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The Edcawber Principle

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  • edinburgher
    edinburgher Posts: 13,842 Forumite
    Part of the Furniture 10,000 Posts Name Dropper
    edited 31 January 2018 at 10:08AM
    £12.82 paid off a CC, I am lower than a bow legged caterpillar today :eek:

    Just checking out some electronic 'filing' and a couple of my lovely colleagues have put 2018 work in the folders for last year - sigh! I had thought that one folder for current year and one folder for everything else ever was reasonably sensible :rotfl:

    On a more positive note, C25K went very well last night, I finish in a fortnight and then plan on starting a 10k training plan :j
  • edinburgher
    edinburgher Posts: 13,842 Forumite
    Part of the Furniture 10,000 Posts Name Dropper
    edited 31 January 2018 at 10:32PM
    Went grocery shopping - feeling relatively virtuous as it's largely fruits, veg, vegetarian pretend meat and a sprinkling of organic stuff. Used £30 of vouchers which have been recycled through the groceries budget and paid off a CC :j

    Edit: Also used £15.10 of our Amazon voucher stash and paid that back off a CC.
  • slowlyfading
    slowlyfading Posts: 13,429 Forumite
    Part of the Furniture 10,000 Posts Name Dropper
    All sounding good today :D
    Be who you are and say what you feel because those who mind don't matter and those who matter don't mind.
    Personal Finance Blogger + YouTuber / In pursuit of FIRE
  • Went grocery shopping - feeling relatively virtuous as it's largely fruits, veg, vegetarian pretend meat and a sprinkling of organic stuff. Used £30 of vouchers which have been recycled through the groceries budget and paid off a CC :j

    Edit: Also used £15.10 of our Amazon voucher stash and paid that back off a CC.

    Where's the halo-wearing emoji when you need it?! :p

    Glad to hear you sounding a bit more chipper, Ed. More please! :T
    Debt: £11,640.02 paid in full! DFD: 30/06/20
    Starter Emergency Fund (#187): £1000/£1000
    3 month Emergency Fund (#45): £3300/£3300
  • AlexLK
    AlexLK Posts: 6,125 Forumite
    Debt-free and Proud!
    Sorry to hear about the work colleague. :(

    What's the vegetarian pretend meat like? We have quite a few meat free meals but never tried the pretend meat as I really don't like the idea of it.
    2018 totals:
    Savings £11,200
    Mortgage Overpayments £5,500
  • edinburgher
    edinburgher Posts: 13,842 Forumite
    Part of the Furniture 10,000 Posts Name Dropper
    Glad to hear you sounding a bit more chipper, Ed. More please! :T

    I can't do chipper, but I do intend on sharing some chips for lunch with Mrs E :D
    AlexLK wrote: »
    What's the vegetarian pretend meat like? We have quite a few meat free meals but never tried the pretend meat as I really don't like the idea of it.

    I quite like analogues as a stepping stone between meat and having to figure out what to do with a mass of pulses and vegetables that I'm used to eating as sides, not the main event. Like all things, they range from the good to the awful. For example, I quite like vegetarian sausages and Qu0rn do 'fillets' that are great for adding into a stir fry and a passable clone of smoky bacon :drool: On the other hand, I've never managed to make anything from textured vegetable protein mince or chunks that tasted of much (and I consider myself a competent cook).
  • edinburgher
    edinburgher Posts: 13,842 Forumite
    Part of the Furniture 10,000 Posts Name Dropper
    All my payments for February have gone out this morning and I'm feeling skint again! We have ok jobs, but it still takes my breath away that the mortgage and council tax alone are over £1,000/month :eek:

    £0.84 paid off a CC and about £150 in minimum payments out as well :j
  • beanielou
    beanielou Posts: 95,489 Ambassador
    Part of the Furniture 10,000 Posts Academoney Grad Mortgage-free Glee!
    All my payments for February have gone out this morning and I'm feeling skint again! We have ok jobs, but it still takes my breath away that the mortgage and council tax alone are over £1,000/month :eek:

    £0.84 paid off a CC and about £150 in minimum payments out as well :j

    As you say scary.

    Colleague sounds toxic sadly.
    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.
  • edinburgher
    edinburgher Posts: 13,842 Forumite
    Part of the Furniture 10,000 Posts Name Dropper
    I know it will get better beanie, the first few years of a mortgage are always horrible as all your money goes to interest and precious little to capital.
  • beanielou
    beanielou Posts: 95,489 Ambassador
    Part of the Furniture 10,000 Posts Academoney Grad Mortgage-free Glee!
    I know it will get better beanie, the first few years of a mortgage are always horrible as all your money goes to interest and precious little to capital.
    now less than a quid a day.

    This is so true.
    Not to brag at all as it has been a long long hard slog but my interest is now less than a quid a day.
    So there is light at the end of the tunnel:D
    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.
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