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The Edcawber Principle

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  • edinburgher
    edinburgher Posts: 13,856 Forumite
    Part of the Furniture 10,000 Posts Name Dropper
    I finally have a start date for my new job! One month to go :)
  • beanielou
    beanielou Posts: 95,540 Ambassador
    Part of the Furniture 10,000 Posts Academoney Grad Mortgage-free Glee!
    I finally have a start date for my new job! One month to go :)

    Great news:T:j:T
    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.
  • Suffolk_lass
    Suffolk_lass Posts: 10,284 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Ooh good! Goodness that has taken some time to work through. Glad your HR team isn't in the negotiations team!!
    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: 13,856 Forumite
    Part of the Furniture 10,000 Posts Name Dropper
    Ooh good! Goodness that has taken some time to work through. Glad your HR team isn't in the negotiations team!!

    I'm not sure that I'm confident in their ability to be the HR team :rotfl:
  • edinburgher
    edinburgher Posts: 13,856 Forumite
    Part of the Furniture 10,000 Posts Name Dropper
    Up bright and early for my Saturday morning "shift" at MB. Mrs E takes DD to her dancing class on Saturdays, so it's the least disruptive time of the week to be a rude sod and ignore everyone! Currently listening to some 90s Orbital drinking a huge mug of coffee :)

    The bank transfer for our last FIT reading came in yesterday. It was lower than expected, but it has been a good year for solar all things considered (+£100 vs. last year). £167.82 paid off a CC :j

    I read a short article the other day saying that 0% BT cards are becoming less common, more expensive and with lower offer periods, which doesn't exactly fill me with joy. Ah well, I will keep plugging away at them. I've definitely got a pay rise coming in a month, Mrs E got a recent pay rise and we may also have a second pay rise/bonus and a small windfall coming by year end.

    Today I am cooking HM chicken pot pies with shortcrust pastry cases (roasted the chicken yesterday, will make HM stock this morning for the sauce). Got to keep using my new pudding moulds :rotfl:

    Have a lovely Saturday everyone.
  • Suffolk_lass
    Suffolk_lass Posts: 10,284 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    If you are looking for a 0% BT card the Spanish bank is 27 months with no fee at the moment. I appreciate you may be looking at the future prospects for these but there are still deals to be had. Personally I try to pay off within the 0% period so each one is removed. Gone are the days of our MBNA cards with a 1% fee, an 18 month period on cash advances with balances of £15k and £12k for DH and me. We acquired £27k and used it in a high interest account to pay over £100 a month off our mortgage :whistle:
    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: 13,856 Forumite
    Part of the Furniture 10,000 Posts Name Dropper
    I think I'm past anything too clever for now (although MB is going that way) :think:

    Pies were lovely, although the carrots could have been a little softer. I blind baked the cases and everything (chick peas substituting for ceramic beads that I didn't have)! Had a lovely early dinner with some steamed broccoli and a glass or two of vino, now doing some MB admin and figuring out whether I made a profit :D

    Also found time for a nice family walk around a large local park, plenty of Pooh sticks as there's a lovely valley where a river runs off a series of small waterfalls :)
  • edinburgher
    edinburgher Posts: 13,856 Forumite
    Part of the Furniture 10,000 Posts Name Dropper
    Apparently B@rclaycard closed one of my CCs with a positive balance. They are going to send me the princely sum of £21.64, most of which was interest. I have paid this off another CC.

    Had a nice bank holiday with Mrs E, today is our wedding anniversary.
  • beanielou
    beanielou Posts: 95,540 Ambassador
    Part of the Furniture 10,000 Posts Academoney Grad Mortgage-free Glee!
    Happy anniversary :)
    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: 13,856 Forumite
    Part of the Furniture 10,000 Posts Name Dropper
    Cheers beanielou. We ended the evening with vintage champagne (Lidl) and the Simpsons - very us ;)
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