19th November 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.

You know those moments when you’re like “I’m budgeting, I know I’m budgeting, I planned to buy this, I can afford this – but how tf can I afford this?!” Like you know you’ve put all the work but it still doesnt make sense somehow?

Anyway I spent £58 at the tea shop buying a travel mug and a teapot  🙂 

17th November 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, it took a bit longer for the money to come in than getting back from Aldi

I almost didn’t budget it tonight, I was feeling really sleepy when it came in, but the new toothpaste I was trying turned out to be absolutely disgusting and woke me up so I ended up budgeting tonight after all whilst waiting for my mouth to calm down

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The key category “Next Months Income” has exceeded its goal of £1000, I got it to £1085. Technically we need to wait until 1st Dec to confirm if I can get a month ahead but at this point I’m pretty confident. 

Thanks to the early £130 I’ve also put enough aside to get myself a special tea pot from my fancy tea shop, I just need to decide which one to get. There’s a tea pot with a built in infuser, which seems the obvious choice, but there’s also a thing called a Brewdini, which might be easier to clean… but also would lose heat quickly as its plastic, and hold less? This is a serious decision

I’ve even had a little leftover that I cant decide what to do with! About £20. It’s probably going to go on clothes tbh, I need some new shoes for interviews and with the work Christmas do coming up a new shirt would be a good idea. I need Jeans too. Its quite rare that I buy myself clothes anyway, and a few things have cropped up at the same time.

Also, I mentioned this previously, but – this was indeed the first month I still had 10k left the day before payday. 

Edit: As for refilling my E-Fund, that currently sits at £2920 out of £3000 goal, the current goal date is set to March ’22 but obviously I’m hoping to do that sooner if possible, now I’m theoretically no longer saving to get a month ahead. My current wish farm goals are the tea pot, a fancy whiskey glass, and those Dr Marten work shoes – but those have been sitting at £20 out of £200 for several months now, apparently those aren’t as urgent as I originally thought, but I’m also not ready to take the £20 out of it yet. It’s in category purgatory. 

16th November 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 I had a bit of a minor weird coincidence this morning

So I’m expecting to get paid either today or tomorrow, but I was hoping it was this morning as I need to go grocery shopping

So I was hitting refresh, refresh, refresh, on my banking app and eventually I hit the point where I was like “if I dont get paid in the next 30 minutes I’m going to have to start WAMing”

I still havent got my salary in – but you remember that switcher deal I did? That gets me £130? I wasnt expecting the money until late Dec/early Jan as they said it would be 90 days, but it turned up this morning

At least I can shopping now haha

Part of me is slightly wondering if it’s a mistake and they’ll take it back out of the account, but I’ll cover that with my salary if needs be

That being said – looks like I’m hitting my goal of getting a month ahead this month! I put £40 of the £130 into groceries, and the remainder £90 into Next Months Income, so I’m over £1000 now. On 1st Dec I **should** be able to refill my categories and switch to budgeting on the 1st. If all goes to plan.

Watch me get paid 10 min after I get back from Aldi

8th November 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’ve had a therapist assigned to me, so that will start soon. I was already doing better just knowing help was on the way, so in a way I was kinda hoping it might take a couple weeks more, then I’d have more time to try get a month ahead. I need £54.24 to hit my minimum month ahead goal (£1000, as per the logic I was talking about above). So I miiiiiiight be able to swing it for 1st Dec? But therapy take priority, so we’ll see. 

Also in side news, I think this month may the first month I don’t dip under £10k net worth the day before payday. I get paid in about 7-10 days and my net worth is currently at £10,300 and change. It would be a cool milestone, although its a more of a side effect than something I was actually aiming for. 

Also the dog went to the vet today for his annual vaccinations and they gave him a health check before, which I was so nervous about after last time, and they said the plaque off was working for him and they even said his skin was better on the new food (which I hadn’t noticed but is nice to hear)!

The Christmas shopping has started now, I’ve chipped in a bit for some baby books for my incoming nibling and I bought a gift pack of fancy tea to gift my family when I’m visiting them at Christmas. It includes a variety of blends and a £5 voucher. Totally not an attempt to convert them or anything 👀

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I have had to take a step back from the forums and reddit for YNAB the last week and a bit after the price change announcement. I think people on both sides are making good points, but the anger and hate flying around in what is usually a mostly positive place is sad and kind of exhausting. I think the messaging and communication was mishandled, but the price of everything is going up due to inflation, and this is the first price rise since I started using YNAB in late 2019 at least (and I get the impression even longer than that really). That being said, those on the legacy pricing should have had more than a months notice for such a large jump in price (for them). 

My renewal date is in two days, so I sneak in under the deadline and get another year of the old price, but it’s basically impossible to recommend a $100 USD a year app to anyone I know in my income bracket. I know the app and method has worked wonders for me, but if the price keeps going up I can forsee a day when I effectively “graduate” from the app and use what I’ve learned with another, cheaper, service.

That being said, I dont disagree that their costs are increasing and the price needs to go up. That’s how inflation works! It’s just not necessarily how salaries work, for some reason. 

But mostly I’m just looking forward to when things calm down a bit and the forums go back to being a more supportive place like it used to be.