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.
28th August 2020
Passed my R01 exam!
31st August 2020
Groceries is the worst and makes no sense to me (that sentiment is the cry of budgeters everywhere, I know)
I get paid on the 19th ish, occasionally sooner, and I swear I spend 1/3 to 1/2 of my groceries category between the 19th and the end of the month – but I have a good 20 days left to go before my next paycheck and proportionally less money to spend on it
Do I just eat caviar the first week or something?
I’ve tried splitting the Groceries fund into Week 1, Week 2, etc and honestly it just got confusing – and I kept moving from one week category into the next anyway
I think I just have a tendency to wait until my first pay-week of my pay-month to get all the nice food, and save the cheap food until week 4
There’s probably also an element of stuff I buy once a month running out at the end of the month, and I wait until week 1 to rebuy it
~*~
Life After Debt 