dining out budget
I Spend £80 a Week Eating Out — Here's the Pot Setup That Finally Stopped Me Going Over
Ringfencing dining spend needs a hard cap, not a tracker. A dedicated Monzo pot with a linked virtual card cut my eating-out spend from £320/month to around £245 by declining at the till when the pot hit zero — Starling's merchant insights are the useful cross-check, not the primary system.