DH and I are trying to organise our finances a bit better in the light of cost of living increases. At the moment we each have separate account where our income goes, and then two joint accounts; one for bills and the other for groceries and daily spending. We use Monzo for the daily spending account.
I have been really keen to get Monzo Plus because it allows you to create infinite number of your own personalised categories which are additional to the normal pots that a basic Monzo account has. So eg we could have specific pots for hobby, nursery fees, takeaway coffee or anything wise we choose. They also offer virtual debit cards so that you can keep spending separate eg all utility bills on one virtual card, all subscriptions on another etc. I think this would really help us budget, but for some stupid unknown reason Monzo say you can only upgrade to Plus for a single account, and not for a joint one. It's really annoying and seemingly daft - surely plenty of couples want to manage their joint finances using these features?!
Anyway, I'm trying to find another clever solution. Does anyone use any clever tech to help organise specific spending categories? Or found a loophole to access Monzo plus with your partner?