Can someone explain the graph?


(Simon) #2

I’ve not been able to work it out either, it also tends to get stuck and takes a lot of scrolling back and forth to get it to move again.
I do use it to see if my money will last to the end of the month or if I need to spend less, I find it quite good to get a rough idea.


(Sendu Bala) #3

How are you able to interpret the graph to “see if my money will last to the end of the month”?

My default view is the last transaction or two on the left, then the graph slopes down to zero on the right. Is this supposed to mean something?


(Naji Esiri) #4

@sendu There’s a lot going on here and we’re looking into recreating this behaviour to get to the bottom of the issue. Essentially, the pulse graph is supposed to show your spending throughout the month in a clear and easy to understand way - which it doesn’t seem to be doing too well in your case!

The syncing of the graph position, feed scroll position, and labels are likely to seem off if there are big gaps in your usage, which could go some way to explaining what you are seeing.


(Simon) #5

Depending on how fast I’m spending money the end of the graph on the right moves up and down. If the graph reaches the end I’m good, if it gets to zero before the end I need to spend less.
The problem I have at the moment is my rent which comes out at the end of the month and screws up the graph. I’m keeping rent money in a separate account at the moment until the day before it’s due. Patiently waiting for pots which will hopefully mean I can separate bill money at the start of the month.


(MikeF) #6

In the fullness of time, I think we’re also looking for the graph to be more intelligent about repeated payments so it will understand about the rent at the end of the month and display accordingly.


(Simon) #7

Agree that would be ideal. Not sure how to make its behaviour logical and obvious though. Some design challenges there for the team I think…


(Marta) #8

Kill the graph! Or at least make it toggleable, before it comes to Android and clutters my beautiful app. :smirk::smirk:


(Eve) #9

I love that the CA app doesn’t have it now :joy: I’d forgotten what having all the space was like!


#10

Monzo’s graph and Starling’s ‘pulse’ (pie chart) are designers’ indulgences that users care little for and, ideally, don’t want.


(Eve) #11

I feel bad not liking them but they just don’t really work for me. The Starling pulse would be infinitely better if it was weekly or monthly (I’m thinking something like the Life Cycle app visually, broken down into categories/ stores), and if it was moved somewhere else (I’d prefer to see transactions first). The graph on Monzo would be useful for people who budget or put in a set amount each month/ use overdrafts, but I just spend as I go and don’t bother with saving or anything.


(Simon) #12

Lol, ‘just spend as I go’.

I did that last month and spent nearly six grand. I have to budget to some extent otherwise I’ll be broke before I know it!

The graph is helpful for me to reign it in, i see quite a lot of people don’t like it but hope we can keep it for people who use it.

I used to use an external budgeting tool but doing it in my banking app is much better


(Heather) #13

I also don’t really care for the graph so I tend to ignore it completely


(Brexit Day Is Gonna Be Shamayzing.) #14

Same, I hate it and I have said this many a time but for some reason it is forced on us as it’s supposed to be ‘useful’ for everyone…


#15

I agree the graph really isn’t that useful. I get that it might be more useful in time if you have DD and salary going in and out through your Monzo account. If however you’re using it as a “spending account” as Monzo say you can then why do you need the graph? We should at least be able to toggle it


(Brexit Day Is Gonna Be Shamayzing.) #16

I have said this to @hugo loads of times but alas he won’t change it :disappointed_relieved:


(Eve) #17

I have a separate app for tracking my spending across banks, PayPal, and wallets, so that might be one reason why I’m not using it. I really do like the spending tab though. I like setting visible limits to each category (not so much busting them almost every month) but my budgeting mostly is just me telling myself that I don’t need something :woman_shrugging:t2:

Starling pulse is less visually appealing imo, but after you swipe past that annoying screen on there, it is just transactions which is great. If the pulse graph could integrate more info upon tapping like this amazing design project suggested (Theoretical Design Ideas for Master's Project) I would appreciate it a lot better.


(Hugo Cornejo) #18

Come on, you know this is not me not wanting to change something just to make you unhappy :frowning: I’d kill for each and every of you to love 100% of the details of our app. The reality, unfortunately, is that every decision we make carries a trade-off (or many!) associated and sometimes what works for some people doesn’t work for some other people.

If we’re persevering with the pulse is because, right now, it’s a structural piece for many of the features that we have in the pipeline. Things like explaining that a direct debit is coming in 2 days, or that you’re getting closer to your overdraft limit are much easier to explain over pulse than using a list. It allows you to navigate the timeline of your account to the past and future and predict when you’ll be running out of cash (again, something very difficult to visualise without a graph).

Don’t get me wrong, this might change in the future as we find better solutions but for now I can only ask you for a leap of faith. Bear with us and once you see all these features falling in place we can revisit it all :slight_smile:


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(Brexit Day Is Gonna Be Shamayzing.) #19

Thanks for replying @hugo I understand what you are saying and where you are coming from believe me I do but for me and I am guessing many others none of that is relevant… I know when I am gonna run out of money just by looking at my balance and as all my direct debits come out on the 1st after I have been paid the future doesn’t really matter.

I know a lot of people on here would love it and a lot of people hate it, all I (like many others) am just asking for a toggle on or off, I don’t understand how having it hidden would damage the app as it were…


#20

I’ve requested the same in the other place.


(Hugo Cornejo) #21

I’m afraid It’s not that simple :crying_cat_face:

The problem with these things is not the toggle itself, the problem is that if we give the option to remove pulse and then, two months later, we want to incorporate a feature (like we’re going to do) that relays heavily on the pulse in order to work, what do we do then? Do we need to design two different versions to accommodate for those that decided to turn off the pulse? Trust me, it’s a big big rabbit hole that we prefer to avoid.

Again, that’s the best thing of this community, you folks will keep staying on top of us and we’ll make changes based on your feedback. But if we turn every “I don’t like this feature” or “I need this other feature” into a switch (instead of working harder so the feature is useful and you don’t need to turn it off) the app will quickly become a mess. We think you deserve better. Hope it makes sense :slight_smile:


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