20th 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.

On the way into work today:
I’ve had 3 or 4 responses to job applications that have all gone “you look good, except we need someone closer to completing their Diploma” so I think I started job searching too soon. I think I need to spend less time job searching and more time studying. Which sucks, because I don’t like my job anymore.
**immediately goes into work to find two internal FPM vacancies** The Lord Is Testing Me 


In response to someone suggesting a needed for spending goal

The needed for spending goal doesn’t work so well for me, I think because I’m not a month ahead yet. It doesn’t like being refilled mid-month. Hopefully I’ll get a month ahead soon!

A commenter asked if I budget on the first of the month

No I get paid on the 19th and budget then, when I get a month ahead I’ll be able to budget on the 1st.

I run [my budget month] from 19th to 19th, which YNAB doesn’t like very much, so my next goal after I hit 3k E-Fund is to get a month ahead so I can run it 1st to 1st

A commenter mentioned that as they get paid on the last day of the month, they’re able to wait until the 1st to budget

Unfortunately I cant stretch mine that long, as in previous years I put all my direct debits between the 19th and 1st, immediately after payday! 
Never mind, now my Divorce fund has hit its goal that’s £75pm I can redirect to other goals

Currently my E Fund is at 2,300
Next month I’ll put in 115 (15 more than this month) bringing it to 2,415
Next month I’ll use the freed up Divorce fund contributions to finish topping up some secondary goals, freeing up that money too.
Every month after that I can put a total of 215 into my E Fund, meaning I  will hit my E Fund goal in… May…? 
And then after that I can start on my month ahead.
This is of course assuming my year goes entirely to plan. What is it they say about the best laid plans of Mice and Men…?

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