I know this has been asked a few times but reading through the threads it seems the suggestions are always Emma, Yolt or YNAB with a few others in between, maybe my use case I’m after is niche compared to what others use these apps for.
Quick reasoning on why I need an app or service, ideally I would just use Monzo. I find the left to spend is not very helpful and so don’t have it enabled anymore and while the categories etc. is mostly okay I’m struggling with the fact that unless a transaction is split with another Monzo user (via the split bill stuff) it just makes all of the categories wrong. I regularly do a purchase at a supermarket or Amazon that’s split with someone but they’re not on Monzo, even if I link the incoming transaction to the same category it just doesn’t show correctly, i.e. the app thinks I’ve gone over budget when I actually didn’t and at the bottom of the spending summary screen it then categories the income.
Anyway, long story short until the budgeting features are ‘improved’ (granted this could all be my opinion and I just don’t know what I’m doing) I’ve been trying various apps/websites/software to try and manage my money. The thing they seem to always fall down on is either pot management and/or split bill management. I’ve tried Yolt, Emma, YNAB, Wallet (Budget Bakers I think) and a couple others that I cannot remember, but I just don’t find they work how I would like. I.e. understanding of pots and not counting them in spending and if I receive a payment allow me to link it to an existing transaction and auto sync so I don’t have to do it manually, I don’t expect the latter to be automated unless it’s a split bill so I’m happy for that to be a manual process (just so I can clearly see I didn’t spend £100 at Tesco for a couple bags of things )
I’m wondering if anyone knows of an app like YNAB, Yolt etc but that is more tightly integrated into the Monzo way of doing things. I’ve been working on my own webapp to hook into Monzo’s webhooks - it’s a slow process but I’m at least able to try and make it work how I ‘need’ it to. Before I dive head first into spending probably far too much time on this I wanted to see if I’m just reinventing the wheel and maybe there’s an existing product/service that offers a good Monzo integration compared to the others.