This feature could come hand in hand with more granular categories I think.
Say I was to spend around £100 at a local pub each month, or with more granular categories on nights out or whatever. It would be nice if come new year, Monzo suggested maybe I cut down on my “excess” spending, you could choose targets for categories to reduce and, Monzo would track and tell you whether you were doing well or not!
I realise this is probably where the budgeting will end up, but I think as it could work rather nicely as a New Years Resolution feature…
Ideas? Opinions? Have I missed an existing thread?