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The Edcawber Principle

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  • beanielou
    beanielou Posts: 95,393 Ambassador
    Part of the Furniture 10,000 Posts Academoney Grad Mortgage-free Glee!
    edinburgher wrote: »
    No initial fee either :j

    Blimey, even better :D
    I am a Forum Ambassador and I support the Forum Team on Mortgage Free Wannabe & Local Money Saving Scotland & Disability Money Matters. If you need any help on those boards, do let me know.Please note that Ambassadors are not moderators. Any post 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 & not the official line of Money Saving Expert.

    Lou~ Debt free Wanabe No 55 DF 03/14.**Credit card debt free 30/06/10~** MFW. Finally mortgage free O2/ 2021****
    "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.     ***Keep plodding*** Out of debt, out of danger. ***Be the difference.***
    One debt remaining. Home improvement loan.
  • teapot2
    teapot2 Posts: 3,527 Forumite
    Part of the Furniture 1,000 Posts Photogenic Name Dropper
    edinburgher wrote: »
    Say I can BT £15,400 total onto it. That's £385 minimum payment month one (2.25% minimum I believe). Each subsequent month would be smaller, but that's what it starts at. Psychologically a large amount, but I've averaged almost double that over the last year+

    That sounds good, glad you got the card sorted and can hopefully get another?
  • edinburgher
    edinburgher Posts: 13,824 Forumite
    Part of the Furniture 10,000 Posts Name Dropper
    Hopefully Teapot. In retrospect, I might not need it, will see how quickly they sort out our back pay :think:
  • Suffolk_lass
    Suffolk_lass Posts: 10,253 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Well done Son ;) - it takes the worry out of the diminishing Stoozing deals and you already know you can OP this. Of course you could set up an interest bearing CA to accumulate the little scrapings so that they pay their way too, and have it ready to pay off the balance towards the end of the IF period. It depends on your discipline. I have to pay mine off or my smug filter makes me feel rich and I spend it!
    Save £12k in 2025 #2 I am at £4863.32 out of £6000 after May (81.05%)
    OS Grocery Challenge in 2025 I am at £1286.68/£3000 or 42.89% of my annual spend so far
    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 thread
    My new diary is here
  • edinburgher
    edinburgher Posts: 13,824 Forumite
    Part of the Furniture 10,000 Posts Name Dropper
    £6.45 paid off a CC - a wee TT and £2 reward from my H@lifax current account.

    DD up through the night with a 40 degree fever, we are all feeling a bit rough. Going for a cheap(ish) trip to the cinema to watch a kid's movie with discounted tickets (the cinema with the posh leather recliners) :)
  • Karmacat
    Karmacat Posts: 39,460 Forumite
    Part of the Furniture 10,000 Posts Name Dropper
    Blimey, Ed, congratulations on being coherent enough to do anything after looking after her during that sort of temperature :( Glad you're able to take her out though, and hope its a film thats pleasant enough for you too.
    2023: the year I get to buy a car
  • beanielou
    beanielou Posts: 95,393 Ambassador
    Part of the Furniture 10,000 Posts Academoney Grad Mortgage-free Glee!
    Dont fall asleep at the film.

    I once went to the pictues with DS when he was wee & fell asleep.
    Not for long as he woke me up :rotfl:
    I am a Forum Ambassador and I support the Forum Team on Mortgage Free Wannabe & Local Money Saving Scotland & Disability Money Matters. If you need any help on those boards, do let me know.Please note that Ambassadors are not moderators. Any post 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 & not the official line of Money Saving Expert.

    Lou~ Debt free Wanabe No 55 DF 03/14.**Credit card debt free 30/06/10~** MFW. Finally mortgage free O2/ 2021****
    "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.     ***Keep plodding*** Out of debt, out of danger. ***Be the difference.***
    One debt remaining. Home improvement loan.
  • greent
    greent Posts: 10,749 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    beanielou wrote: »
    Dont fall asleep at the film.

    I once went to the pictues with DS when he was wee & fell asleep.
    Not for long as he woke me up :rotfl:


    When pregnant with DS2 I would go to the cinema in the afternoon during the school hols with DD and DS1 and know that I was likely to fall asleep - we'd sit on one side, with me at the end seat so that they were next to me and then the other next to the wall. They were occupied and I was warm and I'd get a good hour's kip! :D
    I am the master of my fate; I am the captain of my soul
    Repaid mtge early (orig 11/25) 01/09 £124616 01/11 £89873 01/13 £52546 01/15 £12133 07/15 £NIL
    Net sales 2024: £20
  • beanielou
    beanielou Posts: 95,393 Ambassador
    Part of the Furniture 10,000 Posts Academoney Grad Mortgage-free Glee!
    greent wrote: »
    When pregnant with DS2 I would go to the cinema in the afternoon during the school hols with DD and DS1 and know that I was likely to fall asleep - we'd sit on one side, with me at the end seat so that they were next to me and then the other next to the wall. They were occupied and I was warm and I'd get a good hour's kip! :D

    LOve it :)
    I am a Forum Ambassador and I support the Forum Team on Mortgage Free Wannabe & Local Money Saving Scotland & Disability Money Matters. If you need any help on those boards, do let me know.Please note that Ambassadors are not moderators. Any post 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 & not the official line of Money Saving Expert.

    Lou~ Debt free Wanabe No 55 DF 03/14.**Credit card debt free 30/06/10~** MFW. Finally mortgage free O2/ 2021****
    "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.     ***Keep plodding*** Out of debt, out of danger. ***Be the difference.***
    One debt remaining. Home improvement loan.
  • edinburgher
    edinburgher Posts: 13,824 Forumite
    Part of the Furniture 10,000 Posts Name Dropper
    We abandoned it after 80 minutes, she's too wan. Now 40.1 and on the couch...

    No other symptoms bar reduced appetite, but that's to be expected.
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