So, I’m going to be the exception here…
I do not use my Goals for keeping recurring payments/bills.
To me, the idea of a “Goal” is to have something you are looking forward to, something you want to save towards - It sounds ridiculous, but personalising the goal picture (recent holiday), encouraged me to keep topping it up with any spare money I had.
At the start of every month, I know what income we have, and I know what the rough outgoings will be (give or take). I then transfer absolutely everything else (minus a few hundred for random things that crop up), into a Goal (or Goals, if I’m saving for more than 1 thing).
I couldn’t be doing with moving money from a goal to my main account to cover a bill - That becomes a chore very quickly.
As for the automatic payments from Goals, again, I wouldn’t want this. I’d love automatic payments from somewhere, but I reckon they should create a new area “Bills” maybe - Somewhere that doesn’t muddy the picturesque view of “Goals”.
Who wants to see their boring Electricty “Goal” next to a Goal for an upcoming holiday?
So, the way we save…
Salaries come in… All money transferred into savings, minus scheduled payments and £200.
As the money is already saved, we are less likely to withdraw it - There are times when the £200 for random things doesn’t cover it (being truthful… this is pretty much every month), but we then only take what we need from the savings account.
It’s not a nice feeling withdrawing from a savings account, especially for something trivial, so it encourages you to do everything you can to keep it there.
Appreciate this wont work for some people, but it’s allowed us to save thousands without trying too hard.