22nd & 25th September 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.

22nd September 2020

So I forgot to update this and tell you guys I tested negative haha

I’m going to try going back to work tomorrow, but frankly I’m still coughing as if I’m fresh from the mines. Customers will not be pleased, hopefully I can just catch up on some admin round the back.

I’ve made (another) temporary group when I realised I don’t have enough money in this month’s clothing budget for a plain black binder. This is different to the Shapeshifter binder – the Shapeshifter binder is a pretty one I want to wear in it’s own right, the black binder is just an undershirt. Even a plain binder will be about £45 with P&P though. Guess I’ll work up to it.

25th September 2020

Watching the Martin Lewis Money Show [UK TV show] tonight and reflecting on his savings accounts advice

The thing is, on a good day, perhaps the day after payday, my net worth is 6k. Right now just shy of 2k is kept in a minimal interest rate instant access savings account. 3.4K is in my current account, which does pay interest. The rest is in a H2B ISA and a few pounds in a second current account, less than £20 I just havent bothered moving it back.

I could definitely get better % on all these accounts. Martin would have you put £200pm here and £250pm there to maximize interest. But that’s a lot of faff, and with rates where they are, and with the amount of £ I have, I’d be gaining maybe £5 per year

Doesn’t seem worth it

If I could lock away all 6k, maybe, but I need a chunk of that to be easy access for living and emergencies

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