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The Edcawber Principle

edited 30 November -1 at 12:00AM in Mortgage-Free Wannabe
1.9K replies 223.7K views
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  • rtandon27rtandon27 Forumite
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    ...Anybody else bored of budgeting chat yet?...

    Not at all! - It's great to hear your thinking process & budget tweaks as a result of.
    3.5 YEARS DEBT FREE!!! (24 OCT 2016)
    (With heartfelt thanks to those who have gone before us & their indubitable generosity.)
    Working hard to keep all the balls in the air and juggle the budget!
  • edinburgheredinburgher Forumite
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    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_lassSuffolk_lass Forumite
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    Is that some kind of cure for the lurgy? or a design feature for the app? confused of Suffolk :huh: :think:

    Save £12k in 2020 - #20 £5,010.84/£5k 100.22% after September
    OS Grocery Challenge 2020 target £2,230.32/£3k 74.34% so far at end of Sep
    Mortgage Free Wannabes 2020 #37 - exceeded our £15,000 target and paid the whole thing off
    MFIT T5 No 2 all gone after Q7
    My Debt Free Diary was Get a grip Woman
  • rtandon27rtandon27 Forumite
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    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!
    3.5 YEARS DEBT FREE!!! (24 OCT 2016)
    (With heartfelt thanks to those who have gone before us & their indubitable generosity.)
    Working hard to keep all the balls in the air and juggle the budget!
  • KarmacatKarmacat Forumite
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    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.
    Downsized and paid off mortgage 2010
    Retired August 2016
    Paid off French mortgage September 2018
    New kitchen fully installed June 2019
  • Important update! We have recently reviewed and updated our Forum Rules and FAQs. Please take the time to familiarise yourself with the latest version.
  • Suffolk_lassSuffolk_lass Forumite
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    I love the Matrix but my brain is apparently stuffed full of other stuff. Thanks rtandon27

    Save £12k in 2020 - #20 £5,010.84/£5k 100.22% after September
    OS Grocery Challenge 2020 target £2,230.32/£3k 74.34% so far at end of Sep
    Mortgage Free Wannabes 2020 #37 - exceeded our £15,000 target and paid the whole thing off
    MFIT T5 No 2 all gone after Q7
    My Debt Free Diary was Get a grip Woman
  • edinburgheredinburgher Forumite
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    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:
  • beanieloubeanielou Forumite
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    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 :)
    Lou~ Debt free Wanabe No 55 DF 03/03/14.
    **Credit card debt free 30/06/10~**
    **Weight loss 2 stone 2 lbs **
    MFW. 9 months to go. B)
    "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.
    It starts with you, it starts from now. *** It is ok to be me.***
    ***Keep plodding***
    Out of debt, out of danger. ***Be the difference.***
  • Suffolk_lassSuffolk_lass Forumite
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    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

    Save £12k in 2020 - #20 £5,010.84/£5k 100.22% after September
    OS Grocery Challenge 2020 target £2,230.32/£3k 74.34% so far at end of Sep
    Mortgage Free Wannabes 2020 #37 - exceeded our £15,000 target and paid the whole thing off
    MFIT T5 No 2 all gone after Q7
    My Debt Free Diary was Get a grip Woman
  • edinburgheredinburgher Forumite
    11.9K posts
    Part of the Furniture 10,000 Posts Name Dropper
    ✭✭✭✭✭
    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.
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