28th 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.

Crawling into March with literally £10.27 in any category other than sinking funds! Wringing every penny out of the budget this month!


A confession: I’ve made a slight boo-boo with my budget

Basically earlier this year I increased the standing order from my current account to my house deposit savings account to £200 pm… buuuut forgot to increase my YNAB goal 😬 🤦‍♂️ Anyway so now my House Deposit category has less money in than my House Deposit Account

Not ideal

Luckily I am getting that company bonus in March (budget it on 1st April) so I can figure that out then. There’s a difference of £350


As a reminder, my pre-tax bonus is roughly £2700, I’m not sure the post tax amount.

High Priority Items (£1190 – £1690)

Sort out HSB ISA discrepancy – £350

Gym – Between £500 and £1000

Food Processor – £40

Extra House Deposit – £200

Extra to yearly goals – £100

Medium Priority Items (£130)

Investment – £100

Birthday Sims – £30

Low Priority (£450)

GoFundMe – £250

4DayWeek – £20

Birthday Knife – £50

Milk Frother – £20

Red Bubble – £20

Scrivener – £50

Books – £40

Total is between £1770 and £2270


A more detailed breakdown of my current financial standing

On Feb 28th 2021:

My Bank Accounts Net Worth Is £10,596.98

£3050 of that is my Emergency Fund

£1524.78 is in my “Next Month Income” category

£1257 is my House Deposit

£1000 is in my “Next Move” category

£720 is in my “Next Laptop” category

£589 is in my “Next Phone” category

£500 is in my “Canal Boat” category

And then the rest is in smaller categories

My Investing & Pension Net Worth is £11,745.41

£11,335.04 of that is in my work pension, to which I am currently (that is, from my March Paycheque) contributing 8% and my employer is contributing 12.5%

£303.25 is in my bank’s Investment service, I put £25 a month in there and some fund managers do hopefully smart things with it. It’s telling me that over time my investment through them has gone down in value by £6.53

£74.99 is in my Freetrade Account, where I like to pretend I know how to day trade. I dont contribute to this on a regular schedule, but so far I’ve put £71 in it so technically I’m making a profit.

£12.05 is in my Paypal Crypto account, where I like to pretend I know how Bitcoin works. I dont contribute to this on a regular schedule, but so far I’ve put £15 in so I am making a loss at this point.

£20.08 is in a Crowdcube account. This doesn’t seem to change in value so I think it was more of a GoFundMe rather than an Investment.

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