18th 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.

Welp. Got paid this morning, divorce fund has officially met its goal. Time to try message The Ex. Wish me luck.
I’ve also decided to up my pension contributions by 1%. It was almost more, until I realised it was showing me the monthly figure, not the annual figure. It might be a bit tight, but they’re also talking about giving us a 2% annual raise in March, so hopefully it all evens out. I can always change it back if it’s an issue. 

There are a few things I’ve been waiting for payday to buy – some wool to make a baby blanket for a colleague, some they/them face masks, and cutlery set for work lunches, and some more of that fancy tea. I’m inbetween crochet projects, waiting for that wool to arrive, and I hardly know what to do with myself in the evenings! Maybe I should start working out on the nights I’m too mentally tired to study. Maybe that would help me sleep…. 


I also put together this little table, although I haven’t decided what to do with the data yet:

Obviously some of these goals and spends don’t add up. I’m mildly impressed there was any month in 2020 I managed to spend £137 on social spends…. but then obviously I’ve had months and months of zero or near zero spending. My groceries is all over the board, and I took out all of the Brexit shops to try make the data cleaner, as I don’t intend to keep doing those now Brexit has happened. (Similarly I took the binders out of the clothes category as those are rare events and separate savings goals.) It’s hard to know if this data is actually useful or not.

I’ve moved the social spends category further down my budget app and changed the colour coded heart to discourage me from stealing funds from it so much. Hopefully things will get back to normal, and I’ll need to use that money for actually socialising again. At some point. Before 2022. 


I did technically hit my goal to start buying Microsoft Office, but I took money out of it again to fund a different goal. I keep going back and forth on whether I even want office anyway, I’m frustrated that it’s so hard to do a one-time purchase of it now, that they’ve moved to a subscription model. 

With Christmas money, I hit my goal to get my degree certificate reissued earlier than expected, though I need to check if I included shipping in that goal. Something to investigate over the next few days. I also need to get to the GP and let them know I changed my middle name. 


I never know how to end these. I just run out of things to say. 
Keep calm and carry on – Mx_Emmin


In response to a conversation about libreoffice vs openoffice vs microsoft word

I should definitely check out google docs

I’m currently using openoffice which is technically sufficient it’s just a bit unsatisfying sometimes

It feels old and outdated, even if it does everything I ask it to

In response to a discussion about changing goals

I dont know whether to change my goals based off that chart. Clearly some of my goals do not align, but 2020 was so odd I don’t know if that means anything, it’s not my usual spending. But, as Jesse is fond of saying, there is no “normal” month…

In response to a commenter suggesting I hide categories when I’m done with them

I have goals set up, but because I spend from that category for legitimate reasons too I’m used to it turning orange over the course of the month
I didnt think of actually hiding the category though 🤔🤔 just moving it further down so I had to scroll to get to it 
Its become a “monthly” expense, not a “weekly” one

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