19th & 20th August 2020

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.

19th August 2020

I’ve got fed up with the new Spending By Date goal and reverted some (most) of my categories to an old goal set up – I’m using Target Savings Balance (no date) for things like Groceries 

Which is technically “wrong” according to how YNAB intended them to be used

What I want to do is on payday top up category X to a set level. For example, however much of Groceries I used, however much is left, I want to top it back up to £150. 

I’m not a month ahead yet, so I’m budgeting on payday, which is somewhere between 17th and 19th each month. The Spending By Date goal seems to take account of transactions or WAM-ing done between the 1st and payday, which is just too confusing to work out. 

I used the Target Balance (no date) a few months back and it seemed to work pretty well, I just changed it to try use the new goal.

This also has the side benefit that – because there’s no date to the goal – the numbers don’t turn orange as I spend from it


20th August

Well my “Stuff I Forgot To Budget For” lasted about 0 seconds this month.

I woke up this morning and my phone hadn’t charged. This has happened a couple of times recently so I did a couple experiments, unplugged and replugged, then went online and ordered a new charger cable.

Then I remembered I was waiting for payday to order some new clothes online (just a sports bra, nothing exciting) but it turned out to cost £30 instead of the £15 I’ve budgeted. But I needed it, so what are you going to do. 

So that £25 of “Stuff I forgot to budget for” (more accurately “I don’t know where I need this money yet but I know it will be needed”) is entirely gone this morning. Sigh.

Leave a Reply

Fill in your details below or click an icon to log in:

WordPress.com Logo

You are commenting using your WordPress.com account. Log Out /  Change )

Twitter picture

You are commenting using your Twitter account. Log Out /  Change )

Facebook photo

You are commenting using your Facebook account. Log Out /  Change )

Connecting to %s