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Only freedom will do

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  • edinburgher
    edinburgher Posts: 13,933 Forumite
    Part of the Furniture 10,000 Posts Name Dropper
    I am a wuss - already got a headache and I've only cut back for one day! Ah well, lots of water and some paracetamol should do the trick :)
  • Dobbibill
    Dobbibill Posts: 4,194 Ambassador
    Part of the Furniture 1,000 Posts Mortgage-free Glee! Name Dropper
    I have just finished reading a book about caffeine, it has made me realise that I really need to cut back! This week's project will be cutting back to no more than one mug of coffee a day :o

    Woah Ed,

    :eek: and this is why I don't ..........read! :eek:

    one mug of coffee is harsh ;) cut down slowly instead :D

    I must be honest, I do love cenko in the mornings.........don't do anything rash ;)
    I’m a Forum Ambassador and I support the Forum Team on the Budgeting & Bank Accounts, Credit Cards, Credit File & Ratings and Energy boards. If you need any help on these boards, do let me know. Please note that Ambassadors are not moderators. Any posts 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 and not the official line of MoneySavingExpert.

    If you can't be the best -
    Just be better than you were yesterday.
  • AlexLK
    AlexLK Posts: 6,125 Forumite
    Debt-free and Proud!
    Can't say I've ever read a book about caffeine but I have cut coffee down to one cup per day, nothing to do with moneysaving but because it was making me ill. It was rather difficult to begin with but after a week or so I really noticed the benefits.
    2018 totals:
    Savings £11,200
    Mortgage Overpayments £5,500
  • Karmacat
    Karmacat Posts: 39,460 Forumite
    Part of the Furniture 10,000 Posts Name Dropper
    I've read a couple of books about the origins of coffee, and the way trade has taken off, its fascinating. I drink one cup a day of really strong brewed coffee, I got into the habit when I had a German lodger, and her parents came to stay - the whole house smelt divine :j and because its only one, it doesn't do anything to me if I don't drink it one day for some reason (rushing out early etc). Its a win-win :)
    2023: the year I get to buy a car
  • ljaneyr
    ljaneyr Posts: 1,135 Forumite
    Tenth Anniversary Combo Breaker
    Hi Ed

    When work is crap I spend most of my time, especially during the commute, thinking of ways I can get out of it! This really helps with my determination to save :)
    "It is often said that before you die your life passes before your eyes. It is in fact true. It's called living." Terry Pratchett
    Bought our house 2012 :) Married 2015 :D Started renovating 2015 :eek:
    Renovation fund... what renovation fund? :eek: Emergency fund 40% Future fund... ongoing...
  • Watty1
    Watty1 Posts: 6,933 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Combo Breaker
    I so love reading your casino and matched betting adventures. These are so on the list for later this year. Maybe after the lent challenge
    Made it to mortgage free but what a muddle that became

    In the event the proverbial hits the fan then co-habitees are better stashing their cash than being mortgage free !!
  • edinburgher
    edinburgher Posts: 13,933 Forumite
    Part of the Furniture 10,000 Posts Name Dropper
    Watty1 wrote: »
    I so love reading your casino and matched betting adventures. These are so on the list for later this year. Maybe after the lent challenge

    Thanks Watty, it is really ramping up for the Cheltenham Festival, something like 20 bets a day. I'll either be retired or homeless because I ballsed up the maths by the end of it ;)
  • AlexLK
    AlexLK Posts: 6,125 Forumite
    Debt-free and Proud!
    Do you really win more than you lose at the races?
    2018 totals:
    Savings £11,200
    Mortgage Overpayments £5,500
  • edinburgher
    edinburgher Posts: 13,933 Forumite
    Part of the Furniture 10,000 Posts Name Dropper
    AlexLK wrote: »
    Do you really win more than you lose at the races?

    Here's hoping ;)
  • abouttimetoo
    abouttimetoo Posts: 1,860 Forumite
    Part of the Furniture Combo Breaker
    Hi Ed, how's it going?


    Saw your update on the £12k in 2015 thread and your numbers are looking good :j I'm doing that challenge myself though not actually posted on the thread :o


    I was also mooching over on that board and was :rotfl:at one of your responses, to someone, not sure if you can recall it, it was the person saying they wanted to get rich just by investing and that they didn't want or need a proper job :eek: and wanted to use their benefits or some such to invest. It was as 'terse' as I've ever seen you but I was in full agreement with your comments along with the others in a similar vein!


    Hows the coffee reduction going?


    Regards
    ATT
    MFW Start Date 1.4.08. Updated 23.1.18. MFW date 1.8.18
    Original Mortgage o/s £187,643 / £71,904 (-115,739)
    Repay o/s £92,661 / now £55,900 (-36,761)
    Int Only o/s £94,982, now £16,004 (-78,978)
    Total daily interest £1 [a) £0.77 b)£0.23
    Total OP's:2018 target £TBC YTD £1,995
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