9th & 12th December

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.

9th December 2020

I saved up £50 for “one last Brexit shop”… the idea being some people are worried about a sudden temporary shortage of staples or spike in prices post-Brexit, similar to what was seen in spring/summer 2020 with covid panic buying. But now would be the time to buy any more food, before the transition period ends, and ideally before the Christmas food shopping really ramps up, but I’m not sure I have space for it in the cupboard  :/
(later that same day)
I’ve done it. I ordered the last Brexit shop to arrive this Sunday. I may be a fool, but I’m a fool who wont have to buy Pasta for like 6 months next year.


12th December 2020

I bought my New Year Whiskey today! I bought two bottles actually – the expensive one, and a cheaper one I can be a bit less precious about and don’t mind being communal. I’m not going home for Christmas but I am seeing my aunt for New Year. The Ancnoc single malt was £25 so I’m happy for that to be passed about if need be. The first editions Aultmore was “only” £70 (I’d saved up £85). I realised on the way into town that, due to Covid, they wouldn’t be doing tastings like the last time I visited so the Aultmore is a bit of a gamble for me. But I’ve had the Ancoc before.

I’ve spent a little more on general Christmas stuff than I intended so far but I’ll wait until post-Christmas to do a real run down of that.

~*~

I’ve also decided to move my Emergency Fund into a different bank than my main bank account. It’s not on a particularly good rate (sorry, Martin) but it’s something that’s been bugging me lately.
I work in a bank, in customer service, and I often deal with the people who’s accounts are blocked by the bank. And when we do that, we don’t just block one account, we block them all. So often people are panicking/upset/hostile because we have locked up all of their money and they have literally no access to money.
Now, ok, 9.99 times out of 10, their accounts are locked because they did something naughty, but it still bugged me. I don’t intend to do anything naughty, but I’ve seen people’s accounts get blocked because they tried to buy Bitcoin and our bank doesn’t like that. That usually gets sorted out pretty quick but I still want to have some money in a separate bank that can’t get locked up due to a misunderstanding. 
So I just moved my Emergency fund from an Everyday Saver at bank A to an Everyday Saver at bank B. It’s instant access, might as well be 0% interest, but it holds the money separate to my main account. Because I already had a current account with bank B the whole thing took about 10 minutes to set up – though because I was moving a larger amount than normal for me, bank A did pause the transaction for an hour and send me a security text to double check. 

~*~

In response to a commenter asking how much pasta £50 got me

Not as much as I was expecting tbh, but this time I was more focused on having a variety of tinned veg and pulses. This isn’t the first time I’ve done one of these shops. I think the £50 got me maybe 2 weeks of meals? I did buy some pasta and rice, and a couple of jars of sauce, but mostly it was tinned veg.
I’ve done several of these “Brexit  shops” this year so I’m hoping I have a few months of dinners saved up. Less if I can’t supplement it at ALL from the supermarket but I’m assuming I will still be able to buy some stuff. If it was all a false alarm I’ll start eating through it in the summertime and just drastically reduce my grocery spending next year.
I think produce is most likely to be affected because that’s harder (impossible?) for supermarkets to stockpile, so I have a lot of tinned veg. I’ll just have to shop really strategically and take multivitamins. 
I am assuming at some point things will normalise and supermarkets will adjust, but I dont have infinite money or storage space for supplies anyway haha

In response to someone asking if I’d considered growing my own food

I’m pretty sure unleashing me on some poor unsuspecting plants might be a war crime  😛  but also I live in a shared house with a concrete patch in lieu of a garden 

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