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The Edcawber Principle

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  • Karmacat
    Karmacat Posts: 39,460 Forumite
    Part of the Furniture 10,000 Posts Name Dropper
    DD just said "I love you Daddy" unprompted for the first time ever :j

    Wonderful, wonderful moment. :happylove
    2023: the year I get to buy a car
  • pinkypig
    pinkypig Posts: 1,814 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Photogenic
    I need to get back out as well, have been running on a treadmill during the poor weather and as you'll know, it's very different! Much easier to push yourself to go to an air conditioned gym than a muddy park! :)

    No mud today - it was frozen solid :rotfl:

    £0.86 paid off a CC.
    DD just said "I love you Daddy" unprompted for the first time ever :j

    Lovely :). I won't add make the most of it before she turns into a teenmonster :rotfl:
    Original mortgage £112,000 . Final payment due August 2027.
    Mortgage neutral achieved August 2020 - 7 years early!!!
  • AlexLK
    AlexLK Posts: 6,125 Forumite
    Debt-free and Proud!
    Definitely a moment to treasure, Ed. :)
    2018 totals:
    Savings £11,200
    Mortgage Overpayments £5,500
  • gallygirl
    gallygirl Posts: 17,240 Forumite
    Part of the Furniture 10,000 Posts Photogenic Name Dropper
    DD just said "I love you Daddy" unprompted for the first time ever :j
    How lovely Ed :j. You obviously haven't told her you're stealing her CB :rotfl:.
    A positive attitude may not solve all your problems, but it will annoy enough people to make it worth the effort
    :) Mortgage Balance = £0 :)
    "Do what others won't early in life so you can do what others can't later in life"
  • edinburgher
    edinburgher Posts: 13,850 Forumite
    Part of the Furniture 10,000 Posts Name Dropper
    gallygirl wrote: »
    How lovely Ed :j. You obviously haven't told her you're stealing her CB :rotfl:.

    :rotfl:

    The way stock markets are going, she'll probably be glad just to get her capital back from the BoMaD!

    Back to work and back down to earth with a thump! Felt absolutely exhausted and nauseous last night, think it was perhaps a combo of overly greasy food and the stress of 100 miles or so of driving to an unfamiliar locale on the Sunday. Still feeling quite green.

    This was not helped by discovering an error on my debt repayment spreadsheet that meant that weekly payments were being calculated on a fixed schedule from the start of January (i.e. the date should have been updated to reflect the fact that time moves on). I fixed this and moved out the time period for repayment to 4 months before we need to remortgage (August 2020). Depressing, but a bit more realistic than the previous target of March 2019.

    £267.96 paid off a CC.
  • Watty1
    Watty1 Posts: 6,781 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Combo Breaker
    I need to get back out as well, have been running on a treadmill during the poor weather and as you'll know, it's very different! Much easier to push yourself to go to an air conditioned gym than a muddy park! :)
    .
    I joined a running club and that has helped. Mostly I run twice a week in all weathers with the club. I never managed to push myself to go to the gym but somehow the club has worked for me. I think it is the general companionship of running in a group and laughing about how mad it is when it rains. Its really worked for me and am probably the fittest I have ever been.
    Made it to mortgage free but what a muddle that became

    In the event the proverbial hits the fan then co-habitees are better stashing their cash than being mortgage free !!
  • edinburgher
    edinburgher Posts: 13,850 Forumite
    Part of the Furniture 10,000 Posts Name Dropper
    I'd love to join a club Watty, but compressed hours at work make it pretty much impossible to make the expected times for groups. The flexibility of slotting in a workout is one of the things I love about distance running - leave your front door and you're already exercising! :)
  • VDOT47
    VDOT47 Posts: 277 Forumite
    I run 4 times a week (all outside, haven't run on a dreadmill for about 4 years) but have to have them pencilled in for the same 4 slots each week so as to fit them around other commitments. That way both I and OH know when I will be out. Does mean that I cannot be flexible to the whims of the weather, so have to make a choice sometimes between still going out in horrible weather or binning the run ......
    Original Mortgage (Feb '17) £269,995
    Current Mortgage (End 11/19) £226,790
    End Date November 2039 Original End Date February 2042
  • edinburgher
    edinburgher Posts: 13,850 Forumite
    Part of the Furniture 10,000 Posts Name Dropper
    I try and stick to slots, but unfortunately Mrs E's schedule is a lot more fluid than mine, so I end up having to chop and change. I don't really enjoy having to do this, but anything for a harmonious home :)
  • beanielou
    beanielou Posts: 95,520 Ambassador
    Part of the Furniture 10,000 Posts Academoney Grad Mortgage-free Glee!
    I dont run at all!
    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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