18th 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.

Payday! So naturally the first thing I did was go out and buy a whole ton of onions, I want to experiment with making slow cooker caramelised onions. I plan on doing a mix of red and white onions, with some demerara sugar, balsamic vinegar, whiskey, and a touch of bicarb soda to help break down the onions a little more. I’ll chop them all up tomorrow morning before work and leave them for like 8 to 10 hours. 


I’m grudgingly proud of myself for one smart decision I made. I had a little leftover money when I met all my goals and I decided to put it into my Diploma study fund rather than into hobbies. I’ve always been able to find hobby money before, I’m sure I’ll find it somewhere again if I need it.
I find traitorous thoughts sneaking in, like “I’ll put it in takeout and if/when I have some leftover I can move it to the Diploma category”, but I just need to remind myself that if I put the money in groceries or takeout or hobbies it inevitably gets spent and if I put it elsewhere it magically doesn’t. I just need to stay strong. 


I technically put slightly more into my E-Fund than usual as well – 42p more haha. When I went to fill out my saving thermometer I realised I was 42p short of the next notch, so I added a little more to the pile to make it an even £2100.
I also filled out my GC2B binder goal, I just to get around to ordering it. Christ these things are expensive. 
I slightly renamed my “New Degree Certificate” to “Name Update Documents” – the initial goal is still the degree certificate, but after that I might as well continue saving for my passport update as well. 


I’ve been thinking a little bit about my next YNAB-year. Obviously the immediate goal is to hit 3K E-Fund, then I want to focus on getting a month ahead, and I really want to pick up the pace on my FA Diploma study. Hopefully early next year I can kick off the divorce proceedings, assuming the other party is cooperative, if I can get that done then that’s a BIG chunk of my budget available to be repurposed. £75 a month I won’t be setting aside for that, and fingers crossed I’ve over saved and I’ll have a little leftover money to treat myself/repurpose elsewhere. 


I’ve also been thinking about how weird it is that, despite how much less I’m spending now than a year ago, two years ago – evidenced by my growing savings – I don’t often feel like my quality of life has suffered much. I use “often” and “much” because there are still moments, but 98% of the time my quality of life feels the same, if not better than, a few years back. If someone had told me that I’d have just casually dropped £80 on a bottle of whiskey for a celebration, and then a few months later had another £80 ready to go for Christmas/New Year Whiskey (I plan to buy it early December) I’d have laughed at them. That was just beyond me. And now I’ve dropped to a single income household but I can just, do that. No big deal, just a little foreplanning. 
Christmas has been weirdly chill so far this year. I mean, its not exactly a normal year, no socials to worry about – but also I’ve saved up a lot more this year and I have three Christmas categories (“Family”, “Friends” and “Misc”). If it had been a normal year I suspect I still would have been slightly short, but I’d have made it work. Next year I’ll save up more. 
It’s a good feeling. I hope YNAB stays around a long time

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