28th December 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.

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 alive! 
It’s been a hectic time, but I have two whole days to breathe before rushing off somewhere else so I though I’d take 5 minutes to check in on my budget.

~*~

So the good news is nothing went into the red, the bad news is I kind of overspent on Christmas. That seems like a contradiction. But the mess with switching from budgeting on payday to budgeting a month – it was always going to be a messy month whether it was December or January – and then adjusting goals, and then fulfilling the goals, but I’d already bought some presents, essentially I paid extra into the Christmas categories but because the categories weren’t empty I just saw I still had money to spend. Which I did, so thats ok, but I spent more than I intended. But it was money I actually had. 

I sort of suspected that was happening but I didnt actually confirm it until I checked the reports just now.

2021

Christmas Family Intended Spend: £150

Christmas Family Actual Spend: £206.47

Christmas Friends Intended Spend: £60

Christmas Friends Actual Spend: £0 (but they didnt spend anything on me either…. I think we all silently agreed not to do anything this year? Idk, I only noticed this 5 minutes ago)

Christmas Misc Intended Spend: £90

Christmas Misc Actual Spend: £118.70

None of the categories actually went red though, somehow, and I feel thats the important thing.

Anyway for 2022 I’m setting the goals to be £210, £60 and £120 respectively, though with inflation god knows what that’ll look like in practice.

~*~

When switching back and forth between January and December I noticed that January has an extra £30 in “Ready To Assign” Compared to December. I’m not sure why that would be, but seeing as January is all of three days away I might just let it roll over and sort itself out. 

~*~

That tea advent calendar was really nice, but I don’t think I’ll be doing it again. In fact I actually went so far as to delete the category. Simply because – and I didn’t think I would say this – there was too much teaThe calendar had 2 teabags in per day, so I was having one in the morning, one at lunch, and I wouldn’t always feel like a third cup of tea in the evening before bed. My tea stash has been growing uncontrollably because I havent been able to drink any of my at-home stuff! 

I think if someone didnt know the brand or didnt have as much of  a stash at home it would be a really food buy, it just didnt suit me personally. 

~*~

So this is what my budget looks like for the New Year. As always, this does technically add up to more than my average salary is, but I dont often empty every category all the way to zero, so it usually works out 

If you don’t want to read the whole thing, the highlights are

  1. The Dog Food category has gotten more complicated because I want to switch to bulk orders to save money
  2. I’m saving up for a fancy whiskey decanter next year
  3. I bought myself some Sims Packs for Christmas
  4. I’m increasing my House Deposit monthly contribution from £25 to £200! Also I put in £90 extra in December, from that money I couldn’t decide what to do with 
  5. I’m putting extra money into my Emergency Savings, £25 per month, to try get it to a true 3x monthly income instead of 3x expenditure. I’m also putting £25 per month aside for a big emotional goal I mentioned previously, and for general vacation savings, because I’ve heard those are nice occasionally. 

~*~

Weekly Spends

Groceries £160

Household £20

Hobbies £20

Takeout £25

Online Shopping  (no target set)

Stuff I forgot to budget for £20

Medical £10

Monthly Expenses and Bills

Birthday Of The Month £25

Work Misc £10

Human Groom £20

Public Transport £60

Rent £350

Mobile Phone £18

Fancy Tea £31.95 (subscription + a little extra)

Investing £25

Social Spends £50

Charity/Artists (no target set)

RPG Night £20 – I actually don’t know why I still have this category, this group hasn’t met since prepandemic… I guess I’m just not ready to let go yet haha. I should find an online group.

Clothes £25

Dog

Food & Treats £15 – This was actually really hard to set a target for as I want to start ordering bulk food online, but also want to get small treats along the way, but dont really know how long this current bag of dog food will last me. So this is a bit of a guesstimate

Dog Groom £40

Dog Vet Plan £14

Dog Insurance £44.76

Yearly Expenses and Savings Pots

Dr Marten (work shoes) £20 out of £180 – this has been sitting here a while, I guess I don’t want it as much as I originally thought I did, but also I don’t want to take it off or empty it. So here it stays.

