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.
17th December 2020
Payday! And, seeing as we’re almost at the end of the year, I’m taking a closer look at my goals for each category. I’m worried I’ve got a little too comfortable WAM-ing from my long-neglected “Social” category, which still has it’s original goal of £50 just sitting there waiting for some love. I don’t think it’s had £50 in since March.
I adjusted my Christmas Goals this months, to give me a full 12 months of saving – if I start saving from my January pay check I’ll only have 11 months to save before I spend. 10, really, because I’ll start buying presents in November.
Some goals I wanted to adjust from January – like my Pride savings, for example. When it became clear that Pride 2020 wasn’t happening, I set that category to “Save £120 by June 2021” so I’ve only been paying in a couple of quid per month, as it was already over £100 when I did that. I was hoping to revert it to a nice easy “£10 per month” in January but I don’t think that’s happening just yet.
With my goals I’ve been tending to plan for about £25 more than my average salary, as I don’t tend to empty out every category ever month – particularly public transport, I’ve got very good at walking to work. I suppose if I ever did empty out every category I would have some choices to make.
So some goals are likely to be lowered in the New Year as I have new things I want to save up for. I’m trying to start saving regularly for Sims, for various name updating products, for my “Next Move” fund, for a hypothetical future tattoo, and so on and so forth.
I’ve been putting money into that fund for Dad’s belated birthday holiday trip that never was, the original goal was £225, as of this paycheck I have £295 set aside. I was setting aside £10 per month, I shall now be setting aside £5 per month. Previously I was setting aside close to £35 for my FA Diploma, for now that’s going to be £30.
I’ll do a full run down at the actual end of the year.
There’s always too many expenses and not enough money
I’m sure if I had just a little bit more all my problems would be solved 😛
I’ve almost hit my Divorce fund goal of £1000. Although I have realised lately that when that does get started – even assuming it’s a relatively peaceful process – that’s really going to hit my net worth hard. Ho hum. Hopefully I won’t spend all of that.
19th December 2020
I found a fancy loose leaf tea shop recently and I’ve just realised I’ve spent £26 in the last three weeks there
Which isn’t too bad but it wasn’t budgeted for. Also potentially explains why things felt a little tight this pay period, even accounting for Christmas
They have a subscription service though for £10pm, I’m usually not a fan of subscription boxes but if it reigns me in, it may be warranted here