Your browser isn't supported
It looks like you're using an old web browser. To get the most out of the site and to ensure guides display correctly, we suggest upgrading your browser now. Download the latest:

Welcome to the MSE Forums

We're home to a fantastic community of MoneySavers but anyone can post. Please exercise caution & report spam, illegal, offensive or libellous posts/messages: click "report" or email forumteam@.

Search
  • FIRST POST
    • edinburgher
    • By edinburgher 30th Oct 17, 4:22 PM
    • 11,521Posts
    • 61,600Thanks
    edinburgher
    The Edcawber Principle
    • #1
    • 30th Oct 17, 4:22 PM
    The Edcawber Principle 30th Oct 17 at 4:22 PM
    I think I promised a new and improved positive diary earlier on in the summer

    I'll try my best to keep it short and sweet, (unlike my credit card statements). Cutting a long story short, after renovating the house and an accidental car purchase (hey, it could've been a house!) we are probably better candidates for DFW

    We're now left with a much more relaxing house (we just finished our bedroom), a new car and 20,000 in credit card debt

    The new job goes fairly well, all things considered and our budget is starting to balance on a month-to-month basis. Basically I've said yes to everything, which is lovely, but immature. Mrs E realises the lie of the land and is supporting efforts to get back on an even keel. I'm eb@ying, saving cashback and making overpayments every Monday.

    DD and Mrs E are doing fabby, DD is the apple of our eye and remains chatty, affectionate and madcap
Page 75
    • BakingC
    • By BakingC 18th Jun 19, 5:20 AM
    • 94 Posts
    • 145 Thanks
    BakingC
    How your clothes fit
    Great work on everything in your diary.

    I know you love seeing the scales move but focus on how your clothes fit too / looking in the mirror as that tends to be a better measure when weightlifting is part of your gym regime if you don't want to go about calculating bf%
    • edinburgher
    • By edinburgher 18th Jun 19, 7:22 AM
    • 11,521 Posts
    • 61,600 Thanks
    edinburgher
    Great work on everything in your diary.

    I know you love seeing the scales move but focus on how your clothes fit too / looking in the mirror as that tends to be a better measure when weightlifting is part of your gym regime if you don't want to go about calculating bf%
    Originally posted by BakingC
    Thanks.

    That's exactly what one of my sporty siblings says and there have definitely been improvements in muscle definition/waist etc. 36" shorts that I bought for my last summer holiday were literally falling off this year as I forgot to bring a belt

    I've always had big quads, so it can make trouser buying uniquely frustrating!

    5.92 paid off credit card, 0.6lbs lost today (7lbs this week).
    Last edited by edinburgher; 18-06-2019 at 7:31 AM.
    • Suffolk lass
    • By Suffolk lass 18th Jun 19, 7:51 AM
    • 3,128 Posts
    • 28,567 Thanks
    Suffolk lass
    I weighed myself this morning and have let a few pounds creep back on. Nightmare. So that is it. I am going back to my strict eating until hols - mine is based on the 8-week Low Blood-sugar Diet that Dr Michael Mosley's book follows - recommended for diabetics (I am not diabetic but the sugar makes my joints creaky (literally audibly) and stiff so it suits me). The big things are bread, potatoes and sugar at the moment. Oh, and alcohol

    I am going to try and be accountable on my diary as I know I have naughty stuff in the house. I bet mine is slower than yours!
    MFIT T5 target to clear our mortgage completely (59,998) Q2 30,085 or 50.14% paid - Mortgage Free Wannabes 2019 #37 78.13% 31,251.65 including July - reducing now we have stopped work
    Save 12k in 2019 - #68 target is 7k 6,875.14 after July
    OS Grocery Challenge 2019 target is 3k - 50.52% spent so far, at end of July
    My DFD is here
    • edinburgher
    • By edinburgher 18th Jun 19, 8:12 PM
    • 11,521 Posts
    • 61,600 Thanks
    edinburgher
    Bread, potatoes and alcohol - mmmmmh

    I had a major wobble this afternoon, felt sick as a dog and miserable. I have 'treated' myself with a chocolate flavoured protein shake (I know, I know) Tomorrow I am going to allow myself two protein shake snacks to mix it up a bit - only 220 extra calories for both and 2.4g of carbs. I think my body can hack low carbs, it's more the miniature intermittent fasting that it hates. Until now, I've been going 15 hours between dinner and breakfast, I'm going to try and break that after 12 hours with one of the protein shakes to tide me over until 11:00 'lunch'.

    I'd rather compromise a little than quit after less than a week
    • Suffolk lass
    • By Suffolk lass 19th Jun 19, 7:44 AM
    • 3,128 Posts
    • 28,567 Thanks
    Suffolk lass
    The big thing about the diet for me is cutting out anything sweet beyond fruit. So only fruit that grows in the UK and no sugar substitutes.

