Committed spending vs budget

Any ideas why committed spending is separate to the budget?

So if I set a monthly budget of £500 and a £53 direct debit comes out, I still have £500 left to spend.

Committed spending is not something you can control as easily as what you spend on things like groceries or clothes so it’s treated separately

You’d need to set your budget to £447 in that situation as committed spending isn’t part of the budget

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