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The Edcawber Principle
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Just popping in to say hi Ed. Nice to catch up and read your goings-on. SAD lamp sounds interesting, I'd love to read what you think of it now you've had it a little while3
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@turtlemoose In classic me style, I can't say that I haven't prioritised myself and used it for the minimum recommended period for at least 7 consecutive days. As such, my winter mood remains a bit bleak. Thank you for the timely reminder, I shall go and stare at it directlyWe have had a few financial mini dramas of late, I don't really have anything positive to say about these, so they will keep for another day. We are all healthy and plodding along.7
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edinburgher said:@turtlemoose In classic me style, I can't say that I haven't prioritised myself and used it for the minimum recommended period for at least 7 consecutive days. As such, my winter mood remains a bit bleak. Thank you for the timely reminder, I shall go and stare at it directlyWe have had a few financial mini dramas of late, I don't really have anything positive to say about these, so they will keep for another day. We are all healthy and plodding along.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.5 -
I'm having to raid the emergency fund for the second month running and I think I need to seriously rein it in. Sort of minor but it just creeps creeping up. Be aware that the next two weeks are the saddest in terms of daylight impact. Try to allocate some time each day to mitigate this. It really is worth investing in youSave £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 here7 -
I've found that a simple change like having cool white lights downstairs rather than warm white can make a difference.
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Suffolk_lass said:I'm having to raid the emergency fund for the second month running and I think I need to seriously rein it in. Sort of minor but it just creeps creeping up. Be aware that the next two weeks are the saddest in terms of daylight impact. Try to allocate some time each day to mitigate this. It really is worth investing in you
Luckily next mortgage payment about £250 lower...
And paid of £350 of mystery debt Mrs E fessed up about a few months ago
@badmemory - that is a good shout, we now have daylight frequency bulbs in a couple of rooms5 -
We had to postpone our tenth anniversary plans when DH's father and then brother both died within three months of each other (FIL not unexpectedly) - so we postponed by a year and bought an oil painting (!) of a beach scene and had a weekend in one of the local (of course it was not local then!) medieval hotels - not sure how we managed it (in July!) but we had a bridal suite. I do remember lots of other wedding activity underway and I think it was one big wedding while they often had two. I do recall our meals were in a small private dining room with the other non-wedding guests. All rather exclusive and expensive but sometimes you just need to do that thing. Personally I think tenth is a really good one to have a bit of a splurge on. I love the Rugby tickets thing.
Mystery debt - how many on here have had similar discoveries or similar secrets in their journeys!? lots! - I think my equivalent was when DH bought the first Harley Davidson on-line without discussion...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 here6 -
@Suffolk_lass - glad to know I'm not the only one discovering surprises...4
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I think £350 is a pretty small mystery debt, too - years ago I discovered DH had 5k debt that I knew nothing about on a credit card! (Eek to that monthlybinterest!!!)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: £206
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As I may have mentioned before, we got incredibly lucky transferring our DC pensions to a low cost provider (Vanguard, no obscured company names or anything!) I opted to transfer them as soon as they opened for business and this managed to coincide pretty much exactly with the bottom falling out of things when COVID-19 kicked off. We were then transferred in while the markets were in the doldrums and have captured some fairly hefty upswings since then. Other factors such as the existence of vaccines etc. mean that the best of the SIPPs (mine, transferred a bit faster) is now up by >30% since then. I can't really believe it... In real terms, we have now passed £100,000 in SIPPs and when you add in the value of DB pensions, it's well over £220,000! I no longer have any fear of eating cat food in retirement20 years to retirement. We will either move or extend in 3 years, then 17 years to knuckle down and pay as much into salary sacrifice pension, ISAs and off the mortgage as we can, while trying to enjoy life.I'm wary of sharing positive news when others are finding things so tough at the present, but thought that it was an interesting example of how dumb luck can make all the difference when it comes to financial planning! We are doing what we can to support our local community and are digging deep for every charitable appeal that comes our way. I only hope that government support and the small margin of hope that has returned to daily life will make a difference to people sooner rather than later. I am otimistic - even a sibling who had been unemployed for 9 months has managed to return to a (reasonably) well paid professional role.Take care everybody7
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