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  • FIRST POST
    • edinburgher
    • By edinburgher 30th Oct 17, 4:22 PM
    • 11,483Posts
    • 61,384Thanks
    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 73
    • edinburgher
    • By edinburgher 16th May 19, 5:13 PM
    • 11,483 Posts
    • 61,384 Thanks
    edinburgher
    Our property value has gone up in our lender's estimation by 20k - that means they think we have 75% LTV
    • beanielou
    • By beanielou 16th May 19, 7:54 PM
    • 63,171 Posts
    • 277,721 Thanks
    beanielou
    Good news
    Lou~ Debt free Wanabe No 55 DF 03/03/14.
    **Credit card debt free 30/06/10~** **Weight loss 2 stone 12 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.***
    • CathT
    • By CathT 17th May 19, 6:02 AM
    • 6,041 Posts
    • 42,079 Thanks
    CathT
    Wow that time has flown, I thought she was 2! Happy birthday MiniE
    May 2019 - part 1 - 69,219 part 2 - 43,825
    Total - 113,044 102 months to go!
    • wishingthemortgaheaway
    • By wishingthemortgaheaway 17th May 19, 8:43 AM
    • 2,111 Posts
    • 11,522 Thanks
    wishingthemortgaheaway
    It's Pickle's birthday today too, but he's 3.
    Outstanding mortgage: 27,000
    MFW 2019 Challenge Member #28: 800.something/ 2860
    • beanielou
    • By beanielou 17th May 19, 6:19 PM
    • 63,171 Posts
    • 277,721 Thanks
    beanielou
    Happy birthday Miss E
    Lou~ Debt free Wanabe No 55 DF 03/03/14.
    **Credit card debt free 30/06/10~** **Weight loss 2 stone 12 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 17th May 19, 7:13 PM
    • 11,483 Posts
    • 61,384 Thanks
    edinburgher
    We spent 5 exhausting hours at Heads of Ayr, then had a very grown up posh chippy outside in Giffnock. She made us cover a lobster shell with a napkin (do I win the first world problems Olympics)?
    • Suffolk lass
    • By Suffolk lass 20th May 19, 4:30 AM
    • 2,801 Posts
    • 26,853 Thanks
    Suffolk lass
    Love Heads of Ayr. 4!! I remember you posting about Mrs E being pregnant albeit on your old diary. 75% LTV is very impressive. Your next remortgage will secure you a good rate with that!
    MFIT T5 target to clear our mortgage completely (59,998) Q1 26,828 or 44.71% paid - Mortgage Free Wannabes 2019 #37 27,995.65 after Apr
    Save 12k in 2019 - #68 target is 7k 4,378.57 or 63.55% after April
    OS Grocery Challenge 2019 target is 3k - 27.62% spent so far, after April
    My DFD is here
    • edinburgher
    • By edinburgher 20th May 19, 9:34 AM
    • 11,483 Posts
    • 61,384 Thanks
    edinburgher
    After a Sunday afternoon spent surrounded by 30+ children, I do not think Mrs E has any urge to be pregnant again!

    DD's party went very well and a good time was had by all.

    116.54 paid off my CC - I am a smidgeon away from the 12,xxx region (child benefit, mobile phone contract and a tiny bit of savings interest).
    • wishingthemortgaheaway
    • By wishingthemortgaheaway 20th May 19, 12:03 PM
    • 2,111 Posts
    • 11,522 Thanks
    wishingthemortgaheaway
    30+ 4 year olds will do that to anyone!!!
    Outstanding mortgage: 27,000
    MFW 2019 Challenge Member #28: 800.something/ 2860
    • beanielou
    • By beanielou 20th May 19, 4:45 PM
    • 63,171 Posts
    • 277,721 Thanks
    beanielou
    30 kids
    You are a glutton for punishment!
    Lou~ Debt free Wanabe No 55 DF 03/03/14.
    **Credit card debt free 30/06/10~** **Weight loss 2 stone 12 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 20th May 19, 6:31 PM
    • 11,483 Posts
    • 61,384 Thanks
    edinburgher
    30 kids
    You are a glutton for punishment!
    Originally posted by beanielou
    She is a wee socialite Beanie
    • beanielou
    • By beanielou 20th May 19, 8:00 PM
    • 63,171 Posts
    • 277,721 Thanks
    beanielou
    She is a wee socialite Beanie
    Originally posted by edinburgher
    Which is great
    Lou~ Debt free Wanabe No 55 DF 03/03/14.
    **Credit card debt free 30/06/10~** **Weight loss 2 stone 12 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 21st May 19, 12:27 PM
    • 11,483 Posts
    • 61,384 Thanks
    edinburgher
    70 paid off CC, now under 13,000.

    I am feeling guilty about using CB money to repay debts again, even though we will pay back every penny and growth, it feels wrong
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