17th & 19th April 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.

17th April 2021

Payday!

Not a very exciting month for me.

I changed my current wish list goal as I didn’t seem to be making progress on the period panties, and my current work bag, whilst adorable, just isn’t very practical. I’m currently using a messenger style one shoulder satchel. Which is terrible for my back. And also leaves weird black marks on my white work shirts? I think its the leather? I was able to protect my shirts with heavy winter coats, but as it warms up that becomes less practical… so I moved the period panties back to the wishlist and the “new work bag” category got promoted. I have a shortlist of bags – this one is very cute but kind of looks like I’m about to go on a camping holiday, this one has good reviews but isn’t what I want aesthetically, and this one seems like a nice compromise on both bags – and I was hoping to buy this month, but ’twas not to be, because… 

I think I discovered a new true expense guys: glasses. I’m going to have an eye test for the first time since pre-pandemic. Now I’m not sure if this counts as True Expense, because work will reimburse me if I need a new prescription… but also I kind of need the money upfront because I don’t think they’ll reimburse me until next pay check? So I’m not buying a new work bag JUST yet but it’s April I’ll still be wearing some sort of jacket for a little while yet, my shirts are safe. If I don’t need new glasses, I can redirect the money instantly and buy the new work bag this month.

Should I have a new glasses fund? In case I need new glasses in a hurry, like if I break my current ones? Or just so I don’t have to dip into other categories whilst waiting for work to refund me? I feel like I should. 

Other than that, there isn’t much happening in my budget this month. It’s all just tick, ticking away. I’m going to start eating through that Brexit stockpile I made, so hopefully my grocery spends will decrease slightly. I’ll still be buying fresh stuff, but any tins or sauces should be from the cupboard now. 

I am having a debate with myself over fancy tea (again). I want to buy some particular fancy tea, the issue being I want to buy a LOT of it. About £42 worth, not including P&P. So I’m trying to talk myself out of it. There are two seasonal teas I want, those I’m not mad about I’ll probably get those whichever side of me wins this debate, because they’re limited edition. Then there are two blends I want to buy in actual tea bag form, most of their tea is sold in loose leaf so I have to prep little tea bags for work, so I want to buy two particular blends in actual pre made tea bags for work and save the loose leaf for home. Then there is one blend which unfortunately is not sold in tea bags but I want to buy loose leaf anyway because it’s mint choc roobois and oooooooooooooh its good. So. I am looking myself in the mirror and saying “do you want this tea more than a new work bag? do you want this tea more than you want a house deposit?” and apparently the answer is “I want both” which is super not helpful. So then I’m trying to talk myself into only the seasonal ones and coming back for the rest. And so on. No particular side has won yet. And I can only wait so long because the seasonal ones are, well, seasonal. If I haven’t talked myself out of it by Monday I’ll go to their physical store and see if I can at least save P&P. Although they also have free uk delivery over £35 so if I got everything I wouldn’t pay P&P…. 

I know it’s ok to say “I just want X more than I want Y” and as long as “Y” isn’t “food for my children” you’re allowed to do that, but sometimes X is a short term pleasure/luxury and Y is a long term goal, and I feel like one of those children in that marshmallow experiment


19th April 2021

I did get the tea in the end – I know from experience that if I try go completely frugal/minimalist/spartan then I end up bouncing back twice as hard in the other direction 

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