Works Night Out £5 per month, let it build up

Whiskey Decanter £90 by Dec ’22 – I really want something like this or this or this or this… I haven’t picked the exact one yet, I can decide in December

Bird Blend Christmas In July £40 by July ’22 

Prescription Prepayment Certificate £110 by Nov ’22

Sims £10 per month, let it build up – Currently at £0 because I bought some packs over Christmas. I’d been letting the category build up for a while as I couldn’t decide between packs, then they had a massive Christmas sale and I spent £60 all at once and with the sale prices I actually managed to get almost everything I wanted 

Tattoo £5 per month, let it build up (currently at £90, sometime in 2022 I can get something done!)(Also, haven’t 100% decided what yet… though I’ve narrowed it down to top 5)

Name Update Documents £10 per month – Just my passport to go, I think

Microsoft Office £5.50 per month (I need to check into when that needs renewing)

Fitbit £130 by July ’22

New Year Whiskey £100 by Dec ’22 – I actually spent £110 in Dec ’21, they’re good salesmen, but I was able to WAM it as I’d only saved £90

Glasses £70 – achieved, just sits there waiting for its moment

FA Diploma £30 per month

Subscription £50 by Feb ’22

Next Phone £31 per month – Currently sitting at £527, not feeling the need to replace my phone just yet, though its been maybe 4 years now

Next Laptop £30 per month – Currently sitting at £660, wanting to stretch this laptop out as long as possible in the hope of saving up enough for a desktop (and desk, and screen, and speakers) next time

Pride Savings £5 per month – Currently sitting at £93.96, Pride seems very much a thing of the Before Times

Dad’s birthday £100 (no target set) – Still havent decided what to do with this

YNAB £90 by Nov ’22 – To account for currency fluctuations, as of today that would be $120 USD but in 11 months who can say

Divorce £1000 (no target set)

Christmas Misc £120 by 25th Dec ’22

Christmas Friends £60 by 25th Dec ’22 (achieved)

Christmas Misc £210 by 25th Dec ’22

Therapy Refill to £200 each month

House Deposit – BIG NEWS – I’m increasing this to £200 at last! The type of account I’m using for this in the UK you can only put a maximum of £200 per calendar month in, Until now I’ve been putting in £25 per month just to keep it ticking over and I’ve been frustrated that I’m not making more progress. So I’ve decided to listen to those frustrations and, now I’m a month ahead, prioritise this. I mean, £200 per month still wont get me very far in a hurry, but I am very excited about this change in pace and direction. Hopefully at some point in the future I can start putting £300 per month aside, then £400. I would need to keep the money stored in two separate places instead of one discrete unit but YNAB doesn’t care about where your money is kept anyway.  Also, I said before I had some money I wasn’t sure what to do with? I did, in the end, move £90 extra than my usual December contribution in my house deposit category & account. It needed to be done by Dec 31st because of the “£200 per calendar month” rule. As of tonight there’s £1207.11 in that account & category. 

Next Move £1000 (no target set)

Emergency Savings £25 per month – Currently at £3000

Big Emotional Goal £25 per month – To try get it to a true 3x monthly income instead of 3x expenditure

Vacation

Canal Boat Training £500 (no target set) – I still need to do this at some point

Vacation Misc £25 per month -No concrete plans just yet, not even a whisper of a plan, just a vague intention to set some money aside to do something fun at some point

~*~

I do have a wishlist category as well but I’m not actively funding those and this post is already long enough

3rd December 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 have had complete choice paralysis over which wishlist categories to put that £200 into (actually £230 because I ran out of regular categories to overfill) 

In the end I’ve tried to “break the seal” and just thrown bits of it into some smaller wishlist items – a travel dog water bottle, a filter for my laptop screen to make it easier on the eyes, and a tea cold brew bottle 

I’ve also taken the opportunity to buy a bulk bag of dog food, see if that works out more cost effective or just more hassle

Big spender, I know

I took a gamble on a £5 puzzle dog toy and he really took to it so I’ve ordered a £20 one to arrive along with the food

Why is it easier to spend money on the dog then myself?!?!

