24th August 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.

So. One thing I didn’t mention before is that I did actually sit my Financial Exam and I unfortunately missed the pass mark by 2 points. As in, I need 65 to pass, and I scored 63. So I need to buy a new textbook/exam (as the syllabus resets on 1st sept) and I’m weighing up my options.

At minimum I need to buy the exam. For members this costs £252.29, for non-members this costs £344.30.

Membership has benefits, but the only one I really care about is cheaper exams. Membership has an inital set up fee of £37 and is either £6.67 pm or £80 pa. 

My concern is, if I cancel the membership within a certain time period, do I lose access to any digital assets purchased within that time frame? Or am I temporarily locked out until I pay the difference to the non member price? I have emailed customer service for more info.

There is also optional Audio Guides, Revisionmate and Calculation Workbook. I can see all of them being useful. 

Technically I have £494.89 in my FA Diploma category, but if I’m setting up a new monthly direct debit I’d rather leave a little room in the category. Also, I’m hoping to do the resit comparatively soon-ish so I don’t want to absolutely drain the category. 

But these days cause so much stress, these purchases are so big. I’m going to wait and see what customer services says and then buy tomorrow.

In other other news I’m anxious about my pension again. I’m 28. It’s been in the news a bit lately (pensions in general, not mine haha). I got an annual statement recently from my work pension and on the one hand my pension pot more or less tripled in the last year – but that wasn’t saying much, it’s still under 10k total. The retirement calculator puts me as retiring in my 70’s. So that’s not great. I can only increase my contribution % in the gap between payday and the end of the month, I was intending to raise it by another % this month but the combination of the dogs vet visit and the exam purchase coming together is making me hesitate. 

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