Iām feeling a bit confusedā¦ 
what happens to previous / current targets if I change the accounts that are selected? or the categories included?
So I think Iāve found a bug 
For me, if I scroll back one month it works as intended. If I scroll back more than that I get a non dismissable info-graphic - which getās in the way of the data below. It persists for each preceding month
iOS 16
Iām giving the Target a go this month (as itās quiet January) to see if I can come in under target. I have a few connected spending accounts. What would be great is if the total saved at the end of the month, assuming I make it, could breakdown what account/s the save is from so that I can manually save those amounts from each account into a savings pot.
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Thatās cool but a sort of automated savings sweeper would be ace.
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Yeh that would be the icing. Iām thinking v1 manual, v2 auto 
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I donāt really utilise the trends tab all that much, balance/spending I prefer to use the export/dashboard but target is something Iām really growing to like.
Having it in a clear UI and all together (rather than trying to load a bloaty spreadsheet on my phone) makes things so much easier.
Not all together happy with how the Flex changes happened and what that involves but Iāve left them for now, aside from this month because I want that to come from my budget.
The update yesterday that means the budgets stick to that month 
A couple of other things Iād like to see please;
The amount per day on the main screen
How far ahead/behind I am vs my target line. I can easily tell Iām over-spending, but not by how much
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Seconded!
Iām also surprised just how much time Iām spending in Targets given my vendetta against the name the fact I donāt normally budget.
Still gonna fly the flag for it to run from the left to spend figure (or left to spend minus x percent for those sweet savings) though. That would be next level 
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Iām quite surprised at how quickly Iāve got quite close to my (what I think is quite a high) target and then how itās made me not want to go any further. Two birthdays and a puncture after christmas not ideal.
The issue I have is with self control, if I go over that target, it doesnāt really matter. I need to think of it as a hard target, after that there is no more money, rather than āIāll just take some out of my saving potā
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This is the problem I had when I started budgeting. At first I set targets, then I realised how much I actually spent and how much stuff costs!
Still, itās a process. You become more aware of spending and more conscious of saving. Going over budget doesnāt mean your budgeting process is failing.
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Very true, more than half of that spend is because of the birthdays/tyre.
Butā¦ Thereās Always Something 
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Yeah there is.
This is why I still prefer to budget manually. I average things like bike maintenance out over the year and account for them. If Iām under budget one month, I donāt save the extra because I think thatās a false economy, instead I roll it into next months spending. If Iām over, I create an (on paper) deficit. Over a year it averages out, generally.
I finished reconciling 2022 over the weekend, I kept almost exactly to budget over the year, the first year Iāve managed this in 5 years of budgeting. I bought myself a small present as a treat (it was a 3D printed dragon mini Iāve been eyeing up for years).
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My biggest downfall.
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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¦
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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) 
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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
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Thank you for your feedback 
The info-graphic should now dismiss once you have tapped on it
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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¦
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