For what it’s worth, I use my budgets in a very specific way which is intended to cover pseudo-fixed expenses across the year (and, in some cases, multiple years).
I’m basically an envelope budgeter, saving specific sums every month towards those costs. For the one-offs (e.g. Car insurance), the total builds up over the year and then gets spent in a lump at the appropriate time. For the regulars (e.g. Petrol) it’s all a lot more complicated since the monthly expense eats a lot of the budget with the remainder building up to cover “excessive” months such as holidays.
As a result, I don’t really have ‘targets’ since I’m not trying to limit the spend in any way but he ‘pots’ approach sounds like a closer match, particularly as my pots are generally category based. It remains to be seen whether they’ll fully support my use. A complication I can foresee is that I budget for each car separately which the category system we have at the moment simply won’t support. I’m not suggesting a change but rather identifying a limitation that perhaps will put me beyond the ability of the app to support.
The fact that I only partially budget doesn’t look to be a problem from what I can see of the Targets proposal so far.
Finally, I keep my budget money in a separate account at the moment since that pays some sort of poor interest. This is something that looks to be definitely beyond the scope of what’s currently proposed but I wonder there could be a facility to automatically cover budget categories by transfers from elsewhere as an extension of the ‘pots’ idea. It feels a bit too much, too hard to me if I’m honest but I see no reason not to mention it