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The Edcawber Principle

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  • beanielou
    beanielou Posts: 95,493 Ambassador
    Part of the Furniture 10,000 Posts Academoney Grad Mortgage-free Glee!
    Could give you lots of beanies :wink  :grin:
    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: 13,843 Forumite
    Part of the Furniture 10,000 Posts Name Dropper
    edited 18 February 2020 at 10:11PM
    Boo! Made a mistake with postage, boxes were larger than I thought. Total profit after everything was £37.71. 75% ROI after 5 days :)
    Now have 4 ridiculous boxes to post tomorrow.
    *Edit: Oh yeah - £37.71 paid off CC!
  • beanielou
    beanielou Posts: 95,493 Ambassador
    Part of the Furniture 10,000 Posts Academoney Grad Mortgage-free Glee!
    Interest from TSBlooming Bee going down to £1.5%from May  :(
    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: 13,843 Forumite
    Part of the Furniture 10,000 Posts Name Dropper
    edited 19 February 2020 at 7:10AM
    beanielou said:
    Interest from TSBlooming Bee going down to £1.5%from May  :(
    I saw that. Not a great time to be a saver.

    £50.45 paid off CC, now under £5k  B)
  • Suffolk_lass
    Suffolk_lass Posts: 10,274 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    edinburgher said:
    beanielou said:
    Interest from TSBlooming Bee going down to £1.5%from May  :(
    I saw that. Not a great time to be a saver.

    £50.45 paid off CC, now under £5k  B)
    It's rubbish isn't it. I took a look at fixed rate bonds just now to see if I can do something better than keep paying down the remnant of my mortgage (without completely clearing it to avoid the early redemption penalty). I found this list. I might go for a 2 or three year bond
    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: 13,843 Forumite
    Part of the Furniture 10,000 Posts Name Dropper
    Fans of money saving may wish to note the fact that the Vanguard SIPP is now available (0.15% platform fee). It doesn't offer drawdown (so not suitable for retirees yet), but a good home for anyone with a ££,£££ pension (higher amounts and you probably want to look at fixed fee brokers).
  • edinburgher
    edinburgher Posts: 13,843 Forumite
    Part of the Furniture 10,000 Posts Name Dropper
    Damn message disappeared!
    1. £49.94 paid off CC
    2. I'm having a day off
    3. Pensions transferred to Vanguard last night, we're both fully invested in Target Retirement 2045 (aiming to retire in 2041, but thought we were ok to take on a teeny bit more equity risk as we've only recently switched from 100% equities)
    4. Walked DD to nursery and got lots of hugs o:)
  • badmemory
    badmemory Posts: 9,591 Forumite
    Ninth Anniversary 1,000 Posts Name Dropper
    Hugs = way more than any pension.  Sounds to me like a really really good day!
  • edinburgher
    edinburgher Posts: 13,843 Forumite
    Part of the Furniture 10,000 Posts Name Dropper
    badmemory said:
    Hugs = way more than any pension.  Sounds to me like a really really good day!
    Yeah, hugs are the best. DD in a daddy phase at present, I'm loving it  <3
  • greent
    greent Posts: 10,751 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    I was seriously considering the Vanguard SIPP (feels like we've been waiting ages for it to happen) but it doesn't have drawdown as an option (as yet) so am now considering Fidelity instead (both for a new lump and to transfer a couple of small old pensions into)
    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
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