u/sibongibob

This is not my first time being YNAB broke.

But this is my first week intentionally trying to make sure I don't "borrow" from my categories.

So far I've been good about not touching my emergency savings and bill funds. But usually the first to cover overfunding in my fun account are my sink farms and wish farms.

The funny thing is, I still have $150 left in my account for "fun". But this money is meant to only get "activated" next Wednesday. It's to fund my last week before my next biweekly paycheck. I've set it up so Week One "Payday Week Rich as Fuck" has it's own funds (120) and Week Two "Not Payday Week Broke as Fuck" has its own fund. Tricks me to believe I get paid every week 🤟🏿😝.

A few unexpected expenses came up which has led to me covering my cat contribution and life admin funds with my fun money this week. I didn't have the heart to dip into my emergency fund for something so small ($40).

But now the $40 to tide me over the weekend has gone, and knowing myself, my money psychology still has a lot to work on. Kindly looking for some tips on the MENTAL to live on this 8.81 and stick to my budget as well as I can🙏🏿.

Also what are some keywords to look up on reddit to read some more mental tips with money. So far I keep getting frugal life tips, but want more behavioural advice.

I'm not a developer, nor an entrepreneur, okay.

I'm also using YNAB for the first time, and getting to know the community, so I was wondering if this was discussed, or if there is an existing alternative that I don't know about. Is there an option to pay cheaper for manual updates?

If not, would anyone be able to make one in Australia, but is it a country/government issue? Like is it not compatible with Aussie banks?

Most advice I've seen is to track my spending and get to the root of all my spending habits and then changing them.

I've done something totally opposite where I've made a relaxed budget and created new accounts to budget my bills, savings and spending (meaning I auto transfer all the money I've estimated I will need from my salary). Then restricted access to my savings and bills account, meaning I am forced to use only my spending money all week. So far tough, hard to beat an impulsive spending habit, but this is working so far.

However, I feel like since I didn't do the root work of figuring out how I really spend my money, like most people suggest, it won't work long term. I've done the work before but it never really impressed much on me (but I was also 20 at the time and didn't really have bills and a consistent salary to rely on, whereas now I work full time 9 - 5 and have more budgeting needs).

Only reason why I'm asking is because tracking your spending takes a lot of time and effort, and is scary as well. Scale of 1 - 10, how necessary is it? Or can I follow this new regime and see how it goes?

edit: left some of my message draft in accidentally, now removed

And this one right here, Kandi?

She done called me several curse words like she just learned how to cuss.

Me saying piggyback shouldn't have hit you to where you went, "Oh what, you piggy the fuck back—DOO DOO DOO DOO"

Really?

It's something brewing with that bitch, but I'm gonna find out what that is.

They call themselves sitting on ready.

Guess what, if a bitch is sitting on ready, you don't need to be around me.

And if these goals don't want to fully hear that, I don't have to be around they ass.

you right.

Me and my hat, dead to the situation.

Jesus.

Dead to the damn bed.

Lord, have mercy.

Funeral, bury they ass, Phaedra.

I'm done, that's why I got on all black.

I didn't even know this shit was coming at me today, and I'm dressed to DEAD these bitches.

I am looking into reading Dickens, namely David Copperfield which will be my first. Having just read Pride and Prejudice, one key takeaway I took was that knowing the context of the time was crucial in understanding the subtext of the story. For instance, the importance of introductions, and the importance of connections etc etc.

So, I was wondering if there are any specific things to know about the time that might help with reading Copperfield>

The book seems to suggest (at least for me) that Elizabeth absolutely despises her family and wants to leave as soon as possible, but I find that very sad.

Apart from her mother's irresponsible spoiling of Lydia and their negligent father, I can't really find anything else to support Lizzie's wishes to not interact with them as often, and just have fun with her husband and friends in Pemberley. My wish instead is that Mr Darcy grows to appreciate his in-laws, even though the book is more on his side that he will not tolerate her mother and her aunt's silliness. Lydia and Wickham, I can understand, but the rest of Meriton I feel for.

In our times, going non-contact with family that has hurt you is encouraged and celebrated, and I don't disagree with the idea. But I think family is important, and I hate the idea of family being too much of embarrassment so they have to be avoided. I think I'm just feeling overly emotional about this right now.

I know that's a modern take, and the times were different, but is there any redeeming of the rest of the family (the mother especially) to the prudent and sensible Darcys?

It starts with the camera videoing the crew running from overhead. Two of the crew turn left, but purple turns right in a different direction.

A crew member is doing tasks in elec, and then purple comes over with a guilty expression and kills them off camera I think.

I forget the rest. Does anyone else know the video?

I don't get why she wanted to provoke Darcy by making fun of Lizzie's looks. I get she is angry and lashing out, but why is she provoking Darcy? Is this her attempt at flirting - by teasing him?

And here I thought Mr Darcy was NOT to be laughed at!

Persuaded as Miss Bingley was that Darcy admired Elizabeth, this was not the best method of recommending herself; but angry people are not always wise; and in seeing him at last look somewhat nettled, she had all the success she expected. He was resolutely silent however; and, from a determination of making him speak, she continued, “I remember, when we first knew her in Hertfordshire, how amazed we all were to find that she was a reputed beauty; and I particularly recollect your saying one night, after they had been dining at Netherfield, ‘She a beauty!—I should as soon call her mother a wit.’ But afterwards she seemed to improve on you, and I believe you thought her rather pretty at one time.”

“Yes,” replied Darcy, who could contain himself no longer, “but that was only when I first knew her, for it is many months since I have considered her as one of the handsomest women of my acquaintance.”

He then went away, and Miss Bingley was left to all the satisfaction of having forced him to say what gave no one any pain but herself.