    Out of interest, are you having the protein shakes because you are craving chocolate, or because you already have them in? - whenever I have seen you post about what you cook it seems already to be high in protein. I go for nuts and cheese as my snacks, and a mini-bar of dark high cocoa solids chocolate if I am craving it - actually after one school trip DH accompanied to France or Belgium, he brought back some 100% Lindt stuff - very hard to eat (I persevered ) but generally 85% or more if it is a big bar, or I just eat all of it
    MFIT T5 target to clear our mortgage completely (59,998) Q2 30,085 or 50.14% paid - Mortgage Free Wannabes 2019 #37 78.13% 31,251.65 including July - reducing now we have stopped work
    Save 12k in 2019 - #68 target is 7k 6,875.14 after July
    OS Grocery Challenge 2019 target is 3k - 50.52% spent so far, at end of July
    My DFD is here
    • edinburgher
    • By edinburgher 19th Jun 19, 4:28 PM
    • 11,521 Posts
    • 61,600 Thanks
    edinburgher
    I do like my protein

    I don't get cravings for sweet things, just salty and fatty things

    Protein shakes were added in because I already have a giant sack of the powder and something a little sweet is the perfect foil to tedious meals of meat and eggs. Today has felt a lot more tolerable, amazing the difference that 115 calories of something that tastes *different* can make
    • Sa1sysoo
    • By Sa1sysoo 19th Jun 19, 7:44 PM
    • 282 Posts
    • 1,194 Thanks
    Sa1sysoo
    Long time lurker here - re the weight loss, have you looked into James Smith Academy? It ma be worth getting his free emails, look at his videos on Instagram, or try his free trial.
    He's very no nonsense (a bit sweary), but he gives pretty good advice and I've found his website to be invaluable.

    May be worth a look.
    2019 2 Savers Club #6 - 0/100 Target Weight Loss: 0/46
    2019 1% Club (#8) - 36.65%/100% Declutter 2019 in 2019 - 401/2019
    Joint Overdraft: 1,400/1,500, Barclaycard (0%): 4,139.58/5,197.37
    DH Overdraft: 1,800 Virgin CC (0%):3,847.08/3,857.70
    • Suffolk lass
    • By Suffolk lass 5th Jul 19, 8:50 AM
    • 3,128 Posts
    • 28,567 Thanks
    Suffolk lass
    You are quiet edinburgher, I hope all is well with you and the family
    MFIT T5 target to clear our mortgage completely (59,998) Q2 30,085 or 50.14% paid - Mortgage Free Wannabes 2019 #37 78.13% 31,251.65 including July - reducing now we have stopped work
    Save 12k in 2019 - #68 target is 7k 6,875.14 after July
    OS Grocery Challenge 2019 target is 3k - 50.52% spent so far, at end of July
    My DFD is here
    • beanielou
    • By beanielou 5th Jul 19, 5:04 PM
    • 65,636 Posts
    • 295,425 Thanks
    beanielou
    Was just thinking of you the other day.
    Hope all is ok with you & yours
    Lou~ Debt free Wanabe No 55 DF 03/03/14.
    **Credit card debt free 30/06/10~** **Weight loss 2 stone 11 lbs **

    "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.
    It starts with you, it starts from now. *** It is ok to be me.***
    ***Keep plodding***
    Out of debt, out of danger. ***Be the difference.***
    • edinburgher
    • By edinburgher 6th Jul 19, 7:14 PM
    • 11,521 Posts
    • 61,600 Thanks
    edinburgher
    All is well - I have just been very busy at work (and in real life)!

    As expected, we have been a bit too spendthrift over the last couple of months and it caught up with me in flamboyant style after I managed to go into an (unplanned) overdraft of about 150 It was only overnight (paid the next day), but it was a rude awakening

    Part of the problem was the fact that we're trying to behave ourselves a bit better and are now doing calendar month budgeting (as opposed to "whenever I get paid" budgeting). Being paid 4 weekly is a royal pain in the posterior and I got to "spend" none of my "13th wage" (largely because I'd already !!!!ed the money away elsewhere). Making overly large credit card repayments has also bit me in the bottom - remember marathon not a sprint and all that...

    Am currently doing my best to right the ship (and enjoying a rare night where Mrs E has gone out with the girls leaving me to treat myself to a Chinese with some of my pocket money and some QT playing (free) computer games).

