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  • FIRST POST
    • brizzledfw
    • By brizzledfw 5th Jan 12, 3:32 PM
    • 7,071Posts
    • 34,191Thanks
    brizzledfw
    LBM in 2003.. What have I been doing since??!
    • #1
    • 5th Jan 12, 3:32 PM
    LBM in 2003.. What have I been doing since??! 5th Jan 12 at 3:32 PM
    Hello

    I have decided to start a diary. Have lurked on here since early 2009, subscribed to loads of threads, loved all the camaraderie and found it very useful for getting shot of debt, starting savings and all that kind of good stuff but then have slipped and skidded into more debt, especially as I left a FT job this spring and yet seem to be still living as if I was FT and not PT...loving feeling more human though and seeing more of the kids but financially it's not great. I need to welcome and appreciate living a much more frugal life.

    HOWEVER..even writing that seems bonkers as for a household we are well off with an embarrassingly high income of about 90k gross. But clearly as the newly updated signature shows there is no hiding that we (OH, me and 2 DDs) are living beyond our means, failing to prioritise the right things and generally need to rectify all this otherwise, well no otherwise, it simply can't continue. All the savings and OP pot will go and I won't be able to rob Peter to pay Paul anymore which is what I think I have been doing.. Not sure ( which is also embarrassing ) but must have been plus then started to use the 0% credit cards again which can be a slippery slope if not used properly.

    I am going away now to do some more on why I have got myself into this mess, ensure I am clear there is no going back and also what my goals are. Hoping this will help me focus and as you guys ( hope you're reading are such a supportive bunch on here I am hoping you will also help me! But even if no one reads, I think I need the discipline of sticking to a programme..I can't afford to slip again. This needs to be a new permanent way of life. Currently we try and do all the things that make us feel good about ourselves, the world, the environment, our family..but perhaps we can't do it all and need to make choices? I guess everyone must but we have just not had to as yet.

    So a few things to do. Sorry for rambling first post but I needed to take the first step!! Which also reminds me must check out the 'what DFW things have you done today' thread..that used to be magic. Used to love doing that 'stock take' every day

    Onwards and upwards

    Cheers

    Brizzle
    MFiT-T4 Member No. 96 - 2022 is my MF goal
    September '17 Savings Rate Goal: 33% [August 33%]
    Declutter 100 items before 30.09.17 35/100 ** LSDs Target 5 for September 02/05 **AFDs 09/15 ** Sales Target '17 £750 £225 so far
    **NSDs Target 5 for September 01/05 Trying to be a Frugalista
Page 201
    • brizzledfw
    • By brizzledfw 14th May 17, 9:15 PM
    • 7,071 Posts
    • 34,191 Thanks
    brizzledfw
    DD1 has just decluttered 12 items, I have 3 to go (including a jumper OH just shrunk for me.. ) it may now fit a child!! So that's 15 - will update the total when they leave my hallway ... fingers crossed that's tomorrow
    MFiT-T4 Member No. 96 - 2022 is my MF goal
    September '17 Savings Rate Goal: 33% [August 33%]
    Declutter 100 items before 30.09.17 35/100 ** LSDs Target 5 for September 02/05 **AFDs 09/15 ** Sales Target '17 £750 £225 so far
    **NSDs Target 5 for September 01/05 Trying to be a Frugalista
    • brizzledfw
    • By brizzledfw 15th May 17, 7:11 AM
    • 7,071 Posts
    • 34,191 Thanks
    brizzledfw
    Good start to my day. Despite it raining I cycled to the train station and because I got properly ready the night before I could set my alarm much later. OH very happy about that! Now sitting with my flask of coffee on train and doing a money shuffle.. love it. Can really see the CC debt from last year's tax bill decreasing and feel positive with what we are planning and doing. Even managing to save something (EF is twice what it was last month), and pay off flights. Am rather pleased with our progress this month in the Brizzle household
    Last edited by brizzledfw; 15-05-2017 at 7:40 AM.
    MFiT-T4 Member No. 96 - 2022 is my MF goal
    September '17 Savings Rate Goal: 33% [August 33%]
    Declutter 100 items before 30.09.17 35/100 ** LSDs Target 5 for September 02/05 **AFDs 09/15 ** Sales Target '17 £750 £225 so far
    **NSDs Target 5 for September 01/05 Trying to be a Frugalista
    • PurpleFairy26
    • By PurpleFairy26 15th May 17, 7:25 AM
    • 1,832 Posts
    • 12,314 Thanks
    PurpleFairy26
    Good start to my day. Despite it raining I cycled to work and because I got properly ready the night before I could set my alarm much later. OH very happy about that! Now sitting with my flask of coffee on train and doing a money shuffle.. love it. Can really see the CC debt from last year's tax bill decreasing and feel positive with what we are planning and doing. Even managing to save something (EF is twice what it was last month), and pay off flights
    Originally posted by brizzledfw
    I love a good start to the day. It's so good for the soul that and decreasing cc amounts mine is slightly different but no less satisfying, money shuffle done and raspberry and almond cake in oven as up early. Just negotiating with smalls to eat breakfast and then I'll be off to work after preschool run. Exercise for me later in form of yoga on YT as no time for run as DH working. Enjoy your day, well done on rain not putting you off
    • beanielou
    • By beanielou 15th May 17, 8:52 AM
    • 47,208 Posts
    • 169,564 Thanks
    beanielou
    Great progress indeed.
    Be proud.
    Lou~ Debt free Wanabe No 55 DF 03/03/14.
    **Credit card debt free 30/06/10~** **Weight loss 2 stone 2 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***
    • jwil
    • By jwil 15th May 17, 5:06 PM
    • 7,565 Posts
    • 20,966 Thanks
    jwil
    Sounds great Brizzle
    "If you can dream it, you can do it". Walt Disney
    • brizzledfw
    • By brizzledfw 15th May 17, 5:37 PM
    • 7,071 Posts
    • 34,191 Thanks
    brizzledfw
    Thanks lovely peeps. PF - that's such a lovely message thank you. Quite how you managed to prep a cake before breakfast with smalls is beyond me!!! Jwil and Lou - you're always supportive - thanks as ever.

