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  • FIRST POST
    • edinburgher
    • By edinburgher 30th Oct 17, 5:22 PM
    • 10,885Posts
    • 58,080Thanks
    edinburgher
    The Edcawber Principle
    • #1
    • 30th Oct 17, 5:22 PM
    The Edcawber Principle 30th Oct 17 at 5:22 PM
    I think I promised a new and improved positive diary earlier on in the summer

    I'll try my best to keep it short and sweet, (unlike my credit card statements). Cutting a long story short, after renovating the house and an accidental car purchase (hey, it could've been a house!) we are probably better candidates for DFW

    We're now left with a much more relaxing house (we just finished our bedroom), a new car and £20,000 in credit card debt

    The new job goes fairly well, all things considered and our budget is starting to balance on a month-to-month basis. Basically I've said yes to everything, which is lovely, but immature. Mrs E realises the lie of the land and is supporting efforts to get back on an even keel. I'm eb@ying, saving cashback and making overpayments every Monday.

    DD and Mrs E are doing fabby, DD is the apple of our eye and remains chatty, affectionate and madcap
Page 21
    • beanielou
    • By beanielou 4th Feb 18, 5:17 PM
    • 50,598 Posts
    • 193,622 Thanks
    beanielou
    DD just said "I love you Daddy" unprompted for the first time ever
    Originally posted by edinburgher
    A moment to treasure
    Lou~ Debt free Wanabe No 55 DF 03/03/14.
    **Credit card debt free 30/06/10~** **Weight loss 2 stone 2 lbs **

    "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.
    It starts with you, it starts from now. *** It is ok to be me.*** ***Keep plodding***
    • Karmacat
    • By Karmacat 4th Feb 18, 5:27 PM
    • 28,542 Posts
    • 161,009 Thanks
    Karmacat
    DD just said "I love you Daddy" unprompted for the first time ever
    Originally posted by edinburgher
    Wonderful, wonderful moment.
    Retired August 2016
    • pinkypig
    • By pinkypig 4th Feb 18, 8:28 PM
    • 993 Posts
    • 8,479 Thanks
    pinkypig
    I need to get back out as well, have been running on a treadmill during the poor weather and as you'll know, it's very different! Much easier to push yourself to go to an air conditioned gym than a muddy park!

    No mud today - it was frozen solid

    £0.86 paid off a CC.
    Originally posted by edinburgher
    DD just said "I love you Daddy" unprompted for the first time ever
    Originally posted by edinburgher
    Lovely . I won't add make the most of it before she turns into a teenmonster
    • AlexLK
    • By AlexLK 4th Feb 18, 10:29 PM
    • 5,968 Posts
    • 31,449 Thanks
    AlexLK
    Definitely a moment to treasure, Ed.
    2018 totals:
    Savings £4568.77
    Mortgage Overpayments £250

    Saved £11,000 in 2015, £9,800 in 2016.
    From a £32,000 debt on 2/9/2013 to debt free on 12/1/2015.
    • gallygirl
    • By gallygirl 5th Feb 18, 7:36 AM
    • 16,435 Posts
    • 108,595 Thanks
    gallygirl
    DD just said "I love you Daddy" unprompted for the first time ever
    Originally posted by edinburgher
    How lovely Ed . You obviously haven't told her you're stealing her CB .
    A positive attitude may not solve all your problems, but it will annoy enough people to make it worth the effort
    Mortgage Balance = £0
    "Do what others won't early in life so you can do what others can't later in life"
    • edinburgher
    • By edinburgher 5th Feb 18, 9:22 AM
    • 10,885 Posts
    • 58,080 Thanks
    edinburgher
    How lovely Ed . You obviously haven't told her you're stealing her CB .
    Originally posted by gallygirl


    The way stock markets are going, she'll probably be glad just to get her capital back from the BoMaD!

    Back to work and back down to earth with a thump! Felt absolutely exhausted and nauseous last night, think it was perhaps a combo of overly greasy food and the stress of 100 miles or so of driving to an unfamiliar locale on the Sunday. Still feeling quite green.

    This was not helped by discovering an error on my debt repayment spreadsheet that meant that weekly payments were being calculated on a fixed schedule from the start of January (i.e. the date should have been updated to reflect the fact that time moves on). I fixed this and moved out the time period for repayment to 4 months before we need to remortgage (August 2020). Depressing, but a bit more realistic than the previous target of March 2019.

