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The Edcawber Principle
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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.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 Date - Sept 2041 New projection - Dec 2039 (reduced by 21 months)0 -
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:0 -
Is that some kind of cure for the lurgy? or a design feature for the app? confused of Suffolk :huh: :think: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 -
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!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 Date - Sept 2041 New projection - Dec 2039 (reduced by 21 months)0 -
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.2023: the year I get to buy a car0
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I love the Matrix but my brain is apparently stuffed full of other stuff. Thanks rtandon27Save £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 -
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 H@lfords 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:0 -
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 H@lfords 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 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.0 -
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 CitySave £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 -
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.0
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