From what I can see changing the accounts / categories included in this monthās targets also changes them for previous monthāsā¦ but the previous monthās targets remain unchangedā¦
So going from targets based on 2 accounts, to targets based on 6 accounts shows Ā£1k overspends in most of my previous monthās targets.
At this time iām not convinced that itās really that valuable to me as I reconfigure targets to look at accounts in isolation and a number of different combinations ā¦
Thank you for your post - there was indeed a bug with the change released on Thursday 
I have now released a fix which means your selected accounts and excluded categories for previous months should also be respected (i.e. not update when you edit your target for the current month) 
I think Iām a convert to how this works.
What I really care about is my discretionary spend, my bills are my bills. Iāve got to pay those but the Amazon orders and McDonalds for lunch, not so much.
Iāve excluded fuel from mine, as thatās pretty much a bill to me. Transfers etc I didnāt ever want to treat as spend, like round-ups, so I agree with excluding those.
The Flex change Iām not 100% sold on, but for now Iāll just recategorise and roll with it. The recent change being able to adjust it month-to-month is great.
Iāve configured my dashboard to reproduce the same figure so Iām looking at like for like too, so now I can really focus on what I spend on my āwantsā
Thank you for your feedback 
The info-graphic should now dismiss once you have tapped on it
So my credit card bill went through today and because I have my credit card included in Trends the repayment is showing as a gain, which means my spending for this month is currently completely messed up.
The repayment is still a pending transaction so Iām assuming once it goes through itāll categorise properly and thatāll fix everything.
But itās not a great experience - I apparently now have 92% of my target left to spend in two weeks, soā¦ lucky me!
Perhaps pending transactions should be (optionally?) excluded?
I think Targets is displaying a bug for me. If I swipe back a month the Target graph disappears and is replaced by a card showing over/under target value. I canāt then swipe back further or forwards to current month. Iām stuck on that month, with no way of moving unless I click Balance tab, swipe back to existing month and then press Target tab the current month and graph shows.
Hi Paul - that certainly sounds like a bug
Could you give me a few more details to help me narrow down what might be happening?
How many months are you swiping back? Does this happen as soon as you swipe back once from the current month?
Are you able to share an image of the card you see (with any personal information/amounts obfuscated)?
Which accounts do you have included in your target? Your Monzo account, pots, external accounts, or any combination of the three?
Sorry for the issue - weāll try and get to the bottom of it as soon as possible!
@JackIngleton I had one account selected in last months trends, and six selected in this months trends. when I swipe backwards I get a trend graph drawn for the six accounts before it is redrawn for the one account in last months budget. and similarly when I swipe forward from last month to this month I see a graph drawn with one account, before being overwritten with a graph including the six accounts in this months trendsā¦ It appears visually distractingā¦
I found what I would call a UX bug. A rather large monthly credit card payment results in seeing this in the Target tab, because it treats a pending payment as an expense and there is no way to recategorise it until it clearsā¦ so I will be seeing it like this for several days until the transfer clears and I can recategorise it as a transfer.
I would really like to be able to categorise pending payments immediately.
Just reported the same thing above. My payment cleared today and Trends returned to normal once the payment was categorised properly.
Agree about categorising or excluding pending payments.
Hi Jack, thanks. I canāt swipe back past the last month - so December. It stuck on that month. Yes it happens as soon as I swipe back. This is what I see:
I experienced this. I force closed the app (swipe up from bottom, close on iOS) and then it went away.
It isnāt going away for me.
Iām mid month testing Targets and Iāve encountered a problem - for me at least. Making payments to a credit card shows as a Transfer so excluded. Iām happy with this approach.
However this means that my Target āLeft to spendā is higher than what Iāve got left in my accounts, combined. If I change the category on the credit card payment to e.g. Groceries, that messes up the Spending tab as instead of spending Ā£100 on groceries, Trends thinks Iāve spent Ā£200.
Itās made worse by the Joint Account not being able to use custom categories. Iām struggling to find a workaround. How do others here get round this problem?
I donāt. I get Fannoyed by the lack of custom cateogories (and all other Parity/Plus/Premium issues) with JAās.
Ditto really.
JA is bills and food shops, few things for the house etc. So I just ignore it completely for trends and donāt dig any deeper with it.
If a Tesco shop is shopping and not groceries and I notice it, Iāll change it, but I just leave it 95% of the time.
JA aside, it feels like the Target element is flawed with extra payments to eg credit card or even Flex. Itās a shame as I canāt see a solution as paying off extra to a CC will always mean your Target left to spend is more than youāve got.
Itās strange as when I put Ā£500 to spend it always shows more available when i actually donāt have anything left in my account. Surely can be set better so when my salary gets paid in, it should automatically say āafter bills you have Ā£ leftā that is what Iām looking for in a bank.
Thatās what āleft to spendā does. If itās not accurate then change your budgets/budget period.
Target is something different (sort of)
