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Simple living in the country - back to basics

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  • KajiKita
    KajiKita Posts: 7,573 Forumite
    1,000 Posts Fourth Anniversary Name Dropper Photogenic
    I have a savings buffer of £500 in a separate account from my ‘proper savings’ too! So glad I am not the only that does this! I thought I was being silly …. 😂

    KK
    As at 15.07.25:
    - When bought house £315,995 mortgage debt and end date at start = October 2039 - now £233,521
    - OPs to mortgage = £11,338 Interest saved £5225 to date
    Fixed rate 3.85% ends January 2030

    Read 39 books of target 52 in 2025, as @ 27th July
    Produce tracker: £227 of £300 in 2025

    Watch your thoughts, they become your words.
    Watch your words, they become your actions. 
    Watch your actions, they become your reality. 
  • starnac
    starnac Posts: 5,946 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Photogenic
    Two 3am bedtimes?? Wow! I would need a nap after that too! Did they manage to sort out his laptop or is it actually dead? 
    Goals for February
    Declutter 2/50
    Money Made £0/£200
    Overpayments £0/£200
  • beanielou
    beanielou Posts: 95,479 Ambassador
    Part of the Furniture 10,000 Posts Academoney Grad Mortgage-free Glee!
    Enjoy the park run. 
    I am a Forum Ambassador and I support the Forum Team on Mortgage Free Wannabe & Local Money Saving Scotland & Disability Money Matters. If you need any help on those boards, do let me know.Please note that Ambassadors are not moderators. Any post you spot in breach of the Forum Rules should be reported via the report button , or by emailing forumteam@moneysavingexpert.com. All views are my own & not the official line of Money Saving Expert.

    Lou~ Debt free Wanabe No 55 DF 03/14.**Credit card debt free 30/06/10~** MFW. Finally mortgage free O2/ 2021****
    "A large income is the best recipe for happiness I ever heard of" Jane Austen in Mansfield Park.

    ***Fall down seven times,stand up eight*** ~~Japanese proverb.
    ***Keep plodding*** Out of debt, out of danger. ***Be the difference.***
    One debt remaining. Home improvement loan.
  • It is the complete antithesis of the YNAB philosophy but I have a "general savings" category that I take from for all unexpected expenses. I'm definitely not taking out of defined savings pots or emergency funds if I can help it!
    Start mortgage date: August 2022; Start mortgage amount: £240,999; Original mortgage free date: August 2056
    Current mortgage amount: £226,957.97
    Start student loan 2012: £29,750; current student loan: CLEARED July 2025
  • joedenise
    joedenise Posts: 17,652 Forumite
    Part of the Furniture 10,000 Posts Name Dropper
    YNAB isn't bothered by what you call your catergories but think it's quite a good idea to have a "general savings" category.  Maybe I ought to do that rather than keep moving money around the pots when things go pear shaped!

  • Cheery_Daff
    Cheery_Daff Posts: 17,108 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    I think the only issue YNAB has with 'general' savings is that you shouldn't just have all your savings as general/miscellaneous ones - there's a risk of mentally allocating the same money several times over. Sounds like you've got separate pots for specific things, so I reckon having a pot that covers extra stuff you might need this month is fine! Not that you need approval from me 😂

    Parkrun this morning with final visitor - I've only done my local one once so it will be nice to do it again! I anticipate a slow one after the weekend's excesses 🙄😂 Then maybe a potter round town, and when visitor goes home, I might have a lie down for a while 😂 Mr Cheery is out all day tomorrow and I am looking forward to a day in the garden 😊
  • KajiKita
    KajiKita Posts: 7,573 Forumite
    1,000 Posts Fourth Anniversary Name Dropper Photogenic
    Enjoy the park run 😊

    KK
    As at 15.07.25:
    - When bought house £315,995 mortgage debt and end date at start = October 2039 - now £233,521
    - OPs to mortgage = £11,338 Interest saved £5225 to date
    Fixed rate 3.85% ends January 2030

    Read 39 books of target 52 in 2025, as @ 27th July
    Produce tracker: £227 of £300 in 2025

    Watch your thoughts, they become your words.
    Watch your words, they become your actions. 
    Watch your actions, they become your reality. 
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