This project started as a tracker for my boys’ pocket money, so money can be added for doing various chores, and subtracted for spending. To start with it was fine, the equivalent change existed in their money boxes, but with us needing spare change to pay for their jobs ended up with being paid monthly having a piece of paper on the fridge to keep track.
This got messy, things where missed and having exactly £6.75 in change for example just never happened. When out and about, the spur of the moment spending resulted in me or my wife buying on their behalf, without firstly knowing if they had enough, and never recuperating the spent money. This was never a big deal, but as they get older it is worth trying to get some sensible money sense instilled in their minds – In short, you can’t spend what you don’t have.
This is where Monzo came in to play, as being a member of their Beta pre-paid card since March 2017, they released pots just before Christmas (2017) for current account users. Effectively separate money boxes you can quickly and easily transfer money in to from your main account, I thought this would be a far better solution, as 95% of my payment whilst out and about is always on card, mostly on my Monzo card.
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