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Pocketbook bills is based on your historical spend.
We detect regular spending in your transaction history and forecast this into the future. For example, if we see that you pay a $30 Telstra bill every 15th of the month, then there's reason to believe you will get this same bill this coming month, and the month after that.
By doing this, we can anticipate your bills that should be paid in the future and alert you when it's not, so you can avoid late fees.
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I like the idea of it being able to to group bills in my transaction history, although one thing that I'd like to see is the ability to manually add transactions to a bill. I'm guessing it would then probably take an average over the values to get a predicted monthly bill value, or manually set an expected value.
The reason for this is; if the description or value of a past transaction changes and is different to the previous transaction categorised as a bill, it doesn't seem to be able to be categorised as the same bill.
I have been thinking about this further: the ability to add a bill manually, maybe even entering an expected price range would be very beneficial.
(As far as I can tell you can only add bills from an automatically shortened list - I'm guessing this short list is made from selecting transactions that have the same value, description and have occurred more than once)
This would mean users don't have to wait for the bill to be paid more than once to be added as a bill, as thus be able to be used in the "safely spend" formula before the fact.
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