I think there’s a core miss-understanding from @conor with this and that is where the confusion is coming from. The issue is that to do it the way @conor is envisioning, you would actually need double the amount of the money in total. here’s the scenario explained that confusing everyone:
- you see a yearly subscription you want that costs £120.
- you pay it, select ‘split the cost over a year’ or whatever
- it takes ANOTHER £10 out of your account and places it into a pot and removes the initial £120 payment from your summary.
- every month it removes an additional £10 out your account and places it into said pot.
- at the end of the year, it either finishes and moves the money back in and excludes once more from the summary, or pays the subscription again using the £120 that is now saved in the pot and starts over.
What @conor isn’t realising, is that you still need to remove the £120 from your account entirely up front to pay for it, then move additional money each month to show that it looks like it’s split over the year.