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. 

16th & 18th 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.

16th September 2021

Payday! 

You know, it’s the darndest thing. In previous months I putting £50 in my take out category and still WAMing for more. This last month I set a goal/cap and put £25 in there… and I still had some left the night before payday!  🤷‍♂️🤷‍♂️

The only category I havent been able to contribute into is rebuilding my E-Fund, but I’ve got three potential ways of refilling it (Pet Insurance Refund, Bank Account Switcher Cash Back, Excess Next Month Income when I get a month ahead) they just will take a few months to actualize. 

I havent put anything into wish farm items this months, but I’ve boosted a couple of regular categories beyond their usual goals. Things like; there’s a work night out, so I put an extra £20 in my social category. I’ve noticed that the dog’s grooms dont exactly line up with my pay cycle over the next few months, so I’ve deliberately overfilled that category to smooth that out. 

I suppose I did purchase a tea advent calendar, an advent calendar with tea bags each day. I’m not sure if that counts as a wish farm as I hope to repeat it next year. Is that a true expense then? Nah, I cant call a tea advent calendar a “true” expense… a sinking fund? Something.

I am looking forward to, Friday or Saturday, the autumnal chai and pumpkin spice blends of teas hit the shop so I’m going to go fill my boots. 


18th September 2021

Grumble Grumble – trying to figure out how to get the dogs new healthier food regularly and I’ve had to set up a subscription/delivery, but the subscription is slightly more expensive than the £10 I usually budget for that category, its £10.70 

I’ve raised the category goal to £13 to account for buying any treats or what nots but still

(Grumble Grumble ungrateful dog doesn’t appreciate what I do for him)

Later the same day

I think I accidentally ordered the wrong dog food for Sherlock

Instead of SMALL BREED adult lamb and rice I ordered REGULAR/GENERIC adult lamb and rice

Tut Tut

He’ll have to cope for a month then I’ll switch the subscription next month

Which annoyingly might be even more, maybe £20 whole quid a month…

I’m not sure how much of the small dog vs generic dog food is marketing anyway 

It looks fairly easy to fix, just the first bag arrives so too late for that 

In response to someone saying it sounded like it sounded like an expensive month and suggesting buying generic fitbit bands off Amazon

It certainly has been! But the good news is I had an Emergency fund and been saving up for my exams in advance  🙂   not a fun time but at least its budgeted for 

I think I’m going to replace this Fitbit as it’s free under warranty but when it comes time to buy I need to strongly think about whether its worth it

I do buy cheaper straps off Amazon, unfortunately it’s the actual device unit giving me issues 

15th 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.

So within the UK we have something called the Current Account Switching Service, which is just an easier way to move bank accounts from one provider to another

And banks sometimes take advantage of that to try entice new customers in

My main bank is currently offering £130 cashback to customers who use the Current Account Switching Service to switch to them

This also applies to existing customers 

So I’ve opened an empty burner account at my secondary bank (it took like 5 clicks in the app since I’m already a customer w them) and once I have the card I’m going to switch into my already existing main bank account

There are a few more qualifications, I think you have to wait 60 days? Or 90 days. But then I should get the money!

There are some people who make a habit of this and switch accounts a few times a year to get these bonuses when they’re available. It can dent your credit score though if you do it too much. I’ve been interested in that for a bit, and I thought this would be a nice easy one to start with.

~*~

In response a commenter saying it was a cool perk

 I mean… kinda, yeah

There’s a few qualifications (aren’t there always) but they’re pretty low imo

It’s something like have 2 Direct Debits, use online banking, and pay in £1000 over the course of 2 months

But, nothing ventured, nothing gained, I think £130 is worth 5 clicks on the one app to open the account and filling out one form at the main bank!

In response to a commenter asking if it affected my credit score

In the UK it technically does, because current accounts can come with overdrafts, which is a form of borrowing, so, credit check. But then again in the UK credit scores are only really used when you intend to borrow, from what I understand in the US they’re also used to rent apartments and stuff?!? So if you’re in the UK and not intending to take out a mortgage or loan within the next 12 months, and your credit score is otherwise ok, it’s probably fine. I have no intentions to borrow. 

~*~

Unrelatedly, my Fitbit is broken, again. They’ve sent me an email offering an under-warranty replacement, again, but honestly these things break roughly once a year and I dont know if I cba anymore… anyone know what’s the competition like? I just want something that actually outlasts it warranty! And at the risk of sounding pretentious, I worry about the ecological aspect of digging up all those rare metals for something that breaks in a year…