Just a thought from me here:
Now that committed spending has been (mostly) worked out, how about if we could have a pot named Committed Spending, which would work as follows:
- Every payday, the exact amount you need for your committed spending (plus maybe a specified-by-you “buffer” amount in case your DDs go up in a given month/pay period) is automatically placed into this pot
- Then the committed spending DDs and standing orders come out of this pot
This way, your committed spending money is automatically ring-fenced to prevent you from accidentally spending it and you know exactly how much you have left to spend every month.
EDIT: Monzo guys, is this feasible?