How has Monzo changed how you manage your money?

This is the opposite of my experience, which is:

Everyone figures out what they owe. Discussion over whose Spending will be messed up for that month. Everyone pays individually as no-one wants to mess up their monthly totals.

I still promote Monzo, but with the caveat that until incoming payment categorisation is implemented bill splitting breaks the data history side so is not worth it.

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Check my balance daily on the easy to use app and stopped spending so much money a week on lunches that i didnt realise I was doing

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I need 2 things to make a profound difference in Monzo:

  1. Joint accounts
  2. Ability to pay bills and direct debits out of pots

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