Monzo use of pots, showing true balance with outgoing payments

[Ordog]

You haven’t asked a question, what is it?

Sounds like you should be using budgeting though, it would mean much less money is moving around your account and should give you a better overview.

Alternatively there is a committed spending pot in the works that may be of interest?

Bill Pots (previously Committed Spending Pot)

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 …

Other than the above, I’m not sure what you’re looking for so if you ask I’ll try my best to help