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  • FIRST POST
    • edinburgher
    • By edinburgher 30th Oct 17, 5:22 PM
    • 11,572Posts
    • 61,786Thanks
    edinburgher
    The Edcawber Principle
    • #1
    • 30th Oct 17, 5:22 PM
    The Edcawber Principle 30th Oct 17 at 5:22 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 81
    • edinburgher
    • By edinburgher 11th Jan 20, 3:46 PM
    • 11,572 Posts
    • 61,786 Thanks
    edinburgher
    I loathe January. It moves at a snails pace and outdoors is still too cold and dark for any proper projects. I need to get some planning done but just not feeling it. Money is unspeakable. Have not updated my diary since before Christmas - all indicators of January blues
    Originally posted by Suffolk lass
    Also disliking the dark - Mrs E wants me to do the driving for an excursion tomorrow and it's a 100 mile round trip Somewhat soured on driving at the moment after my scrape at the end of December - took the car in yesterday for repairs and we are currently driving a horrific boy racer design Corsa

    111.07 paid off CC today, 88 or so yesterday. 4 eB@y listings ending tomorrow, currently at 155 or so

    DD tried a nice little drama class this morning, it seemed to go well, even if the teacher was very loud and errr... dramatic She'd like to go back next week, which is good, as it's less than half the price of the dance classes she bored of after two years
    • Suffolk lass
    • By Suffolk lass 12th Jan 20, 7:43 AM
    • 3,580 Posts
    • 31,024 Thanks
    Suffolk lass
    That will be great for her confidence too - our DS did LAMDA poetry readings through his little school, and when DH was training to be a teacher he went back to the teacher who did a couple of "voice projection" private classes with him. Good life skills
    Save 12k in 2019 - #68 9.396.36/7,000 134.23% total
    Save 12k in 2020 - #20
    OS Grocery Challenge 2020 target 0/3k 0% so far
    Mortgage Free Wannabes 2020 #37
    MFIT T5 No 2 42,188/59,998 or 70.32% paid after Q3
    My DFD is here
    • edinburgher
    • By edinburgher 12th Jan 20, 6:32 PM
    • 11,572 Posts
    • 61,786 Thanks
    edinburgher
    If DD had any more confidence she'd be an extrovert

    I like the idea of drama classes as they'll allow her to be noisy, creative and express herself around her peers. Unlike her introverted old dad

    We went for a family pub lunch in Milngavie today. I had forgotten how expensive it could be! We spent 41 including tip for two courses each for the adults, one drink each and a kiddie meal (about 5-6). That was *with* a 33% discount on food... Still, a fun afternoon of family bonding after DD went to a wee sleepover last night and paid for by budgeted money/pocket money.

    80 or so paid off CC (I forget exactly). eB@y sales closing shortly, 185 or so
    • beanielou
    • By beanielou 12th Jan 20, 7:49 PM
    • 68,467 Posts
    • 312,793 Thanks
    beanielou
    Always good to have family time.
    They grow up way too fast.
    Lou~ Debt free Wanabe No 55 DF 03/03/14. MFW. 14 months to mortgage freedom.
    **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 12th Jan 20, 10:02 PM
    • 11,572 Posts
    • 61,786 Thanks
    edinburgher
    Made 215 from the bay of e! Fees not even too horrific as I'd taken advantage of a 99p FVF offer, 4 or so and Payp@l's cut still to be taken. 79.99 paid off CC, will try and bundle up the first couple of sales tomorrow.
    • edinburgher
    • By edinburgher 13th Jan 20, 9:25 AM
    • 11,572 Posts
    • 61,786 Thanks
    edinburgher
    Fell off my bike on the way to work

    Luckily it was on a stretch of road that was closed to cars, so minimal harm done. I have skint knees, a sore ankle and bruised pride Have to say the cautious part of me is rethinking this cycling lark...

    3/4 eB@y people have paid, withdrew another 105 from Payp@l.

    189.85 paid off CC.
    • beanielou
    • By beanielou 13th Jan 20, 12:30 PM
    • 68,467 Posts
    • 312,793 Thanks
    beanielou
    Poor you
    Lou~ Debt free Wanabe No 55 DF 03/03/14. MFW. 14 months to mortgage freedom.
    **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 13th Jan 20, 9:10 PM
    • 11,572 Posts
    • 61,786 Thanks
    edinburgher
    4.20 paid off CC
    • Cornish_mum
    • By Cornish_mum 13th Jan 20, 9:50 PM
    • 77 Posts
    • 144 Thanks
    Cornish_mum
    Poor you about the bike crash; I always worry about DH on his bike and I am not brave enough to ride in the big smoke, hope you are not too bruised. CM
    • Suffolk lass
    • By Suffolk lass 14th Jan 20, 8:42 AM
    • 3,580 Posts
    • 31,024 Thanks
    Suffolk lass
    I'm very cautious about cycling (and motor-cycling), especially in the kind of meh weather you have at the moment. I would be looking at it as a fair-weather option if it were me. I hate the bruised and skinned thing with knees too - always made me feel nauseous for some reason. I hope you are not too battered.
    Save 12k in 2019 - #68 9.396.36/7,000 134.23% total
    Save 12k in 2020 - #20
    OS Grocery Challenge 2020 target 0/3k 0% so far
    Mortgage Free Wannabes 2020 #37
    MFIT T5 No 2 42,188/59,998 or 70.32% paid after Q3
    My DFD is here
    • edinburgher
    • By edinburgher 14th Jan 20, 11:45 AM
    • 11,572 Posts
    • 61,786 Thanks
    edinburgher
    Thanks all, I went to the minor injuries unit this morning, but it's not broken. Currently sitting with it elevated and an ice pack underneath. I also have a rather weepy knee with less skin than usual!

