18th May 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.

**blink blink** when did THAT happen?
Right after I inputted my latest salary my net worth was very, very, briefly over £10k!
I mean, it was by 37p, so one transaction took me back under… but it wont be long before I get back over that permanently.
It’s so weird because for ages I’ve had it in my head that £10k is house deposit money. But less than a grand of what I’ve got is currently assigned to my house deposit category, it’s all various sinking and Emergency Funds. 
Speaking of, I’ve very nearly finished my “Next Move” fund, literally £25 short, so from June Payday I can officially start work on my “Next Month’s Income” category – i.e. getting a month ahead, by YNAB’s measure. 
Once I’ve done that… well that’s 5-7 months away so I got time to figure out what comes next. My attention is divided after that.

I know I didn’t post much (at all) in the last month but I had some life stuff, non-financial, going on and it felt like a tight/dull month in terms of finances. Everything was kind of just ticking over smoothly, but also I was feeling the pinch a little. 
I assumed it was because of the glasses tbh but I recently found out that I overbudgeted my rent category by £65. Which is annoying because I wanted to buy a new work bag, and was delaying it because I didn’t have money. I only interact with the rent category twice a month, on payday and on rent day, so I didn’t notice until two days ago. At that point I just waited to get paid.
That would have been helpful earlier in the month.

Anyway so I bought my new bag this morning, my old work bag was cute but impractical, then I walked downstairs and picked up my bag… to find it had suddenly BROKEN, apparently out of SPITE at being semi-retired. I would have used it as a laptop bag! Anyway now I’m using a horrible plastic sports bag until Sunday when my new bag arrives. 
I also bought a handheld vaccuum cleaner and an NHS prescription prepayment certificate (3 months) but it’s hard to make those sound exciting. 

Having ticked “work bag” and “handheld vacuum cleaner” off my wish list, and having set aside enough money to get some dungarees in the next few weeks (those are way more expensive than I thought they were, but I should have enough money now), my next YNAB wish list goals are for the 12 month NHS prescription prepayment certificate (£110) and some more gender affirming swimming costumes (£60, a rough guess). There’s also Doc Martens work shoes (£200, again a rough guess) but that’s probably going to be a few months off. 

Anyway that’s my update. Stuff is slowly starting to open back in the UK – debate continues on if this is a good thing – so I’m curious to see how my social spending will change.
Hopefully I’ll be more active this month! Or at least have one interesting thing to say 😛 

In response to a commenter suggesting paying for the NHS PPC by direct debit

I’ll probably work my way up to that eventually, I just got a three month one to start with to give me time to save up, plus I don’t know how regularly my new meds will need renewing right now

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