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The Edcawber Principle

edited 30 November -1 at 12:00AM in Mortgage-Free Wannabe
2.1K replies 236.3K views
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  • edited 15 September 2020 at 9:34AM
    Suffolk_lassSuffolk_lass Forumite
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    edited 15 September 2020 at 9:34AM
    Well done with that car repair. DH got his car repaired and MOT'd at the same time as DS's and they spent the day in the local town, hanging out in pubs judging by the receipts. He decided to treat DS to his annual service and MOT so the credit card was over £600 instead of £300. The handy by-product is that when I remind DS to book his in, both are now at the same time so hopefully DH will no longer forget and drive his with no MOT until he can't renew the tax!  :open_mouth:

    Save £12k in 2020 - #20 £7,085.43/£5k 141.7%
    Save £12k in 2021 - #26 aiming for £7,500
    OS Grocery Challenge 2021 target £0/£3k 0% annual (£500 contingency)
    My Debt Free Diary Get a grip Woman
  • HazelnuttyHazelnutty Forumite
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    I like the idea of your walk. Rain is a favourite running weather for me - as long as you have the right gear on (and a coffee shop stop helps too!)
    Choose kind:)
  • DebsnewbudgetDebsnewbudget Forumite
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    Tenth Anniversary 100 Posts
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    Sorry to butt in SL, but would it not have been cheaper to buy him a diary 🤣🤣🤣🤣
  • Suffolk_lassSuffolk_lass Forumite
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    Sorry to butt in SL, but would it not have been cheaper to buy him a diary 🤣🤣🤣🤣
    You assume he would either know where it is or remember to look in it there. I have mine set up with DVLA and the reminders just pop into my inbox on email

    Save £12k in 2020 - #20 £7,085.43/£5k 141.7%
    Save £12k in 2021 - #26 aiming for £7,500
    OS Grocery Challenge 2021 target £0/£3k 0% annual (£500 contingency)
    My Debt Free Diary Get a grip Woman
  • edinburgheredinburgher Forumite
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    Off on holiday until next Wednesday, it is our wedding anniversary and I paid £50 into PB :)
  • teapot2teapot2 Forumite
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    Enjoy your time off and happy anniversary 🍾
  • Suffolk_lassSuffolk_lass Forumite
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    Good update Ed, 1.71% saving on your interest is great. I have been tracking the interest on our mortgage for years (not as a percentage, as an actual) so that even when I was not repaying much, I was offsetting the interest in some way through selling stuff, interest or dividends. Have a good break and Happy Anniversary!

    Save £12k in 2020 - #20 £7,085.43/£5k 141.7%
    Save £12k in 2021 - #26 aiming for £7,500
    OS Grocery Challenge 2021 target £0/£3k 0% annual (£500 contingency)
    My Debt Free Diary Get a grip Woman
  • beanieloubeanielou Forumite
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    Happy holidays & happy anniversary too. 
    Lou~ Debt free Wanabe No 55 DF 03/03/14.
    **Credit card debt free 30/06/10~**
    **Weight loss 2 stone 2 lbs **
    MFW. 1 month to go ****
    "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.***
  • edited 11 October 2020 at 1:27PM
    edinburgheredinburgher Forumite
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    edited 11 October 2020 at 1:27PM
    Hi all - hope you're keeping well? :)
    Not much to report here, but we have survived our first MOT on the new(ish) car, a mere £34 lighter for new wipers. I walked 12 miles on the day it went into the garage (Friday) and my legs still hurt! :#
    Savings up to £956.01, things are a wee bit slow around here as I've had to pay £££ for household maintenance items (gardening, fixing a few breakages and getting ready for winter). Should manage £1,100 by the end of the month, but that's about it for now.
    Mortgage offer received by ourselves and conveyancer, I believe there's some paperwork for the lender's solicitor and otherwise everything is done for our end of the year remortgage.
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