16th & 17th 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.

16th February 2022

Do you want to hear about an incredibly first world irritation I’m having?

So occasionally I buy small amount of bitcoin through PayPal. And I do mean **small** I’m talking like £5 at a time

It’s mostly as a sort of learning by doing exercise, and also to scratch that FOMO itch without overcommitting

But banks tend to block crypto transactions – which is fine, there are way too many people YOLOing their life savings into dogecoin – but I dont want to get my account blocked over £5

So first I upload the money to / top up my PayPal account, then once the money is in my PayPal account, buy the crypto from there

But the money takes 7 working days to reach PayPal

Not regular days, working days

I requested some money on the 8th and it still hasn’t filtered through, it’s not due to arrive at PayPal until the 17th

(It does show on my account as a transaction, it hasn’t gone wrong)


I ended up getting a Garmin VivoSmart, it should arrive this weekend. I found one on Amazon – with insurance – for £70, so seemed good.

I’m definitely more tracker than smartwatch, I get too easily distracted by too many different functions. 

17th February 2022

Went to get a pack of Bird Blend chocolate Digestive teabags for my work locker, but they’d run out, which is clearly God’s way of telling me to put in an online order 😛

I got paid today, so obviously that’s nestled in my “income for next month” category now… we got a little extra money this month, a covid bonus of £250 (pre tax) separate to the standard annual bonus next month

I’m really tempted to pull £40 out of my I.F.N.M. category before the 1st to buy a food processor. I’ve compared what I got paid to previous months and I’ll still easily have enough money to cover all my categories. But it would be against the rules. And it wont hurt to wait two weeks. This weekends meal are pretty low intensive on the meal prep. When I was skimming the blog posts I’m transferring across to WordPress for spelling errors etc, I kept catching reference to these BBQ beef wraps I used to make, so I’m going to do those.

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