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 👀
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.