I live in a flat with two others where the direct debits for bills come from a mixture of our bank accounts. They aren’t with Monzo and don’t intend to join. As a result, my committed spending is off as I really only pay a third of what the direct debit is and receive bank transfers for the other two thirds.
I joined Monzo as I loved the idea of being able to manage my money through the summary tab. However, the new situation I’m in has made this difficult.
My idea is to give a manual adjustment option on the committed spending. That way I can increase or decrease the amount to reflect my real situation. I know if my flat mates were on Monzo it would be able to work it out for me using Monzo.me but they do not intend to join.