Targets only clicked for me when I set it up to work on my free to spend amount. So excluding bills, regular payments, things Iād set aside in pots etc.
The one thing that would make it really eye popping for me would be to be able to have it off of my Left to Spend amount in the current account. Thatād be epic.
Agreed, and I understand thatās what the Balance tab is supposed to be for to an extent, but itās all a bit bare.
Give me the Balance graph with the info from Targets, along with being able to set targets per category and Iāll be happy.
What happend with Trends in summer 2022? 
Until then, it had no problem to show individual Trends for separate Revolut currencies.
Now, itās always referring to GBP Trends, regardless Iām trying to review my ā¬ or any other 
This is exactly my issue. January is car insurance month and the Mrsā birthday. And thatās before I bought a new iPad i had no need for 
.
Problem for me is that some of my bills/expenses I categorise as something I might categorise a daily spend as so I have to choose to either include it or not and not have target quite right.
Thatās what Iām trying to use it for but those pesky extra payments to Flex or credit card mess it up.
So I track these as additional purchases (not in trends cos I donāt use Monzo) but in Lumio. But the same should work for target.
I have my target which lets say is Ā£1000. But I also have car insurance which is Ā£500. So I put the latter down as a different category.
It doesnāt affect my monthly target but I can still see that I spend more than that this month on a special purchase. Iāve still accounted for the money.
Visibility is key here, I think.
Iāve just noticed my previous months numbers arenāt correct and it seems to be because not all the accounts are ticked and there doesnāt seem to be a way to update it, the checkboxs are greyed out? Previously I wasnāt including my joint account but now I want to (historically as well).
Thatās a sad reality of Monzo changing the app to store previous targets and the accounts they related to at the timeā¦ you canāt go back and reanalyze your targets in this wayā¦
Yeah, I really like the fact they keep it over time - but I kinda want to go back and change some/all of my previous budgets.
I preferred it when you could. I canāt measure if Iām improving like this 
Yes, I too miss the flexibilityā¦ Iām no longer sure if itās me thatās not using targets correctly, or if targets has a fundamental flawā¦ maybe I donāt really understand the problem it is seeking to solveā¦ 
I think in the context of what Monzo (I think!) is aiming for with targets, having swipable graphs that go back months isnāt very useful. If I think about how summary works, you have the target for the month and then spending summary for the previous months.
Feels like thatās an easy fix for some users, me included.
Yeah, I guess I was just after a discretionary spend version of the spending tab (with a target ideally) but thatās not what theyāre building. The way it worked before the locking of previous months was better for what I was going to use it for.
Iāve shelved the use of trends and balance until a better roll out of basic functions becomes apparent. The total lack of being able to adjust for 4 weekly pay / 28 day periods just makes the whole experience miserable
Is there anyway to just set a āLeft to Spendā calculation in Trends like the old summary version?
Alas no - at least not right now.
A few of us would love Targets - still a terrible name - to run off of that figure. But maybe Monzo has something else planned for it. Unless theyāre killing the concept theyāll need to replace it somehow before they can retire Summary.
sorry Ive tagged you but saves āreplyingā to the last post which has nothing to do with my query
I canāt understand the logic you have used of āneeding to spend Ā£620 a day to stay within targetā ā¦and if I do āyouāll save Ā£11494.27 this monthā ??? with a Ā£10000 budget for the month ā¦
Yay where do i find this Ā£11494 savings ?
Agree with this. The writing around this could be much tighter and much better.
To take one example, āyou need to spend X a day to stay withinā¦ā totally sets the wrong expectation. You shouldnāt be aiming (or needing) to spend that. You should be looking to spend less than that amount.
Words matter and here theyāre nudging you to spend rather than to come in under budget.
but what am I "saving"if I spend all my budget - compared to last year , last month , my average January spending over the lifetime of the account ???
