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The Edcawber Principle

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  • beanielou
    beanielou Posts: 95,562 Ambassador
    Part of the Furniture 10,000 Posts Academoney Grad Mortgage-free Glee!
    Glad that you have had your vaccine bad memory  :)
    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.
  • badmemory
    badmemory Posts: 9,611 Forumite
    Ninth Anniversary 1,000 Posts Name Dropper
    beanielou said:
    Glad that you have had your vaccine bad memory  :)
    They even gave me a badge to stick on my coat, nothing like walking round with a sticker advertising your age!!
  • Karmacat
    Karmacat Posts: 39,460 Forumite
    Part of the Furniture 10,000 Posts Name Dropper
    That's great to hear, badmemory :) 
    2023: the year I get to buy a car
  • Suffolk_lass
    Suffolk_lass Posts: 10,289 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    I have plateaued. Stuck at or above the same weight this week. I baked brownies yesterday for DS and the middle of the tray was a little pudding like - so DH and I had one each with Greek yogurt. Very naughty lapse. Naturally this morning my weight has dropped back to its lowest!**!
    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: 13,863 Forumite
    Part of the Furniture 10,000 Posts Name Dropper
    @badmemory - retirees are a prime example of how personal inflation can get ugly quickly! Fixed income, rising costs, no savings interest :s I am very glad to hear that you have had your vaccine, my grandparents have had theirs, an aunt has the letter and am expecting inlaws to get their letter in the coming week. It all helps us get closer to some sort of normality.

    Suffolk_lass - I have also come close to a plateau, or a series (plateaux)? ;) I have lost 25lbs, but things have slowed right down. I am going to screw the nut over the next fortnight, it would be lovely to lose 2 stones by Valentine's Day. I'm allowing myself a day of complete piggery on Valentine's Day and will then try and lose the final 10lbs by my Birthday on 31st March (plus the few pounds I'll doubtless put on for going off the rails). Mrs E and DD are making brownies today - 2.5 bars of chocolate, a block of butter, half a bag of sugar and Smarties. I am hiding upstairs!

    Month end for us financially and we've survived January intact. Despite wanting to protect Home Maintenance, DD, Presents and Groceries budgets, we ended up with healthy surpluses in the DD and Groceries pots, so I've allowed 25% of the excess to go into savings. Bought another £51 of PB. Everything will kick off again financially come Monday.
  • Well done! Love a new month with new goals and budgets.
    Save £20,000 in 2025. April 2k, May 3.5k
  • edinburgher
    edinburgher Posts: 13,863 Forumite
    Part of the Furniture 10,000 Posts Name Dropper
    @Suffolk_lass - 1lbs off - total gains (losses) for the month 26lbs 👍
  • Suffolk_lass
    Suffolk_lass Posts: 10,289 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    I also snuck onto the scales and a 0.2lb loss but not sure how. I eat a brownie (ahem, quality control) and a butternut finger (broken, corner crumbs) and had moussaka for supper with layers of potato. I skipped the ice-cream that DH had with his brownie and sent DS off with all but four brownies that DH can have, and all the butternut fingers.

    I am hoping to just have soup and roast lamb with greens today, and maybe some Greek-style yogurt and an orange (not together). I would dearly like to reach a stone by tomorrow but it seems unlikely. I rather like your buying of PBs gradually. I have had three (£25 x3) wins since buying some in June (August first draw) but I did move a lump (£10k) from a non-productive savings pot. I might copy you there. Our emergency pot is nearing £8k with Tilly Tidying
    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: 13,863 Forumite
    Part of the Furniture 10,000 Posts Name Dropper
    edited 31 January 2021 at 11:34AM
    @Suffolk_lass - but your food sounds so good :smile:

    My food was fairly boring yesterday - smoked salmon and scrambled eggs for breakfast, a little chicken and mayo for lunch and a nice (if a bit timid in the spice department) chicken and coconut milk curry for dinner. Oh - and two double G&Ts with diet tonic water. Today will be similar (gammon steak for breakfast, miso soup and olives for lunch and maybe something like beef stew for dinner). I am very much still in a diet mentality and need to start planning a shift back to generally better habits.

    It's good to see that some people do have PB wins, although I suspect your £8k+ is probably a lot higher than the average amount held? I think I'll just keep sending over £25 chunks when the savings pots tick up. I am waiting for a max fee listing offer on eB@y - have 5-6 Lego sets and a collectable Blu-Ray ready to flog. I had a small amount of pocket money left (about £80), so I transferred 25% to my ISA and cash savings on a 60/40 basis. My thinking is that we're good for retirement at 58 (me) and 60 (Mrs E), so anything I can build up in my ISA before then brings that day a little closer. Yes, I know it's 20 years away, but you know what they say about growing trees ;)

    Having a nice relaxing Sunday - a bit of laundry and chilling out with the family. Even managed to read the news and finance/money sections from yesterday's (free) copy of the Tim3s, picked up when I was getting a few freezer treats for Valentine's Day at our local Waitflower (a mile away from our family walk yesterday, so good multi-tasking).
  • Suffolk_lass
    Suffolk_lass Posts: 10,289 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Those gins could be the reason for the plateau... If you cut that down to one - and actually, I recall from my college days (1980s Sports Science) that if the tonic smells of gin you can get away with massively reduced calories - you could smear the rim with gin and just have the tonic with ice and lemon - I can see I'm really selling it to you but seriously, don't cheat yourself (says the Brownie Queen...) - no hypocrisy here...

    and by the way, your food always sounds really interesting to me - just different choices. I like two boiled eggs for brunch but I have to have a ryvita with butter to accompany it or it just does not work in my head so maybe once a week at the moment (probably why I have slowed right down)

    I think my PB reluctance emanates from sentimentality around the £17 of childhood bonds that god-parents and parents bought me and I know how hard they saved for these - so if I bung the cash based fund into PB and then need to redeem some, it is those childhood bonds (that have never won a penny) that go first.
    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
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