on track, accountability feature is key." 3. "Notifies me when I overspend, alerts to stay within budget, very useful." Cons: 1. " Limited customization options for categories and budgeting plans, would be nice." 2. "Some glitches and bugs that prevent me from syncing with banks, frustrating." 3. "Would like to see more advanced analytics and reports for better insights." Note that these points are based on the user reviews on the Apple App Store and may not be comprehensive or entirely accurate representations of the app.