The Edcawber Principle 30 October 2017 at 5:22PM edited 30 November -1 at 12:00AM in Mortgage-Free Wannabe 2.1K replies 235.8K views

rtandon27

edinburgher wrote: »

...Anybody else bored of budgeting chat yet?...

Not at all! - It's great to hear your thinking process & budget tweaks as a result of.

edinburgher

hiddenshadow wrote: »

I'm almost never bored of the budgeting chat (also post on YNAB's forums, which obviously devote themselves to budgeting).


Hope the spending cuts are easily managed - the brilliant (& not so brilliant) thing about YNAB is it does force you to face the music regarding what you actually spend on a regular basis. (But then there are very few surprise bills to contend with!) Knowledge is power vs ignorancy is bliss, I suppose.

I hate it - I've been red pilled :rotfl:

Suffolk_lass

Is that some kind of cure for the lurgy? or a design feature for the app? confused of Suffolk :huh: :think:

rtandon27

Goodness Ed - the things I've learned on your thread over the years!

SL - I had to g00gle the expression - click here for an explanation!

Karmacat

Has nobody else seen The Matrix? Mind you, I just bought it from a cs last week for 50p, years since I last saw it.

Suffolk_lass

I love the Matrix but my brain is apparently stuffed full of other stuff. Thanks rtandon27

edinburgher

Karmacat wrote: »

Has nobody else seen The Matrix? Mind you, I just bought it from a cs last week for 50p, years since I last saw it.

I have caused confusion!

I have also been paid today and will try to avoid spending any money until Thursday when our 1st of the month budget resets. I officially have 2 day old money (says YNAB) :rotfl:

Ordered my voucher for the cycle to work scheme today - £400 should cost me £21/month for 18 months before tax and NI deductions. Works out at c. £18/month, which is a great improvement on my current costs of £45-50. I know there will be expenses for repairs etc., but a good start (and good for the planet). I have been to [email protected] tonight to find out what size of bike I need to order, will do that tomorrow. They were actually quite flexible - apparently I can do click and collect, they'll build the bike and hold it until my voucher shows up. Nice, as I can take advantage of current sale prices to squeeze a bit more value from them :money:

beanielou

edinburgher wrote: »

I have caused confusion!

I have also been paid today and will try to avoid spending any money until Thursday when our 1st of the month budget resets. I officially have 2 day old money (says YNAB) :rotfl:

Ordered my voucher for the cycle to work scheme today - £400 should cost me £21/month for 18 months before tax and NI deductions. Works out at c. £18/month, which is a great improvement on my current costs of £45-50. I know there will be expenses for repairs etc., but a good start (and good for the planet). I have been to [email protected] tonight to find out what size of bike I need to order, will do that tomorrow. They were actually quite flexible - apparently I can do click and collect, they'll build the bike and hold it until my voucher shows up. Nice, as I can take advantage of current sale prices to squeeze a bit more value from them :money:

That sounds like a good deal

Suffolk_lass

That all sounds marvellous - have you explored a place to store your gear (and bike) at work? I recall a very err pungent corridor in the lower ground floor of one central London office of Government where the bike storage lockers (and showers) were located - and the sight of men collecting their work shirts while dressed in their lycra, handlebars in other hand, from the early-opening laundry/dry-cleaners in the City

edinburgher

Suffolk_lass wrote: »

That all sounds marvellous - have you explored a place to store your gear (and bike) at work? I recall a very err pungent corridor in the lower ground floor of one central London office of Government where the bike storage lockers (and showers) were located - and the sight of men collecting their work shirts while dressed in their lycra, handlebars in other hand, from the early-opening laundry/dry-cleaners in the City

The gear will have to go in an (airtight!) bag under my desk, the bike can be stored in a secure lane with a hefty metal gate and controlled access.