The Edcawber Principle

greent

I've never really understood perfumed toilet paper! - I get most 'added' concepts to it (eg triple ply, aloe vera for softness etc) - but perfumed paper...!   I buy N1cky for DS1 when he's away at uni (they don't have a communal 'pot' at his house for things like toilet paper, w-u-l etc - crazy)  - haven't tried it myself, though. Definitely can't stand Andr*x - it disintegrates when damp- which defeats its purpose somewhat, you'd think...... (need that rolling eye emoji)

edinburgher

Agreed greent, it's just the cheapest one that doesn't disintegrate instantly!

Karmacat

Blimey thats a good price!  Well done finding it, both of you I buy whatever 9-roll-and-upwards is cheapest at Asda or Sainsbo, they're the better value deliveries round here.  Buying 2 sets of 9 is also fine, it's enough for a single person  

beanielou

Suffolk_lass said:

edinburgher said:

beanielou said:

I bought a toilet seat with nectar points recently! 
Unfortunatly 'twas broken 

@beanielou - that would have made a wonderful Johnny Cash song 

I have sold c. £2,500 PB. Plan is to combine this with insurance payout and trimming to get budget balanced and 30+ days age of money in YNAB (aka one month emergency fund).

Ha! I can hear that now in my ear...

Does YNAB let you deposit money as well as accounting for how you use it?

Not sure if you read my intermittent ramblings but my bank card was stopped yesterday - After two transactions in short order at premises two and a bit hours drive apart, I was stopped from using contactless in the butcher and prevented from even using pin in Coop. The thing was, I visited an outdoor market (fishmonger from up the coast, baker from inland town in the opposite direction) and did not have cash - it was my first solo market trip in over a year. It meant I did not get fuel so I am mostly driving on the fumes. 

I do wonder at the so called anti fraud measures sometimes.

beanielou

I like to toilet rolls from Iceland.
REcommended by good housekeeping!

edinburgher

@Suffolk_lass - sorry to hear about your bank card! 

YNAB isn't linked to my accounts at all, it's basically a fancy spreadsheet or three hosted in an app with a decent database

Suffolk_lass

All sorted I think. I did a call with a CTI later on to confirm it was me (I secure messaged them which probably triggered the call). We had to rush over to DS's house yesterday after the postman delivered a cheque from my Mum at 11.25 that needed to be paid in before the bank closed at 12.00 - He got dressed (!) while we drove it over and then he ran up the hill to the bank (it was a tax year thing!) - but it meant we got fuel on the way home (fourth time in 13 months!) and the deposit took place in 20-21 not 21-22. Mind you I used a different card now I look at the receipt Doh! 🤦‍♀️

@beanielou there isn't an icyland near us or I would too - as I like the way they treat their staff and the general ethical approach.

ajmoney

SuperSecretSquirrel said:

I see FIRE as very much an incremental / spectrum kind of thing AJM... If you have a "pay down debt" and "repay mortgage early" mindset, you're likely to have some "financial independence" tendencies too. It doesn't have to be a blistering sprint to retirement (which feels a bit like the American way of doing things to me). At its heart it's really just a case of saving, and probably a little investing in ISAs and/or pensions, and keeping an eye on your personal level of inflation. All things that a lot of MFWers already do as a matter of course, and nothing to be intimidated by ☺️

Maybe it is some of the American sites that have put me off.  The overall approach is what I am working towards but while I am quite comfortable looking at my savings and projections related to them I am not so confident with pensions etc.  I am off to find the other board

edinburgher

@ajmoney - pensions are very similar to ISAs etc. - you just need to allow for the fact that you're not taxed on the way in, but are on the way out and plan for that.

I am cooking up an Easter feast - we are having: roast beef, ham, chantilly potatoes, steamed corn on the cob and carrots and lots of HM gravy And chocolate... and wine...

edinburgher

We were remarkably underwhelmed by the press conference yesterday and have made the difficult decision to cancel our trip to Greece that had been booked to celebrate our tenth wedding anniversary this year. We hope to replace it with a long weekend in a lovely little hotel near Pitlochry that we return to frequently, a 3-4 day break in a lodge in Northumberland and a 3-4 day trip to London during the October break (as we have non-refundable flights to London to use in any case). Even these three trips will cost substantially less than the week in Greece, but it's bittersweet as we had hoped in the depths of last winter that this might be our "getting out" holiday.

I have been paid and it looks like my salary has gone up slightly - I suspect that might be the recent increase to the threshold at which student loans are repaid?

Our insurance claim has been successful, but I didn't understand how excesses work when you hit the maximum that a policy will pay. Max cover was £1,000 - I assumed we got this but paid the £99 on top - turns out it's £1,000-£99 (£901). Better than a poke in the eye, but basically £900 for the vet's bills. Cat is doing well: happy, relatively relaxed and wound seems to be healing nicely.