YNAB...ing my way to freedom!

greensalad

Following as I'm also an avid YNABer! It really is the key for me. I looooove payday, fully funding up everything. Do you plan ahead into the next month? I'm still working on a month by month basis but I do have a small emergency fund at least.

Mx_Emmin

I'm going to subscribe to this as well as a fellow YNAB fan...   I'm not a month ahead yet, focusing on my Emergency fund first

joedenise

I've been using YNAB for a few years now and am now a month ahead which is brilliant as a pensioner.  Also have a small emergency fund and also manage to save for a nice holiday every year.  

You'll get to the month ahead eventually but it does take a while to get there.  Not sure I'd have managed it without YNAB.  Would like to build up the emergency fund a bit more but also still want to have nice holidays as well as it only builds slowly but we'll get there eventually as will you.

Poppy1984

Hey frank 👋 
i also LOVE the idea of being a month ahead, although I don't use ynab I just use the spending tracker app and have my pots in different bank accounts. 

I think I'm a long long way Off being a month ahead though. I think once I'm debt free that might be my next goal along with a healthy EF. 

Keep up the good debt busting  

Poppy

SuperFrank88

greensalad said:

Following as I'm also an avid YNABer! It really is the key for me. I looooove payday, fully funding up everything. Do you plan ahead into the next month? I'm still working on a month by month basis but I do have a small emergency fund at least.

Hi @greensalad (Love the name btw)

Yes I plan ahead into the next month. I did get to the stage where I was fully funding the next month too but I decided instead of just fully funding future months, I would up my savings into my S&S ISA. I honestly do not know how I managed without YNAB before....well I didn't manage! It is plain to see now.

SuperFrank88

Mx_Emmin said:

I'm going to subscribe to this as well as a fellow YNAB fan...   I'm not a month ahead yet, focusing on my Emergency fund first

Hi @Mx_Emmin, Thank you for subcribing. I have been a bit quiet of late but need to pull my finger out and get back to staying accountable by updating more often.

Definitely a great idea to build that EF fund first. Do you have a diary?

SuperFrank88

joedenise said:

I've been using YNAB for a few years now and am now a month ahead which is brilliant as a pensioner.  Also have a small emergency fund and also manage to save for a nice holiday every year.  

You'll get to the month ahead eventually but it does take a while to get there.  Not sure I'd have managed it without YNAB.  Would like to build up the emergency fund a bit more but also still want to have nice holidays as well as it only builds slowly but we'll get there eventually as will you.

Hi @joe@joedenise

Yes I am a month ahead also, well the only thing that I have coming out of this months salary on the 20th is my S&S ISA contribution, so that is savings anyway. Absolutely love YNAB, wish I had found it years ago but hey ho. I agree with the balance of having a nice holiday as well as building the EF up. At the start I was too strict with myself and went without, soon realised that that was not sustainable so I think I have found the right balance now where I am putting money away but also living life. As the saying goes "Tomorrow is never guaranteed" .

SuperFrank88

Poppy1984 said:

Hey frank 👋 
i also LOVE the idea of being a month ahead, although I don't use ynab I just use the spending tracker app and have my pots in different bank accounts. 

I think I'm a long long way Off being a month ahead though. I think once I'm debt free that might be my next goal along with a healthy EF. 

Keep up the good debt busting  

Poppy

Hi Poppy, I hope you are well. Even though I have not been updating my own diary, I have still be following yours as I get notified when you post

I also love using monzo for my pots. Is that who you use? I have heard they are not doing very well at the moment though through the pandemic. Would be a huge shame if they folded. 

Wishing you luck for the rest of the year too, you've got this 

Frank

Dandytf

Hi mser's
Is everyone paying fort YNAB.
It went quite expensive, the last time I checked.
Though have some basic use form the original free version.

SuperFrank88

Hi everyone,

So yes, I have been useless at posting recently. That needs to change so that I am staying accountable because even though I am still sticking to my budget really well using YNAB, I feel like my mindset is getting a bit sloppy (If that makes sense), maybe lost a bit of focus. But can't be too hard on myself because I am doing really well with my finances compared to the start of the year!

Lots of accounts are starting to default now and offer letter/payments are starting to be made which is great as it means the balls is well and truly rolling now. I am so glad that I have YNAB to keep track of all these small payments going out, because I am useless on Excel so it has been a godsend. It is part of my daily routine now to make sure everything is updated and only takes less than the time for the kettle to boil

I had a week off last week which was well needed. Spent the first half of the week helping a family member lay a patio! My back was in half by the end of it, but it turned out fab and I learnt lots of new skills if I ever need to do anything like that myself. The second half of the week was spent in the Brecon Beacons in my MIL' caravan. It was so peaceful and a proper reset that was needed! OH & I went on lots of walks around Brecon, such a beautiful part of the world! Weather was gorgeous too.#

In other news, the front garden project is complete. So happy with the outcome. It seems a shame to fill the area with a summer house now as it looks fab and gives us so much more space in the front garden which we didn't have before. Neighbours are jealous 

I have been looking for a summer house/ gym for the last few weeks but they are so difficult to get hold of now as more people are working from home so everyone is ordering them. One company I am interested in, the waiting list in now into February 2021!! Bonkers! May just but a gazebo to tie me through the winter so that I have got a bit of shelter to train outside.

That's it from me for now. First day back to work and first day back on the 'health' wagon after a week of eating $**t. Piling the pounds on so need to pull my finger out.

Speak soon,
Frank