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The Edcawber Principle
Comments
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Could give you lots of beanies :wink
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.2 -
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!1 -
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.1 -
I saw that. Not a great time to be a saver.beanielou said:Interest from TSBlooming Bee going down to £1.5%from May
£50.45 paid off CC, now under £5k
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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 bondedinburgher said:
I saw that. Not a great time to be a saver.beanielou said:Interest from TSBlooming Bee going down to £1.5%from May
£50.45 paid off CC, now under £5kSave £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 here2 -
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).
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Damn message disappeared!
- £49.94 paid off CC
- I'm having a day off
- 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)
- Walked DD to nursery and got lots of hugs
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Hugs = way more than any pension. Sounds to me like a really really good day!3
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Yeah, hugs are the best. DD in a daddy phase at present, I'm loving itbadmemory said:Hugs = way more than any pension. Sounds to me like a really really good day!
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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 soulRepaid mtge early (orig 11/25) 01/09 £124616 01/11 £89873 01/13 £52546 01/15 £12133 07/15 £NILNet sales 2024: £202
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