12th February 2022

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 working on moving all posts across to WordPress, both from MSE and YNAB forums, and putting it into one chronological blog. I’m slowly remembering how to use wordpress.


I didnt get the most recent job I went for, but I asked for feedback this time and basically summarised, I looked good on paper but my interview skills need work. But, as a silver lining, work has announced the annual bonuses and they’re pretty tasty this year, making up for last year I guess. I’m pretty sure that if I’d handed in my resignation I wouldn’t get the bonus, even if it was due during my notice. Theoretically, I should, its a reward for out work over the previous year… but I’m pretty sure, if I handed in my notice, I wouldn’t. Now that wouldn’t have been a good enough to turn down a job offer, but it does take the sting out of staying.


I’ve been given a pre-tax figure of £2700 approx. Not really sure what that works out to, post-tax, but I’ve already written myself up a little wish list. 

The main thing I’d want is a gym membership. Ideally I’d to put enough aside for two years, to give me time to work out how to pay for it monthly. Depending on what kind of membership this seems to be anywhere from £500 to £1000 for two years.

I’d like to put £200 towards the extra house deposit. Overall for the year I want to put £400 extra. 

Similarly, I’d like to put a chunk towards my yearly goals, the bag and the decanter, about £100 total. This wont fulfil the goals for the year but will make them easier to meet of the course of the year. 

I’d like to put £100 into the investment hub thing I do. Normally I just put away the automatic £25 a month but I can make extra deposits when possible. It feels like a responsible thing to do?

There’s a GoFundMe thing I want to do that I want to put £250 in. It feels like a lot so I’m not sure if I’ll be able to do it.

In the smaller purchases, there’s a computer program I want to buy for £50 (scrivener, I think I’ve mentioned it before), I want to get one of those sgian dubh kilt knives, they’re so pretty, I want to put £30 towards my birthday Sims expansion, I want to buy a milk frother for £20, a redbubble notebook for £20, and another charity donation for £20. 

Overall this adds up to £1340 to £1840 (depending on gym membership) so depending on how much tax is taken off depends on how much of that I can achieve. 

I’m also somewhat concerned that maybe I should be putting me away more permanently in case of cost of living rises, which are starting to creep in at the edges, so maybe I shouldn’t spend all of it?

I have time to think about it though as this paycheck doesn’t hit until late march so I dont even budget it until April 1st.

Also, when I’m transferring posts across to WordPress, I keep coming across little moments like “Oh I just finished the month without going into my overdraft, I still have money the day before payday!” and in my head I just hear this clip.

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