The Edcawber Principle

beanielou

edinburgher wrote: »

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.

Poor wee sausage

edinburgher

Oops! She has tonsillitis

I'd feel bad, but she saw a doctor within 24 hours of symptoms appearing.

5 minute wait at out of hours, a free prescription 25 minutes later, hurrah for NHS Scotland :j

beanielou

Not your fault at all.
Hope she is on the mennd really soon.

As you say NHS in Scotland can be great

Busy_Mee1

Hi Ed sorry your little one is poorly and hope she is on the mend soon.

Great news about the 0% credit card. Just a question from me and apologies if you answered this elsewhere, but wouldn't you be better paying the minimum off your credit card each month and overpaying your mortgage which I assume has interest attached to it ?

Suffolk_lass

Sorry to hear that DD is not well. I hope the AB have kicked in for her. At least their temperatures soar and return to normal quite quickly once we work out what is needed. Such a worry though

edinburgher

Busy_Mee1 wrote: »

Hi Ed sorry your little one is poorly and hope she is on the mend soon.

Great news about the 0% credit card. Just a question from me and apologies if you answered this elsewhere, but wouldn't you be better paying the minimum off your credit card each month and overpaying your mortgage which I assume has interest attached to it ?

Mathematically, yes we would be better off doing this.

Paying off our CC debts carries a degree of "doing the right thing", righting the ship and learning to balance our day-to-day needs better as well as planning for the future instead of relying on cheap credit.

Going down this path has made me more aware of our finances, has instilled (slightly?) better discipline and generally more thoughtful.

Sometimes I think that we can all be too clever for our own good and this helps me to work through any negative financial impulses.

Luckily our income is going up in tandem. By the time these debts are gone, we will (hopefully) be remortgaged onto a much cheaper rate, will have had 4-6 pay rises and increments between us and will no longer have to pay for childcare.

We'll reassess then :coffee:

£46.50 paid off a CC (regular payment + £4.50 TT)

Busy_Mee1

Ah fair enough. We all have to do the things that work best for us.

I often curse myself for being too clever for my own good, when I trip over our rather complicated financial arrangements :rotfl:

edinburgher

Mrs E and I both have the lurgy. We are now worried that DD's tonsilitis won't respond to antibiotics and we all feel like crap :eek:

£32.91 paid off a CC.

beanielou

Hope you all feel better soon.
Good news on the credit card.

Karmacat

Won't respond to the antibiotics? One step at a time, Ed. Hydration, for a start. I'll be checking your thread in the morning, hope the night goes better.