    I'll strap it up and get into work by hook or crook tomorrow, but hobbling about like an old man at present. Have apologised to my boss, who has been very reasonable about it (probably because I made it in and stayed for the full day after the accident yesterday).

    On this occasion, I have only my own crappy eyesight and the darkness to blame for the fall, weather and road conditions were fine.

    I'm trying to make myself useful by updating finances and will prepare the eB@y parcels for postage later on (one of the few jobs you can usefully do on your lap with your foot in the air). Have put on laundry and hand washed a few dishes, but even that was probably too much for today, as my aching ankle attests to...

    82.37 paid off CC.

    Ps. Taxis are blimmin' expensive these days!
    • edinburgher
    • By edinburgher 14th Jan 20, 4:57 PM
    • 11,572 Posts
    • 61,786 Thanks
    edinburgher
    Lovely quiet day and my ankle is feeling a bit better. Knee has also stopped oozing, although both knees bruised and raw

    Got all eB@y parcels wrapped, cleaned the washing machine and updated budgets for January and February.

    I am hopeful that the CC may be down to c. 5,000 by the end of February, which would be great. My 13th wage will take 1,800-1,900 off in July, so c. 3,100 to find by end of September so that we can apply for remortgages with no non-mortgage debts.
    • beanielou
    • By beanielou 14th Jan 20, 5:58 PM
    • 68,467 Posts
    • 312,793 Thanks
    beanielou
    You are on fire
    You can do this
    Lou~ Debt free Wanabe No 55 DF 03/03/14. MFW. 14 months to mortgage freedom.
    **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 15th Jan 20, 8:14 AM
    • 3,580 Posts
    • 31,024 Thanks
    Suffolk lass
    That's amazing progress on the CC - Well done!

    Re your knees - my Mum (90) tells the tale of coming off my Dad's motorcycle (err, not recently! ) and skinning her leg - she put vaseline on it every night to stop the scab from getting too tight and was retrospectively told this was why her scarring was so limited but it meant it was a bit gungy until it healed and had a dry gauze dressing. I suspect it isn't in accord with medical advice from today but I did the same when I burned my hand in November and it reduced the itching (I grabbed the oven shelf after the old mitts (since replaced) slipped round to leave the skin bare) and I have no visible scar. It might help your poor knees bend without blood?
    Save 12k in 2019 - #68 9.396.36/7,000 134.23% total
    Save 12k in 2020 - #20
    OS Grocery Challenge 2020 target 0/3k 0% so far
    Mortgage Free Wannabes 2020 #37
    MFIT T5 No 2 42,188/59,998 or 70.32% paid after Q3
    My DFD is here
    • edinburgher
    • By edinburgher 15th Jan 20, 9:23 PM
    • 11,572 Posts
    • 61,786 Thanks
    edinburgher
    I might give that a try thanks SL

    We live in an age of wonders - we have lived in this house since October 2015 - Mrs E has just returned triumphant from her first weekly grocery shop

    I put DD to bed, washed the dishes, loaded the dishwasher, took out the rubbish and recycling, signed DD up for a regular drama class and did the finances. In retrospect, I prefer the shopping!

    Ankle and knees still sore, but I took the car in today and was able to manage a brief hobble along Argyle Street. Not available tomorrow, so I'll have to brave the bus. Thinking about sitting on the bottom like an old yin

    81.54 paid off CC - will be sub 8k as of tomorrow's payment
    • Suffolk lass
    • By Suffolk lass 16th Jan 20, 8:08 AM
    • 3,580 Posts
    • 31,024 Thanks
    Suffolk lass
    You must not feel guilty about sitting downstairs on the bus - number one is self-care. If you force yourself to sit upstairs you will slow the healing - and feel rubbish. Nurture yourself - especially with the weather forecast for today - it looks hairy. I saw a pic of the storms in Troon from this week on the BBC News pages and it is horrible. Battered and bruised - you and your locality!
    Save 12k in 2019 - #68 9.396.36/7,000 134.23% total
    Save 12k in 2020 - #20
    OS Grocery Challenge 2020 target 0/3k 0% so far
    Mortgage Free Wannabes 2020 #37
    MFIT T5 No 2 42,188/59,998 or 70.32% paid after Q3
    My DFD is here
    • edinburgher
    • By edinburgher 17th Jan 20, 1:44 PM
    • 11,572 Posts
    • 61,786 Thanks
    edinburgher
    I was so stiff I actually ended up in a taxi (ooh la la)! Still, can't afford that often, so bus home. Plan is to take bus next week and maybe cycle home on Thursday evening.

    83.01 paid off CC
    • edinburgher
    • By edinburgher 17th Jan 20, 6:43 PM
    • 11,572 Posts
    • 61,786 Thanks
    edinburgher
    Skelped car returned good as new! Dreading insurance renewal, but at least I no longer have the creeping dread of a highly specialised repair that I can do absolutely nothing about by myself hanging over me. Garage very good, despite their terrible name (can't share, but hilarious). Exhausted after a terrible night's sleep and my legs hurt
    • beanielou
    • By beanielou 17th Jan 20, 6:55 PM
    • 68,467 Posts
    • 312,793 Thanks
    beanielou
    Poor you
    Lou~ Debt free Wanabe No 55 DF 03/03/14. MFW. 14 months to mortgage freedom.
    **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 17th Jan 20, 7:00 PM
    • 11,572 Posts
    • 61,786 Thanks
    edinburgher
    Cheers Beanie, I'll survive. Mrs E home, little one should sleep tonight and we're treating ourselves to a payday takeaway (part of our routine this year sees us greatly reducing takeaway to no more than once every 4 weeks). Also have a voucher off Ub3r Eats, so shouldn't cost more than 8
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