The Edcawber Principle

beanielou

edinburgher wrote: »

It's getting worse before it gets better! Mrs E was sick last night, now I have the lurgy (was awake from 3-6 before getting back to sleep). Am blasting it with water, Lems1p-type things and vitamins.

£9.31 paid off a CC.

Oh no

edinburgher

Another rubbish night, although I did get some snooze. Apparently DD was found wandering on the landing asking for hugs at about 4 in the morning - no recollection!

Mrs E has taken DD to a post-Christmas panto today, so I have a few hours to myself. I've processed a few loads of laundry and have been at Sainsbo's, squeezing all the value I could out of a £10 voucher we got at Christmas.

I picked up a couple of heavily discounted stocking fillers for DD for next year (a charm bracelet and some bath bombs) and some random grocery bits and bobs. As this meant that we spent the voucher on budgeted things, I transferred the cash equivalent to the rest of the family. Only a few quid, but it all helps I think the rellie who gifted it would be pleased at my attempts to economise

A courier has dropped off a couple of cheap presents for next year (a couple of gifts from H@wkins Baz@@r that had been slashed in the sale). Pleased with them both as they're good gifts for the recipients (as opposed to buying reductions for their own sake). I buy more for adults than children from that particular shop!

Spreadsheets tidied and the like, paid £8.05 off a CC, giving some thought to buying myself a wee computer game from the Christmas money I received from the in-laws.

Have a good day everyone :coffee:


Edit: Game was £6 - stop over-analysing everything!

beanielou

All sounding good

edinburgher

Happy Hogmany everybody! I hope you all have a lovely day and a peaceful, prosperous and above all happy new year :beer:

£88.68 paid off a CC :coffee:

2018 has been a good year for us, so without further ado:

• Spending vs 2017 - we spent a whopping £13,484.49 less than 2017 and lived within our means (ok, only with £2,000 or so to spare) but...
• Our financial communication as a couple has significantly improved and Mrs E is now a semi-active participant who swallowed a 20%+ reduction in our walking around money without moaning :A
• After my ill-advised attempt at being a manager of junk investments, we also managed to reduce our outstanding CC debt by £17,119.13 (fancy accounting confession, some of that will be savings and recovered equity from P2P loans etc.) In any case, I sleep a lot more easily now
• I got promoted and (at last check), my current career average pension is worth £20k+ (not bad for 18 months of paying in)!
• I re-discovered matched betting and while we only took a few £££ profits, I think this will be something to revisit once we've ground down the debt the old fashioned way

What about the rest of you?

Suffolk_lass

I'll be back later to round up my year (I usually do mine on my diary but am avoiding at the moment as not good - DS needs a bailout).

Just wanted to pop in to with you all a Happy New Year (in all respects) and don't worry about Miss E vomit when she is ill - it is nature's way of expelling the lurgy. My Mum still references that I used to end all colds by being sick and it used to clear all the catarrh from my chest (I may consider it as a conscious thing as the current slimy residue has lingered for literally weeks). I hope you all feel better.

I might have to explore Matched Betting - it has always seemed a bit too much to bother with but when I stop work it might help pass the time (worried, Moi?).

Anyway, have a good one

beanielou

Wishing you a happy & healthy 2019 filled with good fortune & adventures

Karmacat

Yep, I was going to join in the planning, and then my walking group went for a glass of wine - I don't dare plan anything after that, being the lightweight I now am :rotfl:


Have a wonderful Hogmanay, Ed!

edinburgher

Happy new year all! :coffee:

I made my target of under £16,200 by the end of 2018, the next mini target will be £15,000. I'd like to achieve that by my birthday if possible (the end of March).

My first spend of 2019 was £2.22 paid off a CC.

beanielou

You can do it

edinburgher

Think I might have gone a bit OTT with the CC payments - I currently have in the region of -£100 budget vs. bank balance :eek: :rotfl:

I know there is a £50 cheque still to clear, so it's not the end of the world, but I am looking forward to being paid on the 15th!

£34.25 paid off CCs (a DD and £1.01 TT because I am easily addicted to the dopamine hit of paying off debt )