It just feels like theres nothing I really want, double especially theres nothing I want **now**, that I could get for £200

It’s like, either I want a bag of tea and a sims expansion pack (which are both budgeted for)… or I want a house

So I’ve got about £87 left on that holding category that I cant decide on yet

If I cant think of what to do with it by January I’ll put it in my house deposit fund

My other anxiety is that by leaving it unplanned I’ll frittle it away on tat

This may be the most first world problem ever, and there is no one outside of budgeting forums I could talk to about this 

“Oh no, I cant decide what to do with my spare money!”

It’s not exactly that its spare, it’s that it’s an amount large enough I feel I should do something special with it, but too small to do anything truly significant with it

In response to someone asking which dog puzzle I got

are you in the UK? I got mine from Wilko and Pets At Home

This is the Wilkos one 

https://www.wilko.com/en-uk/wilko-interactive-paw-search-reward-dog-toy/p/0507007

This is the Pets At Home one 

https://www.petsathome.com/shop/en/pets/trixie-dog-activity-chess-%28web-exclusive%29

In response to someone asking which RPG games, and games in general, I play

Hi 🙂 Sims and Minecraft would be my main ones, I don’t have much time around work haha. In terms of RPG I do like Divinity: Original Sin 2. I think Massive Chalice could also be called an RPG? 

Stardew Valley is quite a relaxing game, think of it similar to Animal Crossing you may have heard people talk about, you’re a little farmer tending your farm, but there are monsters you can fight if you choose, but you dont have to. 

For something completely different I like Game Dev Tycoon, Rimworld, Prison Architect – but those are more strategy or simulation games, where you have to manage a colony or a prison or a game development company, you don’t play one character, you control multiple characters. Those are more similar to Sims I guess, but slightly more story driven instead of the sandbox style of play Sims has. 

1st December 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 a month ahead 🥳

I’ve switched all my goals to spending monthly (or spend by date in the case of some of my yearly goals)

I switched the Christmas goals to needed for spending, by date, repeat yearly, but because I’d already spent some on Christmas presents it got a bit confused and wanted me to contribute even more to make up the numbers

I don’t mind that so much – it’s not as if I wont be able to find reasons to spend it, this time of year!

I needed even less than I thought. I knew I wouldn’t need the full £1000 as not all my categories were empty yet, but it was very challenging to work out how much I would need

In the end I had £316 left over after all my categories were refilled

I’ve decided to sprinkle £116 among various categories and overfill them for the Christmas season – I’m talking categories like Social, Take away, etc (…I may have already this morning put in a special Christmas tea order) 

£200 I’ll put into wishlist items, I just havent decided which items yet. At least one wish list item is also on the Christmas list I gave family, so might need to wait and see

Its nice getting to the first of the month and seeing everything in green instead of orange, because the goals are set up properly now

Edit to add: I was also able to refill my E-Fund to £3000, which I originally thought would wait until March

Also, starting my tea advent calendar today! 

In response to a comment

 I did like budgeting on payday but I got fed up with all the goals not quite working right because I budgeted mud month lol 

I’m still going to budget once a month, I’m just shifting the day (though this pay cycle I kind of got to budget twice!)

The actual month ahead/1 month replacement category is just an E-Fund from a different angle

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

~*~

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 👀

~*~

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. 

20th October 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. Payday. Payday payday payday. 

I did end up cancelling that dog food subscription. The first delivery was so much faff, delays and redeliveries and then slightly the wrong food (the wrong food part was my fault, but when I tried to switch it for the next month, the food I wanted was out of stock for over a week and I couldn’t switch it back), so in the end I gave up and cancelled the subscription. In the New Year I’ll sort something out, but for now I just do the 20 minute walk to the one shop that stocks this brand. 

