Edinburgher gets cracking!

Mortgage_Reduction_Novice

The cold makes you appreciate the warm... another life lesson but less profound.

edinburgher

Criminy - I am feeling incredibly guilty about my outgoings over the last few weeks - need to start reining it in, but it feels like the worst possible time! :eek:

I had an ok time at the work lunch yesterday, but between lunch, the pub and the takeaway I had that evening, I spent something like £60. I have also had 3 takeaways and 2 trips to the pub in a fortnight and my recycling bin has a fair few beer cans in it...

Not quite sure where to start with the better habits - any suggestions? I was thinking that aiming for no more midweek booze, not salting food after cooking and limiting us to no more than 1 takeaway a month might be sensible starters? Mrs E is off to the gym, also making me feel guilty.

£15 payments into the OP Pot and the EF again today, at least I'm sticking to my *financial* goals.

HelenDaveKids

I added up my mid week booze and decided to give it up although had a few slips..

Secret_Saving_Squirrel

Sounds more like a new year decision than a pre Christmas one! But very good idea to avoid midweek drinking.

gallygirl

HelenDaveKids wrote: »

I added up my mid week booze and decided to give it up although had a few slips..

Secret_Saving_Squirrel wrote: »

Sounds more like a new year decision than a pre Christmas one! But very good idea to avoid midweek drinking.

Probably worth pointing out that Christmas Day is a Tuesday and New Year's Eve a Monday...................

Vala-Mal-Doran

Edinburgher Where on earth do you find these £15 daily overpayments from? You are putting me to shame, I make one big(ish) one when the normal mortgage payment goes in then I sit and wait for the next month whilst trying to get the odd cashback on things to help bump the OP's up a bit! Looking back on your posts its pretty amazing going! :T

VMD

edinburgher

Thanks VMD - I've actually got my driving instructor to thank for the £15 payments (£30 a day because I save our emergency fund at a 1:1 ratio). He got sick just before a driving lesson and cancelled, which pushed out the date before we needed to book another block, saving us £630 :T

Don't think I routinely have a spare £30/day, I'm not rich :rotfl:

£15 into both the OP Pot and the EF today - just about to hoover before Mrs E comes back from her driving lesson and then off to the pub for a leisurely lunch and a couple of pints. I'll behave myself, but it is a challenge having a pub with its own microbrewery within a 10 minute walk.

I believe we're now down to 1-2 presents left to buy, so I can start to take stock of the damage before payday on the 20th (early for Christmas). We'll definitely be able to make another £500 payment to Santander before the new year.

Tilly_MFW_in_6_YRS

Mr E, enjoy the pub. If Mr T had a micro brewery 10 mins walk away, I may never see him :rotfl:

On the booze front, I am stopping drinking from 2 January until Easter - that may be too long for you, but I'd be happy for the company if you are stopping mid week. Sounds like a few people will stop on Monday through Thursday- maybe any money normally spent on booze could be OPd, didn't think of that before.

Best wishes Tilly x

linz

Just butting in to say I love the idea of giving up booze from Jan to Easter Tilly, I might steal that idea for myself. Not only is it a healthy thing to do, but any money saved can be OP'd as you say. Thanks for sharing !

edinburgher

Easter is my birthday this year, so not the worst idea ever That said, lord only knows what state I'd be on on my birthday