    £267.96 paid off a CC.
    • Watty1
    • By Watty1 5th Feb 18, 10:03 AM
    • 2,971 Posts
    • 21,115 Thanks
    Watty1
    I need to get back out as well, have been running on a treadmill during the poor weather and as you'll know, it's very different! Much easier to push yourself to go to an air conditioned gym than a muddy park!
    .
    Originally posted by edinburgher
    I joined a running club and that has helped. Mostly I run twice a week in all weathers with the club. I never managed to push myself to go to the gym but somehow the club has worked for me. I think it is the general companionship of running in a group and laughing about how mad it is when it rains. Its really worked for me and am probably the fittest I have ever been.
    Mortgage at start of diary Sept 2013: £132,995 Aug 2015 £0
    Overpaid next mortgage. £79,491 down to £27152
    Changing focus for now
    • edinburgher
    • By edinburgher 5th Feb 18, 11:01 AM
    • 10,885 Posts
    • 58,080 Thanks
    edinburgher
    I'd love to join a club Watty, but compressed hours at work make it pretty much impossible to make the expected times for groups. The flexibility of slotting in a workout is one of the things I love about distance running - leave your front door and you're already exercising!
    • VDOT47
    • By VDOT47 5th Feb 18, 11:04 AM
    • 97 Posts
    • 219 Thanks
    VDOT47
    I run 4 times a week (all outside, haven't run on a dreadmill for about 4 years) but have to have them pencilled in for the same 4 slots each week so as to fit them around other commitments. That way both I and OH know when I will be out. Does mean that I cannot be flexible to the whims of the weather, so have to make a choice sometimes between still going out in horrible weather or binning the run ......
    Mortgage (Feb 17) £269,995 Mortgage (14/02/18) £249,117.64
    End Date Oct 2040 Original End Date February 2042
    • edinburgher
    • By edinburgher 5th Feb 18, 11:56 AM
    • 10,885 Posts
    • 58,080 Thanks
    edinburgher
    I try and stick to slots, but unfortunately Mrs E's schedule is a lot more fluid than mine, so I end up having to chop and change. I don't really enjoy having to do this, but anything for a harmonious home
    • beanielou
    • By beanielou 5th Feb 18, 8:04 PM
    • 50,598 Posts
    • 193,622 Thanks
    beanielou
    I dont run at all!
    Lou~ Debt free Wanabe No 55 DF 03/03/14.
    **Credit card debt free 30/06/10~** **Weight loss 2 stone 2 lbs **

    "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.
    It starts with you, it starts from now. *** It is ok to be me.*** ***Keep plodding***
    • edinburgher
    • By edinburgher 6th Feb 18, 9:12 AM
    • 10,885 Posts
    • 58,080 Thanks
    edinburgher
    I think running is a very dignified way of describing my ragged clopping, but I get the job done Back to the gym this evening, feeling a bit perkier than yesterday but the 04:00 alarm call from DD was not appreciated.

    £0.25 paid off a CC. Meh, that's a bit depressing.
    • misscousinitt
    • By misscousinitt 6th Feb 18, 6:41 PM
    • 3,605 Posts
    • 20,835 Thanks
    misscousinitt
    Lovely moment with Miss E....

    MCI
    Mortgage Free x 1 03.11.2012 - House rented out Feb 2016
    Mortgage No 2: £91,471.25 (11.01.2018)
    OP's to Date £5500

    Renovation Fund:£736.95;
    Nectar Points Balance: approx £2.50 (after microwave purchase
    • AlexLK
    • By AlexLK 6th Feb 18, 9:01 PM
    • 5,968 Posts
    • 31,449 Thanks
    AlexLK
    Think I need to come on here to get some inspiration re. fitness. Walking my dog is about all I do at the moment.
    2018 totals:
    Savings £4568.77
    Mortgage Overpayments £250

    Saved £11,000 in 2015, £9,800 in 2016.
    From a £32,000 debt on 2/9/2013 to debt free on 12/1/2015.
    • edinburgher
    • By edinburgher 6th Feb 18, 9:45 PM
    • 10,885 Posts
    • 58,080 Thanks
    edinburgher
    Managed to finish my run, but I'm exhausted, too tired today.

    Only 3 more runs and I graduate from C25K!
    • PositiveBalance
    • By PositiveBalance 7th Feb 18, 12:27 AM
    • 639 Posts
    • 3,075 Thanks
    PositiveBalance
    to Miss E.

    to running.

    And to everything else (if you didn't you would cry! )
    Original debt to source: £11,640.02; debt repaid: £6201.01 (53%); remaining debt: £5439. 01.
    0% CC balance: £4999.10 then £4999.67 now £4886.20.

    Terrimundi: £22.00

    • beanielou
    • By beanielou 7th Feb 18, 8:14 AM
    • 50,598 Posts
    • 193,622 Thanks
    beanielou
    WEll done on the running.
    In awe. Be proud
    Lou~ Debt free Wanabe No 55 DF 03/03/14.
    **Credit card debt free 30/06/10~** **Weight loss 2 stone 2 lbs **

    "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.
    It starts with you, it starts from now. *** It is ok to be me.*** ***Keep plodding***
    • edinburgher
    • By edinburgher 7th Feb 18, 1:49 PM
    • 10,885 Posts
    • 58,080 Thanks
    edinburgher
    May have gone a bit mental at annoying work colleague

    Spoke to boss and matter will be resolved in a positive fashion relatively soon
    • ZTD
    • By ZTD 7th Feb 18, 8:58 PM
    • 23,570 Posts
    • 41,876 Thanks
    ZTD
    Spoke to boss and matter will be resolved in a positive fashion relatively soon
    Originally posted by edinburgher
    Positive fashion = application of electricity.

    That's current thinking anyway...
    "Follow the money!" - Deepthroat (AKA William Mark Felt Sr - Associate Director of the FBI)
    "We were born and raised in a summer haze." Adele 'Someone like you.'
    "Blowing your mind, 'cause you know what you'll find, when you're looking for things in the sky."
    OMD 'Julia's Song'
    • edinburgher
    • By edinburgher 7th Feb 18, 9:20 PM
    • 10,885 Posts
    • 58,080 Thanks
    edinburgher
    That would suit me fine - I'm one angry !!!!!!! when someone ticks me off

    £15 paid off a CC (Mr M's voucher recycling). Dear debt, I will stomp on your head
    Last edited by edinburgher; 07-02-2018 at 9:41 PM.
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