1st October 2019

These posts were originally posted on the MoneySavingForums (a UK money management site), I am moving my journals across to WordPress to have them in chronological order. I’m not sure how much of other people’s words I’m allowed to copy across from one site to another, so in some sections I may summarise conversations.

This is how things are in my accounts right now:

Money in Accounts
Main account: £324.25
Monthly Social Spends: £58.72
Emergency Savings: £950.61
H2B ISA: £424.81
Christmas Savings: £110
Pride Savings: £20
Total: £1888.39

Debts
Red Card: £259.01
Black Card: £909.47
Argos Card: £14.98
Total: £1183.46

So moving in the right direction! 🥳

My main account is low enough to make me a little uncomfortable but I paid my rent and bus pass today so there’s actually no bills to take care of until the 20th, after payday. The money that’s left in my account is for groceries, a dog groom at some point, the beginnings of savings for a divorce (about £50), the beginnings of savings for my next laptop (about £10), and the majority of the YNAB subscription due in December (about £67).

On the flip side of that, last month I had no charges on my account AT ALL – in fact I even earned a little interest! 68p but interest nonetheless :j

My YNAB totals don’t match my bank totals: they disagree by about £8 and I can’t find where that happened. I did buy something on Amazon, change my mind, cancel it, and buy something else, so I’m giving my account a couple of days to sort itself out and hopefully it’ll turn up. If not, I’ll do a fresh start when I next get paid.

The new Direct Debit amounts didn’t go out correctly for my credit cards but I sorted it. I’ve resubmitted the direct debit instruction a couple of days after this month’s payment went so hopefully it should work next cycle. Otherwise, I moved money from other categories over to the credit cards. Apparently it’s called “whack-a-mole” and is very common amoung new YNAB users, moving money from one category to another as you try to get a handle on your spending.

(I am aware of the fun fair game called whack-a-mole, I’ve seen them in cartoons but never in real life, I just meant that’s what this practice is called)

I’ve stopped using the “weekly spends” account but I haven’t closed the account and I won’t for a bit. Part of me is thinking, if I lose and have to cancel my main card, at least I would have a backup card I could transfer money to until my new card arrived. The rest of me is thinking I don’t know if YNAB is going to stick yet.

Although I must admit YNAB has made a pretty seamless transition into my life. I’ve just changed which app I check before I buy things, and I like the clarity of seeing what money is being spent where.

I’ve told work I’ll go back Thursday. Feeling more or less better.

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