I feel like a huge budgeting tool is being over looked. Namely daily budget / allowance. This could be set up many ways:
At the top of the feed there are two running totals, the current left to spend for the month and a second left to spend today. This second figure is just the monthly divided by days until next payday.
You set a daily limit, e.g. £25/day. Then on payday the app then locks the right amount (e.g. 31 days to payday X £25 = £775) in a locked pot and then loads your daily allowance each day. Benefit of this is you don’t see a monthly budget so you don’t think “oh I’ve got loads I can risk a blowout night out”.
A combination of the two.
What does everyone think? I know lots of people who already do this in their heads.