I’ve been using a service called MoneyHub for the last couple of years and it’s been incredibly useful for budgeting and seeing how I’m spending month on month. The most useful screen by far is the ‘spending analysis’ screen which compares how you’re spending this month compared to last month. I would love to have something like this in Monzo as that actually provides useful data on your habits. And since monzo has all my direct debit data it could help predict if I was going to over spend each month. Another useful screen is the spending budget screen which tells you in real terms how much you can spend per day in order to stay within your budget. Again, if monzo could handle this data too and add predictions based on previous months spending, then we have something really useful.
