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  • I quite like the idea of having the overall spend amount. I think sticking it to categories seems like a lot of work at this stage when I'm just trying to understand where my money is going...

    Equally transferring it at the end of the month seems like a great idea.

    One last one - do you movements into other pots count as part of the budgetted non committed spending? For example when I get paid I automatically transfer over £30 to pay for my six monthly car tax, does that need to be expressed as part of the budget?

  • When you transfer money to a pot, I don’t think it comes out of your budget/summary. But if does you can choose to exclude it

    Unless you want to get include it? I’d just exclude and reduce your overall spending budget by £30. Ie factor it in yourself if that makes sense

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