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Learning to walk before I run
Comments
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I'm confused about the credit card payment reducing your net worth? Surely it should stay even, as you now have £270 less debt 🤔?Mortgage start: £65,495 (March 2016)
Cleared 🧚♀️🧚♀️🧚♀️!!! In 5 years, 1 month and 29 days
Total amount repaid: £72,307.03. £1.10 repaid for every £1.00 borrowed
Finally earning interest instead of paying it!!!4 -
I think it's the way YNAB records it @South_coast, perhaps I'm getting my terminology confused. While NW (i.e. assets vs liabilities) remains the same, the credit doesn't exist to begin with (not an asset), so YNAB says you've got less money available overall when you pay some off.
I don't think it likes credit unless it's fully funded/monies allocated to the credit card, which you don't do if you're effectively stoozing, as not fully funding the credit card is basically the point. Every time I look at my credit card account it tries to get me to allocate £10k at once, which isn't happening
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At the risk of offending the sensibilities of anyone remotely Scottish, I saw haggis, in a tin....... in fArmF00ds the other day......... I'm not sure - even if it was a veggie version - I'd want to try that......... 🫤
Greying XGC November 2026 £0/£143.00 - "Low-Vember", credit: @Blackcats
GC September 2026 £226.57/£225
GC August 2026 £218.02/£232.50
GC July 2026 £237.82/£232.50
GC June 2026 £225.39/£225
Non-food spend November 2026 £0/£80
Bulk Fund 2026 Month 11/12 - £0/£20.40 (reducing balance - start £120)4 -
@Greying_Pilgrim- worth noting that some tinned haggis is just a small haggis... in a tin! As such, just another airtight container (beyond the casing they make it in) so that it lasts a bit longer. Not sure if they add any nastive preservatives but let's be honest, haggis is pretty nasty to begin with!
... I still enjoy it
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ed - I hadn't thought of it like that. Makes sense.
Greying XGC November 2026 £0/£143.00 - "Low-Vember", credit: @Blackcats
GC September 2026 £226.57/£225
GC August 2026 £218.02/£232.50
GC July 2026 £237.82/£232.50
GC June 2026 £225.39/£225
Non-food spend November 2026 £0/£80
Bulk Fund 2026 Month 11/12 - £0/£20.40 (reducing balance - start £120)5 -
I've had tinned Haggis - in a tiny hoose up in Ardnamurchan. Tin of haggis, tin of beans: dinner of queens.8
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Simon Howie GF haggis in Morrisons - £2.50. Same item in Aldi £1.50 !!Viking_mfw said:
You can usually find it in Sainsbury's at this time of year (fellow gf Haggis fan).Baileys_Babe said:
Did you decide to have haggis? I hope you did, we would have joined you if I could find gluten free haggis this side of the boarder.edinburgher said:
We have haggis, carrots (don't really like neeps) and tatties, so could do a bit of a Burns Night later on. Our only whisky is American but I won't tell if you don't
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Thanks everyone for your GF haggis ideasFashion on a ration 2025 0/66 coupons spent
79.5 coupons rolled over 4/75.5 coupons spent - using for secondhand purchases
One income, home educating family5 -
Ooh, I've just been reading @foxgloves diary and seen someone post about the lgps (England & Wales) 85-year rule. Do you have that or the equivalent in Scotland?Save £12k in 2026 #2 I have banked £10,836.47 in 9 months, against a £10k target The Save £12k in 2026 thread is here
OS Grocery Challenge in 2026 I have a £3000 annual budget for 2026 - currently £2270.73 to the end of Oct
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 2027 thread brand new and sparkling - feel free to join us and say what and how you are planning
My keep within our budget diary is here5 -
@Suffolk_lass - yes, but don't think I'm old enough for it to apply (relates to membership a decade or more before I joined the scheme)5
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