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Learning to walk before I run
Comments
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Bought a 5.6kg turkey reduced to £2.50. Mrs E is going to murder me 😂8
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You remind me of the elderly chap at the fish counter in moreesons when I was buying the trout. He had already bought two whole salmon’s worth of steaks and was debating buying a third … His granddaughter was saying ‘Don’t granppy, gran will kill you!’ He did anyway! 😉😊edinburgher said:Bought a 5.6kg turkey reduced to £2.50. Mrs E is going to murder me 😂
KKAs at 15.01.26:
- When bought house £315,995 mortgage debt and end date at start = October 2039 - now £222,084
- OPs to mortgage = £12,881 Estd. interest saved = £6,203 to date
c. 16 months reduction in term
Fixed rate 3.85% ends October 2030
Read 6 books of target 52 in 2026 as @ 18th January
Produce tracker: £29 of £400 in 2026
Watch your thoughts, they become your words.
Watch your words, they become your actions.Watch your actions, they become your reality.5 -
@edinburgher - if you are doing the cooking of the 5.6kg monstrosity then MrsE will be singing your praises!4 YEARS 10 MONTHS DEBT FREE!!! (24 OCT 2016)(With heartfelt thanks to those who have gone before us & their indubitable generosity.)...and now I have a mortgage! (23 AUG 2021)Original End Date - Sept 2041 New projection - Dec 2039 (reduced by 21 months)4
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@KajiKita - I love that story! 😄
@rtandon27 - the beast is already in the oven and is 2/3 done. I've also had to make stock from the last carcass to free up a freezer shelf. Mrs E's reaction was what I expected - momentary shocked outrage (very mild) followed by good humoured acceptance of my nature. "I forget I'm not allowed to let you go to the shops after Christmas!" Followed by "didn't something similar happen last year? 🤔" I think that was a 7lb ham... 😂9 -
@edinburgher - I'm not technically allowed in the shops after xmas either, but I do have a list of things we actually need to get whch are currently on sale so were ordered online - I've said to OH that I"m going for a walk to Waitflower tomorrow morning to get a free coffee & his answer was that I was to leave the rucksack at home & yellow stickers were to be limited only to things that are on the grocery list that I'm able to carry in a small shopper & that it did not include any kind of chocolate!4 YEARS 10 MONTHS DEBT FREE!!! (24 OCT 2016)(With heartfelt thanks to those who have gone before us & their indubitable generosity.)...and now I have a mortgage! (23 AUG 2021)Original End Date - Sept 2041 New projection - Dec 2039 (reduced by 21 months)8
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I invited people over to avoid the opportunity to shop, but I might yet go today for more veg...Save £12k in 2025 #2 I saved £14,660.97 of £6000 or 244.35% of my target. The 2026 Save £12k in 2026 thread is here
OS Grocery Challenge in 2025 I finished the year at £2880.99/£3000 or 96.03% of my annual spend so I am sticking with a £3000 annual budget for 2026
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 in 2026 discussion thread
My keep within our budget diary is here5 -
I slightly regretted the small dinosaur cooking project by the time I had finished cooking and the dishwasher went on for the third time... I ended up with 4x 500g bags of turkey (2.5 dark meat, 1.5 white meat) and the bulk of a leftover breast. There was also enough bones for 2x freezer bags for stock. Turkey isn't particularly generous in the meat/bones ratio. My previous set of turkey bones was enough for 1l of lovely concentrated stock, tastes like Chrismas
I think today will be leftover turkey (Christmas), pickles and veg, cheese board again, and the remains of a small jar of keta caviar that's lurking in the fridge. It's a hard life (burp)! My Dad is visiting tomorrow, so I'll stock up on some reasonable supermarket cakes and biccies today. We won't need to feed him, which simplifies things greatly.We had a bit of a chat before Christmas and decided that 3 years was unrealistic for our extension, much as we might like it. We've decided to give ourselves 5 years instead, and have upped our target to £60,000 cash contribution. Although we felt that we could readily save the £50,000 over 3 years with a fair wind, this allows a little more wiggle room and I'd rather extend with an 8-year-old DD2 than a 5/6-year-old. We will still aim to carry out some other renovations during the 5 years, including a bathroom renovation and various garden repairs/projects. We're attempting to be pragmatic rather than backsliding, the monthly ask is still a hefty £983 + the cost of any other renovations (oh blue shrieking emoji, I miss you so).- £20.36 OPed (doubtless one of the last at 6.15%)!
- £6.30 moved to EF
- £6.89 withdrawn from Prolific and paid into my personal spends account
- A few £ moved to my personal savings account
- A couple of £ moved to my personal tax savings account
Off to the shops with the girls, hope everyone else is having a relatively relaxed break.12 -
ed - stop being so hard on yourself. I didn't read extending project saving perameters to 5 yrs from 3 as backsliding! Far from it! Your being practical - heavens, you've even built in a bigger cost overshoot to allow for price rises/different design requirements/ideas in the interim. If anyone has thought through this project from every which way, well then it's you and MrsE. As you say, even with a reasonable timeframe, the saving criteria is still quite an ask. ed you and the fam. have set yourself a worthwhile target that will require considerable reach, and consistent perserverance - good luck! (not that you will need it - but I envisage your spreadsheet will constantly be running red-hot with budgetary machinations! 😁).
Greying XGrocery Spend January 2026 £127.33/£300
Non-food spend January 2026 £12.32/£80
Bulk Fund 2026 Month 1/12 - £0/£1208 -
Thank you @Greying_Pilgrim- force of habit!
MIL has informed Mrs E that she will no longer be giving cash gifts to either her or SIL. While there is, of course, no obligation whatsoever for a parent to send their children cash, Mrs E has always welcomed and made good use of these small infusions, particularly as she doesn't have any of the beer money options that I do (wrong demographics).
MIL has expressed surprise that her outgoings have been so high over the last year and appears to have no insight into the cost of dating someone after a 40+ year break, her increasing reliance on takeaways or the impact of subbing a non-contributing adult child for 3+ years
Check me out, I sound like a broadsheet article bemoaning Gen Z spending trends
Joking aside, I do worry that she isn't grasping the impact of inflation, and I know that she doesn't budget or track spending in any way. Hypotheses aside, we will try and limit the impact for Mrs E. I've updated YNAB to reflect a 3% uplift to our personal spends from January, this should replace the missing monies. It's not a huge amount but it will make a useful difference and after all, that's what money is for, eh? We have intentionally kept things relatively restrained on the personal spends front after we lost them entirely after the mini budget fankle and the financial pressures from that have started to ease.Nearly time for dinner. The last of the Christmas turkey (plenty of post-Christmas turkey still to come), roasties made from the stoorie pre-Christmas potatoes, carrots and gravy using some of the tasty HM stock from yesterday. I am starving!5 -
They are not the same, but close - Are these those you miss??


Save £12k in 2025 #2 I saved £14,660.97 of £6000 or 244.35% of my target. The 2026 Save £12k in 2026 thread is here
OS Grocery Challenge in 2025 I finished the year at £2880.99/£3000 or 96.03% of my annual spend so I am sticking with a £3000 annual budget for 2026
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 in 2026 discussion thread
My keep within our budget diary is here5
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