Hi Tom,
Thereās a significant issue happening, and I couldnāt figure out how to fix it.
Before this change, I could see the instalment plan in my trends, e.g. a purchase from the flex of 100Ā£ will show as only the instalment Iāve paid at that very month in trends. Now, after this change, the total purchase amount is shown.
This causes me massive trouble with budgeting as it doest not reflect reality because Iām not paying for 100Ā£ within that month but only for the instalment plan.
Is there any chance we can fix that?
Totally agree, this change just messed up with my entire budgeting as it does not reflect reality at all! why in the world would I like to categorise something I didnāt pay for!
Itās the intended behaviour, payments to Flex donāt show elsewhere as they are auto marked as Transfers which are excluded.
Only the initial spend for the merchant shows in the month you made it.
Itās frustrating I agree.
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But this is truly pathetic and frustrating. Why on the planet would I like to see a transaction under a category that I didnāt pay for? It does make sense, for example, for a regular credit card but not at all for flex. This is messing up heavily with my budgeting, none of these transactions reflects reality, and the trends feature is now useless for me. Before this change, everything was working perfectly. Whoever developed this feature did not consider Flex being made under instalment plans. Iām more than frustrated. This is just a massive disappointment.
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You can manually categorise to make it how you want.
Revels, this is not a problem of categorising, is a problem using the total amount of the transaction in the category, I only want to use the instalment amount, only what I actually paid for and not the total amount of the transaction.
I agree.
It confuses me, alongside the interest charged to some plans randomly allocated to those categories.
I preferred it how it was, you can manually manage it yourself but itās a chore.
You can remove Flex from trends, but then your monthly repayments to flex if not manually made, will also be a mess. As you canāt categories the full payment, only individual payments if different categories across Flex.
So itās just easier to let it be for me personally.
Iāll be paying Flex off and probs just revert to a standard type card.
@Carlo1460 did you find a way to fix this to use only the instalment paid? I donāt even know how to start all my budgeting again this is the biggest mess Monzo ever done it
I added extra to my last message, but Iād rather just pay down flex and revert to a standard card until it is made clearer.
You can go into flex in budgets and change each payment manually to a category but itās a chore.
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Let me see if I understood, you change the main payment letās say a total of 100Ā£ into X category then change the instalments into others? Jeez thatās a nightmare why canāt we not have it as it was? Whoās this change actually helping?
Itās easier if you use the Flex card and not your normal card and then get it back afterwards.
@Revels Iām using the Flex card
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Okay, so when you spend Ā£300 at Apple today on your Flex card, thereās nothing to categorise. No money has gone from your main account.
Then when you pay back Ā£100 on your next payment date, mark that as whatever category you want.
Itās a bit of a chore to go back if youāve used Flex a lot, but on-going itās pretty easy.
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Right, but how do you ānot categoriseā as the transaction already came as Shopping?
But with Ā£0?
Do you have Plus? Make a Flex category and then put it in there and ignore it.
The transaction shows the total amount Iāve flexed, letās say Ā£300 even if I didnāt pay anything today. The idea to have a category as Flex perhaps work but then when I make a payment towards my flex all the monthly payment is categorised as one category which is also incorrect. This change basically made trends uselessā¦ Why would they put through such a feature that makes no sense at all, this totally took away my budget capability in trends, it made even Plus useless
Are you sure?
Just pay them individually and then you can make them what you want. Again, this is a bit of a pain if you use your Flex card to pay for lunch etc.
It works for meā¦ If Iāve flexed Ā£300 with a merchant today I prefer it to be categorisedā¦ at the end of the day, itās the amount I have spent with the merchant (even though I borrowed the money)ā¦ I may be paying it back over months, but to me thatās a transferā¦ Iām not spending with the merchantā¦
@Revels how do we request a rollback of this feature? This canāt be right!
They are not going to change it back. You just have to try and make it work how it is.
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