17th November 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.

Tapping my fingers, impatiently waiting for payday so that I can budget… I went pretty close to the wire this month on ALL my categories. Everything is showing as grey, grey, £0 left. 

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I’ve been using YNAB for a year now! I’m kind of surprised I didn’t get an anniversary email from them. When I first subscribed, they sent me emails every now and then saying things like “Now you’re X months in… etc…”. In the last email they did say “…our emails will become less frequent from this time forward…” but I sort of assumed they’d do a first anniversary one – but all I got was a receipt. Ho hum. 

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I started YNAB in October 2019 (approx) and my net worth then was £1353.89, including debt – today my net worth is £5442.75 and I’m debt free! Two of my accounts each individually have more in than my entire net worth when I started YNAB. 
Technically that net worth is less than last month, but it’s the day before payday so it should be higher by the end of November. And I’ll forgive myself if my Net Worth takes a dip in the November and December months. 

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Speaking of, I’m near-done on the Christmas shopping. I just don’t have many people I’ve established a gift buying habit for. There’s two people I’m going to try buy for, I just need to figure out what. 

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I’m pretty happy with my budget categories this year and don’t feel the need to mix it up this January – occasionally I find new categories I want but the overall structure of the budget suits me. When I do have new categories they tend to be temporary savings goals, and I run the actual transaction through another category. I’d rather have the long term data easily accessible than rework things I think. Last January I sat down 01/01 and rewrote my entire budget, this year I might just sit down and bask in the progress I’ve made

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In response to a commenter saying I was doing well with my savings

Thank you 🙂 I was hoping to say something more emotional and nostalgic and inspirational, a reflection on where I’ve been and how far I’ve come and how far I want to go, but words failed me haha

In response to a commenter pointing out I had money in other categories I could have moved if I needed to

haha yes it was definitely YNAB broke, not actual broke
Which is always nice to see 

In response to people tagging the support staff on YNAB forums regarding the renewal email

It’s not the biggest deal in the world, I just sort of assumed there’d be one (probably last) email on the first renewal date. Its not the end of the world heh. 
Although now I’m thinking of those Facebook style end of year videos where they cut and paste photos and most liked statuses into the video, but for YNAB… 🤣🤣🤣 
This is the only email I got in advance, so I did get a “your subscription is about to renew” one

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