2nd January 2020

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.

I’ve also realised after doing my budget calculations that even once I’m debt free – hell, even once my Emergency Savings is fully funded – I still just dont have enough money to go around.

Not many of the categories I’ve got now are going anywhere, and there are still categories I want to add. And I’m not talking about saving up for a diamond watch or whatever – I mean for things like fully funding my H2B ISA, saving up to buy my next phone outright, saving up for a modest holiday at some point. On a smaller level: I want Microsoft Office, not the free OpenOffice I’ve been using. I want to save for a special shapeshifters binder. And so on.

Obviously I should be getting rid of my CC payment soon. The Divorce categories and Dad’s birthday categories are time-related so will eventually leave but not soon. One day I’ll have enough in my Emergency Savings. My goal for that is at least 3k, preferably 4k.

That wont free up enough to do everything I want.

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