I’m taking control of my life, now.

boxofpaws

Lots of lovely visitors and I haven't replied to any. I will do and I'll do a proper update later but I'm just popping in now to say I have spent quite a lot of money on the last few days, and as tempting as it is to pretend I haven't or not post again, I am just going to post it here, and move on.

Dinner on Wednesday £57
IKEA - £65
IKEA meatballs £10
Lunch today £30

Be back later, enjoy the sunshine everyone

motivated

At least you have accepted that you've had a blip and not hidden away from it. (As I have in the past). Move on from it and I hope you enjoyed the dinner and the meatballs. I love meatballs
M

boxofpaws

motivated wrote: »

Hi BOP

Another YNAB confused here. When it says link your accounts to it I'm not sure if it actually links to your real bank account. I'm sat here thinking :eek: what if I get hacked and someone steals all the money I don't have :rotfl:

Sorry for looking like a complete tw*t but I so want to be able to get my head around it.
M

Somebody would be sorely disappointed if they tried to steal my money, on account of not having any

armchairexpert wrote: »

You can link your account to it if you're in the States, not sure about the UK - I know it doesn't work in Australia. And you don't have to link actual accounts! Just set it up so that it mirrors your actual accounts. I have Mortgage, Transaction and Credit Card accounts in there, but it's not talking directly to my bank: I'm manually telling it what's happening.

And BOP, although it treats expenses as monthly, it won't 'take off' your mortgage payment before you get paid, if you don't record it as an outflow.

If you'll get paid before your mortgage payment comes out, wait until you get paid and then budget some of those pounds into the Mortgage category. If your mortgage payment comes out before you get paid, then it's coming out of last month's pounds. I think what you're doing is trying to enter all your upcoming expenses before you have the money to pay them. YNAB is very much a 'don't forecast: allocate pounds you actually have' program.

When I started, the balance already in my transaction account was my income for that month. I budgeted only the things that I knew had to be paid in the next few days, before I got my salary payment. So: groceries, a couple of DDs. When I got paid next, I added some dollars to the next set of bills that were due, including the mortgage. You only budget the money you actually have on hand, even if that means there is zero money against expenses that you know are upcoming.

I need to be able to forecast, for annual spends. And that's the way my brain works.

Deleted_User wrote: »

What a great day yesterday.

Well done on being in the next level debt wise, it's going down nicely.

Pmo2
X

Thank you, I'm pleased :T

boxofpaws

Treadingonplaymobil wrote: »

I also manually tell YNAB what's gone on in my account. It's good for me because it makes me actually register and consider every expense as I enter it.

Also, the 'entering things as you have money to pay for them' was the thing that made me realise how much more we had going out than coming in - I couldn't make what we had coming in meet our 'ideal' outgoings, and that contributed towards us sorting out our budgets.

It would only be me doing it, there is no way of enticing the husband to get on board with this. He's just not interested. In fact he is a bit of a saboteur. I feel like I have to mentally harness him all the time.

Cumbria_lass wrote: »

BOP Hello,

Not checked in for a while. Things seem to be going well for you . All talk of YNAB sends me in to a cold sweat. Much prefer pen and paper., each to their own. Hope you get to grips with it .

I might just be sticking with my spreadsheets. Thanks for checking in

Bobarella wrote: »

Imbalance of fruit and veg? Soup and crumble round at yours

I think soup might be the order of the day. I love it for work:)

boxofpaws

Hello diary,

I've gone a bit quiet haven't I? I have lost focus slightly as I completely predicted I would after 12 weeks. We have had a carefree couple of weeks.

However I have kept the debt busting in mind and not gone absolutely crackers and I did a few mental calculations and I don't think it's that bad. Certainly the Big Number is going down and CF is looking great.

Our £1000 cheque cleared and we are using it to book a holiday. So far we have spent £275 on flights and £120 on deposit for a flat for a week (£379 for the full amount). Reckon we will have to contribute £200 from CF but we will have a week away in Croatia at the beginning of June with our little inheritance. Very MSE, and it's motivated me to start running again.

Be back later or tomorrow with the New Big Number. Hope everyone else is ok.

Paws

parsniphead

We all slip at times. It doesn't matter as long as you get back to it.

Its nice to have something to look forward too, and Croatia sounds nice.

lincs1205

Hi Boxofpaws,

Have just been having a read of your diary and like you i am so pleased that i found my way back to mse just not the circumstances which have brought me back. Your plans of how to get debt free look great and i may well pinch some if that's ok. Good Luck

System

Glad your back , missed your posts,. Holiday not far off for you .

Bobarella

Horray for holidays!

JoJoC

Croatia sounds like a treat! You'll need to let us know how it is for a holiday

We all have our off weeks/ months but the important thing is bringing it back around and being able to start over. Looking forward to seeing your new number!