1st October 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.

I’ve found the place I’m moving into, will move around the 18th or so. Kinda wish I could fast forward three weeks and have it all be done already. 
But still, whilst I’m still stressed, this is a more manageable stress than “oh my GOD where am I going to LIVE I’m going to be HOMELESS”
I’m trying to remind myself frequently that is the first move I’ve ever made that doesn’t involve me trying to finance it through credit cards and overdrafts. I’m grumpy about using my E-Fund, but that’s all I am. It’s a nice change of pace.
I’m moving into another house share, this time with two people. They’ve met my dog, he’s already picked a favourite housemate ❤
Its about £50 cheaper per month, but I’m just going to funnel that straight into building up a “Next Move” fund, parallel to my E-Fund.
I did look into Studio Flats but I would need an extra £200-£250 per month, so basically no saving for the future.
I hate capitalism. The minimum wage was introduced so one person (one man) could support a family and have a home by working full time. I work full time, I dont have a family, but I cant really support myself. 
This flipping FA Diploma better make me rich.


Speaking of the Diploma, I havent been studying whilst trying to sort moving house. My January goal was 1, maybe 2 modules this year.
Well I’ve done one, and 2020 hasn’t exactly gone according to plan, so I’m happy.


The students have descended on my city. If I were a betting person… I’d say by the time I move, we’ll will be in local lockdown… simply because Freshers Flu is a thing. Covid cases don’t necessarily have to increase, but if enough coughs, cold, and seasonal flus increase then we’ll be locked down. Because they wont have enough tests to distinguish. I want to try avoid contributing to the general demonising of students that’s going on nationwide…. But also I dont exactly see any of these guys wearing masks  :/  


I was listening to a podcast (Millennial Money) as I jogged and they said something interesting. They said to think of improving your finances like improving your health. One healthy meal or one workout by itself wont do much. You have to consistently practice and keep making good decisions, and over time you improve. 


In response to a commenter saying it was good I’d save £50 pm

Theres probably other costs I havent foreseen but yes good news for that  🙂   kinda feels like I dont get the benefit though as it’s already spoken for haha – but I know I will, really

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