9th & 10th 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.

9th October 2019

I feel the urge to defend my budget now… so when I broke up with my husband in Oct ’18 I realised I needed a budget. I thought I immediately started learning how to budget but in retrospect at that point what I was actually doing was triage. I wasnt learning how to fix a broken leg, I was stopping myself from bleeding out.

In February ’19 I moved city and finally started learning how to budget. I literally had two categories to start with – “weekly spends” and “bills”. Over the past 6 months I’ve evolved it into what’s in the previous post.

My grocery budget is what I’m trying to wrestle down. It’s high because there is non-grocery stuff going through there, but I need to identify exactly what first.

Or maybe I just eat too much.

In response to a commenter sharing how they organise their budget, and suggesting how I could organise mine

See, the thing I’m worried about is over complicating it. I buy laundry detergent and pet food and human food all in the same shop, so I don’t want to be sat there in the shop divving up the amounts.

The vet plan covers flea and worm and free annual check up for doggo and gets you discounts off any medicine you do need to buy

I didnt feel criticized, just self conscious lol

10th October 2019

In response to a discussion of how I could organise my shopping

I write lists, yes, the list tends to be organised by the order of aisles in the store – so where I can find, what order they’ll go in my basket, so I’m not doing loops of the store

Edit: I also meal plan. Well, I batch cook, which is roughly the same thing. I cook for 3/4/5 days at a time and divvy it up into boxes.

I use those scan as you go devices the stores have so I can keep track of how much I’m spending as I go. It adds up all the amounts for me. Pro: less human interaction for an anxious bean. Con: cant separate it out or put stuff through in batches.

Next paycheck I’ll play with adding separate pet food/treats, household non-edible, and human groom categories… although I dont know how much to put for some of those.

Every time I have 2 – 3 NSDs to let my bank catch up to my purchase my YNAB and bank disagree by a little less. First it £8-something, then £5-something, today its £2-something (I just dont have the exact figure to hand, I did work it out and write it down earlier). Curiouser and curiouser…

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