YNAB week 4 - Before payday
YNAB week 4 is starting in the run-up to payday.
I’m struggling at the moment having spent the past few days in London with Mrs DannyUK, and not sticking to the budget, which is a ridiculous place to find myself.
That said, having YNAB there, running in the background, and updating it as I went along meant that I managed to keep my spending in check, even if I didn’t stick to my limits.
It was always going to be difficult, even when setting aside money in categories such as “Spending money” and “drinking”
The situation is made harder by the fact that I don’t get paid until Friday, so this morning I have spent thirty minutes or so re-evaluating my budget and adjusting it accordingly. The upshot is that I have little left to spend before payday in terms of “fun money”, but at least all of my bills are catered for.
It’s a shame that the same can’t be said for my savings goals, which - for this month at least - have been sacrificed in the name of cocktails in London. Oh well.
Friday should be interesting as I work in a job that pays a basic plus commission, and I have no idea what that commission will be yet. It means that I can’t plan ahead as I’d like to, and it doesn’t even allow me the luxury of knowing I have enough to pay my bills. Such is life, I suppose.
One of the benefits of using YNAB is that you aim to get to a stage where you are living a month in advance, which would be absolutely ideal in my line of work.
I have a day free from work today. All I need to do is to work out how to make this one cup of latte stretch out for the entire day…
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