These posts were originally posted on the YNAB forums and MoneySavingForums (a UK money management site), I am moving my journals across to WordPress to have them in chronological order, and because the YNAB forums are closing as of March 2022. 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.
My landlord/housemate has given me notice.
I’m not mad about, my spidey senses had been warning me this might happen – she’s got a new job, is earning more money, and can afford the house herself. I’d do the same.
But Househunting with a dog is a ****ing *****.
Unfortunately the money for this is going to come out of my Emergency Fund. It technically isn’t an Emergency, it’s a “True Expense” because I should/could/did see it coming, but it takes time to save and I havent had time. My “next move” fund was next on my wishlist after my Emergency Fund.
The good news is that I am in a much better financial situation than last time I moved. Last time I moved, I put it on credit cards and overdrafts. This time I have £1700 Emergency Fund and £500 set aside for those Canal Boat Lessons (not exactly a priority compared to a place to live) not to mention other small funds I could dip into.
So I’ll use my Emergency Fund to move. I just need to not have another Emergency simultaneously. Luckily (in this instance) I have no car, kids, or house, so my potential Emergencies are few. I’ve just got the dog (with insurance) and potential job loss.
Also my businesses, like many others, has announced some branch closures. All my managers seem pretty confident I will not be affected but I will feel so much better when i have that on paper.
My Landlord has given me until the end of October to move, by which time the job stuff should be decided. In renters terms, that’s pretty decent notice.
A commenter on MSE pointed out that’s there’s restrictions on UK evictions right now so that long notice may not 100% be purely out of the goodness of her heart