26th September 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.

I’m having one of those bittersweet weeks where an unexpected expense comes up and, thanks to YNAB, I can absolutely handle it, I just need to put some savings goals on hold.

I need to get back into therapy. I probably needed to get back into therapy 2 months ago.

I found a place thats close to me, when they restart physical sessions its within easy travel time. Their rates are based on a sliding scale based on household income, and for me its very reasonable. They’re open about their costs and it only just covers that. I couldn’t get therapy that cheap privately (I think this is a charity? or partially govt funded)

The only issue is, all over the website it says all sessions are weekly. At £36 a week, thats £144-£180 pm (depending on if its a 4 or 5 week month)… or basically exactly the money I’m setting aside to get a month ahead. I’m trying to talk them into letting me have fortnightly sessions. We’ll see. 

In response to someone asking the next day if they’d agree to fortnightly sessions

Unfortunately they’ve said no to that  😦 

In response to someone asking if the therapist was using a specific program

That is something I’m a little nervous about  now they’ve turned down fortnightly sessions, but I haven’t used this provider before. I’ve asked for more information. They have offered to renegotiate prices but I doubt that means they’ll halve them for me. 

And yeah, it does feel a bit like a lose-lose scenario, whatever gains I make in therapy could be cancelled out by increased financial instability. 

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