I think that as well as being able to assign Direct Debits to goals , it would be a good idea to be able to tie card transactions (specific merchants) to goals too, along with Faster Payments.
I’ve been learning C#, so I went all in and wrote my own web app that’s hosted on my private IIS box and uses the personal access token to access the Starling API. The app does the following:
- Has a database of my DDs, including when they were last paid and next due
- Has a database of card transactions (indexed by merchant ID and payment amount,) including last paid date and expected next payment date. This covers my recurring card payments like Spotify etc.
- Has a database of Faster payments, including last and next payment dates
- Knows what day of the month I’m paid, so calculates last and next pay day (including working around weekends)
- Works out my total monthly commitment
- Calculates which of the recurring payments in the database have been paid from this month’s salary and therefore how much is remaining to pay
- Shows me the balance of my account and any pending transactions
- Tells me my remaining money that I can spend on myself until next pay day
- Has screens to show a live transaction list for DDs, FPs and card transactions that allow me to select a transaction and add that to my monthly “watched list”. For card/online payments it’s keyed off merchant ID and amount as one of my subscription services takes 3 separate payments per month, so I need to be able to check each one has gone out. If I just used merchant ID it would show as paid as soon as the first payment was made each month, which isn’t good enough.
It occurred to me after I’d written it that it could all be replaced with 1 simple Starling function - allow DDs, FPs and online/card transactions to be tied to a Goal. There should definitely be a default goal, but there must be a way to override on a per DD/FPO/Merchant basis to cater for those people who don’t want to use just 1 Goal. By tying it to a goal, which is contributed to each month, it wouldn’t be necessary to track last/next payment dates as the money would be in the Goal and you could see what is still to go out based on the balance of the Goal.