Im aware that simplicity is beautiful, and these ideas might be too complicated, but here goes.
Goals are great- but what if they were a bit more powerful and lifestyle orientated. Round-up deposits are one idea, but what if there was a way to monitor spending habits, and suggest goals can be reached earlier etc if you ‘cut out the daily trip to starbucks’ or whatever?
What about introducing a low balance alert when a payment is due, and that it can be covered by an amount in a goal? It’s possibly counter productive, as in the goals are meant to be for saving - but it might be helpful? I know there’s a caveat that setting up a goal can cause a payment to bounce even though there’s funds to cover them across the goals, but is that inviting people to make a mistake anyway?
What about splitting goals? Would something like this be helpful… If I scrape whatever is left in my main account at the end of each month into a ‘savings’ goal, and then funnelled that money into sub goals?