21st August 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’m not sure if this will make any sense but I was just sitting here and it finally, finally, sunk in that – I’m debt free! I’ve been saying it but it hasn’t felt real, like it was too big of a concept to grasp. I’d say it and my brain was like “…ok?” 
But I was sitting here, doing my FA Diploma study, and half-thinking about how I wish I could filter or seek out journals of people in similar age groups/financial situations to me, or how there should be more “inspiring debt stories” type articles that are more accessible or relatable to people like me and… I dunno, it just finally suddenly sunk in. 

I have mixed feelings about the YNAB customer stories as they’re rarely relatable to me. Often its stories like “I paid off 100K in 5 years!” which is great for them but per year their debt payoff alone was more than my entire salary.

Recently I listened to an external/non YNAB podcast that was an interview with Jesse and he said something like “…whether you earn 30K or 300K…” and I’m left thinking – is 30K the lowest number he could think of? 30K would be a dream for me. I’m trying to get into a career where the starting salary is 20-22K (ok the upper bound is 100K+ but itll take me a while to get there).

I imagine its partially an international translation issue, costs of living never scale exactly with the exchange rate, but still. Your method is great but as a company your stories are very middle class sometimes.

That makes me sound more bitter than I am – YNAB really has worked wonders for me, I just meant you guys could stand to showcase stories from a wider range of social and economic classes 

The numbers will be smaller, so it would be less “inspirational” but it would be more relatable to a lot of people 

There a conversation about different blogs and podcasts with stories of those in similar income brackets to me
Here are some of the links mentioned:


You’re right in that there is a limit to how low expenses can go, and that there are two sides to the equation. I am working on the “income” side – that’s why I’m trying to do this FA Diploma (first exam this Friday!) 

But it still takes money to make money as I’m having to pay for the course.

I am personally debt free now so I’m more about building stability and E-Fund(s) at this point but I imagine a lot of the techniques will carry over. 

It just gets frustrating sometimes when sometimes these stories are held up of people who solve all their debt problems by downsizing their house, trading in their car for a slightly worse car, and skipping Disneyworld for a couple of years… Meanwhile I’m in a room in a shared house, don’t own a car, and haven’t had any holiday in years and don’t know when I can next expect one. Our problems are not the same problems. This week my big extravagance was spending an extra £1 on the nice bread (it was was very nice bread though).

That being said, I’m sure a kid in a third world country would be glad to have what I have.

And maybe my success story hasn’t finished being written yet. Maybe I’ll stumble across this thread in ten years when I am making big bucks in my new career and be like “tsk. what was I even worried about.”

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