Monzo
How to Smooth a Lumpy Direct Debit Month: My Monzo Bills Pots and Starling Spaces Setup
Split direct debits into a 1st and a 15th cluster. Fill a Monzo Bills Pot for the 1st via Salary Sorter on payday, and fund a Starling Space for the 15th by standing order. Keep a £30–£40 buffer in each and check monthly that new mandates pay from the right pot.