13th January 2021

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.

An update of two halves today.

One funny “how far I’ve come” moment, and one COVID anxiety.


I’ve been using YNAB for over a year, but it could be another year before I break the cycle **as YNAB defines it** I.e. actively budgeting a month ahead

However, I would point out that I have over a month of E-Fund, so if I suddenly lost my job, I do have the next month covered… I’m already feeling the mental/emotional benefits of being a month ahead even if I don’t quite do it how YNAB does it! Yet.

I had a moment where I was I like “Oh, did I get paid very early?… No, that’s just where my bank account is at these days.” I don’t think I’m going to get bored of those moments. Or of the underlying feeling of relief that I’ve got, that if I do lose my job (not that I’m particularly at risk right now) then I’m ok for a couple of months.


I’m struggling to sleep a bit since the American attempted coup last week.

I found out about it just before I was meant to go to bed (timezones) and it was challenging to sleep that night, or any night since.

It wouldn’t have affected anything if I had found out in the morning, when it was all over. I check the news nearly every morning, and I’m not in America so it wouldn’t have immediately affected me. Obviously the larger global picture would have been/is affected but that doesn’t affect my life today or tomorrow.

But how am I meant to sleep when everyone is dying? How am I meant to sleep when so much is happening? Theres just so much happening all the time lately.

I feel like the worlds spinning too fast and if I relax and let go I’ll go flying. Metaphorically.

So yeah I’m just feeling a bit overwhelmed and lost right now. And I try to sleep but I just lie in bed feeling like everything is happening and I need to hang onto the Earth.


In response to someone commenting about the protestors getting arrested

That is reassuring, but its not necessarily about the coup itself, though that’s a major player. Everything is just happening so much all the time right now. But it is good to hear about the arrests.

Leave a Reply

Fill in your details below or click an icon to log in:

WordPress.com Logo

You are commenting using your WordPress.com account. Log Out /  Change )

Twitter picture

You are commenting using your Twitter account. Log Out /  Change )

Facebook photo

You are commenting using your Facebook account. Log Out /  Change )

Connecting to %s