How long does it take for Chip’s artificial intelligence to get, you know, intelligent? I’ve been here over two months now and I’m still waiting!
I don’t think I’m unusual in this, but I get paid, on or around, the last day of the month and I have several large direct debits set to pay bills during the first week of the month. There are also a few more payments throughout the month. These are all regular and fixed in amount. Then there is a variable monthly credit card bill about a week in. So, obviously, my monthly disposable income, that I want to take savings from, is what is left after all these predictable deductions have been made from my income.
Even I can work that out, and I am neither artificial, nor intelligent! However Chip only seems to look at my account on a day to day basis? At the beginning of the month he thinks, “Woohoo, a large deposit just came in, I can take a big slice of that as a saving”. So then I have to reign him in and say, “Not so fast, artificial yet supposedly intelligent Chip, I’ve got all these other payments to come out of that first!”. As the month progresses, Chip recognises that the pot of money is diminishing but he still tries to take more than I will actually be able to spare at the end of the month.
And I have the Auto save level set to 1!
My question is, when can I stop micromanaging Chip’s automatic savings, and sit back and let him get on with intelligently taking amounts I can actually afford to spare? Because, otherwise, I may as well just do it myself…