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The Edcawber Principle
edinburgher
Posts: 14,275 Forumite
I think I promised a new and improved positive diary earlier on in the summer :spam:
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 :eek:
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 :rotfl:
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 :eek:
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 :rotfl:
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Comments
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Yay, you are back with a shiny new thread :jMFW 2026 No. 7 £400/£5000
MFiT-T7 No. 6 £5515.91/£30,0000 -
Lovely to have you back Ed!4 YEARS 10 MONTHS DEBT FREE!!! (24 OCT 2016)(With heartfelt thanks to those who have gone before us & their indubitable generosity.)...and now I have a mortgage! (23 AUG 2021)Original End Date - Sept 2041 New projection - Dec 2039 (reduced by 21 months)0
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Great to see you back Ed! £20k would be slightly scary in anyone's hands but yours! I'm definitely following your diary.
I know how the accidental purchase thing goes. I now have a Vespa, like a cuckoo, alongside the Harleys in the cart lodge. It arrived on Saturday and I must insure, tax and start riding it. I need a new helmet first.Save £12k in 2025 #2 I saved £14,660.97 of £6000 or 244.35% of my target. The 2026 Save £12k in 2026 thread is here
OS Grocery Challenge in 2025 I finished the year at £2880.99/£3000 or 96.03% of my annual spend so I am sticking with a £3000 annual budget for 2026
I also Reverse Meal Plan on that thread and grow much of our own premium price fruit and veg, joining in on the grow your own in 2026 discussion thread
My keep within our budget diary is here0 -
Good to see you back on here with a new diary thread ed
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Good to have you back Ed and glad to hear new job is going well. Are you still doing your course?Nov 2025 - part 1 - £13,878 part 2 - £20,953 Total - £34,832 24 months to go!0
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Madcap is such a great word. Love to Miss E.0
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Lurked on your old diary for years - loved it. Looking forward to to!lowing this one officially now I'm out of lurkdom:rotfl:
Pp xOriginal mortgage £112,000 . Final payment due August 2027.
Mortgage neutral achieved August 2020 - 7 years early!!!0 -
Happy new diary :j :jBe who you are and say what you feel because those who mind don't matter and those who matter don't mind.
Personal Finance Blogger + YouTuber / In pursuit of FIRE
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shiny new 'fred' :j Welcome back :wave:know thyselfNid wy'n gofyn bywyd moethus...0
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I was just wondering where you had gone! Welcome back. No better man than you to pay off that £20k in short order, I am sure. Good luck with everything and love to all the family. XPaid off mortgage nine years early in 2013. Now picking and choosing our work to fit in with the rest of our lives!
Still thrifty though, after all these years:D0
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