    I'll try to get back into updating habits
    • beanielou
    • By beanielou 6th Jul 19, 7:19 PM
    • 65,636 Posts
    • 295,425 Thanks
    beanielou
    Good to hear from you
    Lou~ Debt free Wanabe No 55 DF 03/03/14.
    **Credit card debt free 30/06/10~** **Weight loss 2 stone 11 lbs **

    "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.
    It starts with you, it starts from now. *** It is ok to be me.***
    ***Keep plodding***
    Out of debt, out of danger. ***Be the difference.***
    • Suffolk lass
    • By Suffolk lass 7th Jul 19, 8:03 AM
    • 3,128 Posts
    • 28,567 Thanks
    Suffolk lass
    Yes, good to get an update from you. It's very easy to stop posting at this time of year. I try to keep doing my budgets even when I'm not posting as that is where my little Tilly Tidies reveal themselves
    MFIT T5 target to clear our mortgage completely (59,998) Q2 30,085 or 50.14% paid - Mortgage Free Wannabes 2019 #37 78.13% 31,251.65 including July - reducing now we have stopped work
    Save 12k in 2019 - #68 target is 7k 6,875.14 after July
    OS Grocery Challenge 2019 target is 3k - 50.52% spent so far, at end of July
    My DFD is here
    • Watty1
    • By Watty1 7th Jul 19, 10:47 AM
    • 3,124 Posts
    • 21,904 Thanks
    Watty1
    Good to catch up on here with folk who were a big part of my journey not that long ago.
    Mortgage at start of diary Sept 2013: 132,995 Aug 2015 0
    Overpaid next mortgage. 79,491 down to 27152
    Changing focus for now
    • ajmoney
    • By ajmoney 7th Jul 19, 10:57 AM
    • 5,143 Posts
    • 56,698 Thanks
    ajmoney
    Good to catch up on here with folk who were a big part of my journey not that long ago.
    Originally posted by Watty1
    We still are, you can't get rid of us that easily
    2019 MFW No. 70 3453.74/4000
    MFiT-T5 No. 70 1620.12/27506.08
    • shangaijimmy
    • By shangaijimmy 7th Jul 19, 1:50 PM
    • 3,125 Posts
    • 15,918 Thanks
    shangaijimmy
    Being paid 4 weekly is a royal pain in the posterior and I got to "spend" none of my "13th wage" (largely because I'd already !!!!ed the money away elsewhere.
    Originally posted by edinburgher
    Mrs SJ is a fellow 4 weekly wages person, and I concur that its a pain for budgeting. The 13th wage that i always hope will be a nice bonus to our accounts also seems to vanish into the ether, never to be enjoyed!
    MFW: Turning June 2036 into something less...
    53 months - Total Reduction: 56,067.04
    Was: 136,000..........Now: 79,933.35
    MFiT-T5 #8 - 28.06% of 23,000
    • edinburgher
    • By edinburgher 19th Jul 19, 6:27 PM
    • 11,521 Posts
    • 61,600 Thanks
    edinburgher
    Mrs SJ is a fellow 4 weekly wages person, and I concur that its a pain for budgeting. The 13th wage that i always hope will be a nice bonus to our accounts also seems to vanish into the ether, never to be enjoyed!
    Originally posted by shangaijimmy
    I hear you SJ!

    I have been tinkering - saved 50-100 off car insurance renewal, 265 off next year's V1rgin contract and a quick review of mobile phones suggests that 200 saving should be doable for the next year.

    Feels a bit like pennies from under a steamroller....
    • beanielou
    • By beanielou 19th Jul 19, 7:12 PM
    • 65,636 Posts
    • 295,425 Thanks
    beanielou
    No, it's not
    That's great
    Lou~ Debt free Wanabe No 55 DF 03/03/14.
    **Credit card debt free 30/06/10~** **Weight loss 2 stone 11 lbs **

    "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.
    It starts with you, it starts from now. *** It is ok to be me.***
    ***Keep plodding***
    Out of debt, out of danger. ***Be the difference.***
    • savingholmes
    • By savingholmes 19th Jul 19, 7:32 PM
    • 9,421 Posts
    • 18,086 Thanks
    savingholmes
    Feels a bit like pennies from under a steamroller....
    Originally posted by edinburgher
    All the little bits add up - but love the phrase!
    Target DFD Mar 21 Nov 20 38840 @ 13/7/19 29,666 @0%
    Target MFD July 2031 April 28 owe 145551 @13/7/19 145,362 @1.7%
    • edinburgher
    • By edinburgher 21st Jul 19, 11:51 AM
    • 11,521 Posts
    • 61,600 Thanks
    edinburgher
    Woohoo! Gas & electricity provider are knocking 49/month off our DD and are refunding 180
    • beanielou
    • By beanielou 21st Jul 19, 12:43 PM
    • 65,636 Posts
    • 295,425 Thanks
    beanielou
    Good result ��
    Lou~ Debt free Wanabe No 55 DF 03/03/14.
    **Credit card debt free 30/06/10~** **Weight loss 2 stone 11 lbs **

    "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.
    It starts with you, it starts from now. *** It is ok to be me.***
    ***Keep plodding***
    Out of debt, out of danger. ***Be the difference.***
Welcome to our new Forum!

Our aim is to save you money quickly and easily. We hope you like it!

Forum Team Contact us

Live Stats

2,818Posts Today

7,298Users online

Martin's Twitter