I have managed to negotiate the price of therapy down a little. Only by £8 a session, but… eh. Take your wins where you can, I’ll be saving £32-£40 per month more than I would have otherwise.  I’ve done the assessment with them, now I’m waiting to be matched to a counsellor. (Apparently in the UK the terms therapist and counsellor are pretty much interchangeable)

I’ve decided how I’m going to handle it budget-wise is that each month I’ll refill my therapy category back up to £200. Whatever is left after that will go into my Next Month Income category.

If I can get that category over £1k by January, it might be worth trying to get a month ahead anyway in the New Year. A lot of categories wont be 100% empty yet as I will have only just filled them 12-15 days prior (depending on where payday lands around the weekend) so it might be worth giving it a shot.

For context, my goal for the NMI category is £1312. My rent is £350. So, on the 18th Dec I get paid £1312, I assign £350 to the rent category, I assign £ to the NMI category, making it £1k exactly, I assign £ to everything else on my budget, filling them as normal. Rent is not paid until 2nd Jan. On the 1st Jan I take that £1k and start assigning £ to all the categories, HOWEVER, my rent category already has £350 in it, so I do not assign more £ to the rent category, as I will not need more rent £ until February. So, not including the rent category, £1k should be enough to cover every category. Every category should be full. On the 18th Jan I get paid again. I put this money straight into the NMI category and leave it, as my categories should have enough money in to last the month. On 1st Feb I assign money to all my categories, this time including rent. 

That works, right? My logic is sound? Its only going to be difficult for one month, then after that things get much easier as the goals in the app will start to work correctly for me.

NMI currently has £945.76 in, so if I can get £54.24 together over the next two paychecks… right around Christmas though 😬😬😬

The goal of replenishing my e-Fund to £3k has been pushed back to March ’22, it is just not my priority now. It has £2899.88 in, if something happens in the next two months I’ll start cannibalising other categories if need be. 

One thing I am getting slightly frustrated about (which makes me think that it needs to be my next priority, if I’m feeling frustrated) is the lack of progress on a house deposit. I’m sure I’ve said similar before, but; my next worth is currently over £10k, five years ago I’d have thought “oh, thats house deposit money!”

I’d have been wrong, because 10k will NOT get you a house anymore, but of that 10k (technically just over 11k, because I’ve just been paid), only 1k is assigned to the House Deposit category. One of my friends suggested moving money from other categories into the House Deposit category, which is a valid suggestion, but then what if (for example) my laptop breaks? I have to move the money back where it was before. There aren’t many single categories I could raid that would move the needle much. Most of my categories have less than £200 in. Of the ones that do have more than £200 – do I take the Divorce Fund? The Laptop Replacement? The FA Diploma money? Of the smaller categories – maybe a few of them bundled together would add up to something substantial, but even then I’m still a long way off. If I was less than a year from completing my house deposit, maybe I could cancel Pride, the tea subscription, the tattoo, the new year whiskey even – but I’m easily 5 years away from having a house deposit, its a marathon not a sprint.

So yeah I think that the fact that it’s bugging me so much tells me that, once I’m a month ahead, house deposit needs to be my next priority. 

And then, finally, the thing we’ve all been excited about… YNABSwag. I did not know what to expect as I did not participate at all last year, but I was able to WAM a little and get myself a lil something-something this time 💛 Free shipping, even to the UK, was a pleasant surprise. Kind of guessing at the sizes but fingers crossed it’ll be ok. 

In all this cost me about £51 so far (there may be some customs fees to pay when it arrives, we’ll see). I’d set aside £30 specifically for YNAB merch, and was able to WAM the rest from clothing. Two of the things I bought were genuinely clothing anyway, so it all works out. 

In response to someone suggest I look into getting a LISA

I managed to get a H2B ISA before they closed down

You can HAVE both, but because they are both cash ISAs you can only PAY INTO one per tax year

(I **think** stocks and shares LISAs exist, which would be an exception to that – but then I also already have a stocks and shares ISA elsewhere haha)

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