Hey Duncan,
Sorry for such a slow reply!
I see you point, and think it highlights one of the main shortcomings with how past summary periods are summarised (gah!).
The money in, money out, into pots definition don’t really work if you have more money coming out of pots than in, or you use Pots as more of a flexible budgeting tool rather than a pure savings tool.
Joint account transfers being treated as spending also makes this weird.
The trouble with crediting pots directly is it opens a potential can of worms with account numbers, sort codes, and a bunch of new details to use and update at various places.
I think one approach could be to not treat pot movements separately from money in and money out within Summary, and just have something like:
-
money in(deposits to your account, including pot withdrawals) -
spent(out going payments categorised as anything other than ‘transfers’ -
transferred(pot deposits, and any other payments you categorise as ‘transfers’ - like moving money to savings elsewhere, joint account, etc).
Pulse is a whole other thing, and I totally agree it either needs a big rethink or to be removed, I’m not sure it’s useful now that Monzo isn’t just a one-way spending card.