    Lunch was LOs at my desk and as long as OH spent nothing should be a NSD


    It pelted down with rain today so don't expect to be very dry by time I crawl in. Early start tomorrow but have a week off in a fortnight so can't complain. OH is getting dinner organised as I am running late. Another Riverford veggie recipe - Masala Dhosas and Beetroot relish. Should be lush. We are doing well on the veggie front - have hardly eaten meat all week save for using up some chorizo and LO roast chicken in a paella/risotto type made up meal Must be saving us some cash.

    Sounds like exams were bearable so very pleased for her.

    Have a good evening all

    X
    Last edited by brizzledfw; 15-05-2017 at 5:41 PM.
    MFiT-T4 Member No. 96 - 2022 is my MF goal
    September '17 Savings Rate Goal: 33% [August 33%]
    Declutter 100 items before 30.09.17 35/100 ** LSDs Target 5 for September 02/05 **AFDs 09/15 ** Sales Target '17 £750 £225 so far
    **NSDs Target 5 for September 01/05 Trying to be a Frugalista
    • brizzledfw
    • By brizzledfw 16th May 17, 7:19 AM
    • 7,071 Posts
    • 34,191 Thanks
    brizzledfw
    So it wasn't a NSD as needed to go to shop for washing powder and necessaries for DD2... but it turned into a very exciting evening!!

    1. Booked a night away in our sanctuary using my Hilton points....can't wait. Still have loads for another one later in year
    2. Used MOVs for my shopping so effectively half price

    AND..best news of all..

    3. Unexpected cheque which means that OH effectively was paid another months salary this year...I am SO delighted. Going against the flights costs immediately. Whole family thrilled at the good fortune.

    The dinner was last night was exceptional. A definite keeper. Will try and post a link if I can.

    Have a good day folks

    Xx
    MFiT-T4 Member No. 96 - 2022 is my MF goal
    September '17 Savings Rate Goal: 33% [August 33%]
    Declutter 100 items before 30.09.17 35/100 ** LSDs Target 5 for September 02/05 **AFDs 09/15 ** Sales Target '17 £750 £225 so far
    **NSDs Target 5 for September 01/05 Trying to be a Frugalista
    • beanielou
    • By beanielou 16th May 17, 9:50 PM
    • 47,208 Posts
    • 169,564 Thanks
    beanielou
    Fantastic news on the cheque
    Lou~ Debt free Wanabe No 55 DF 03/03/14.
    **Credit card debt free 30/06/10~** **Weight loss 2 stone 2 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***
    • please-let-me-be-lucky
    • By please-let-me-be-lucky 16th May 17, 11:03 PM
    • 8,139 Posts
    • 44,996 Thanks
    please-let-me-be-lucky
    Lovely news Xx
    Debts @ LBM £23,729.31. Debts @ 08/04/2016 £0

    NSDs achieved in September- 2/5
    Lbs lost 0/107.
    • poohbear59
    • By poohbear59 17th May 17, 1:13 PM
    • 4,820 Posts
    • 55,723 Thanks
    poohbear59
    Brilliant news. I am delighted for you.
    • brizzledfw
    • By brizzledfw 17th May 17, 3:40 PM
    • 7,071 Posts
    • 34,191 Thanks
    brizzledfw
    it is brilliant news. Thanks everyone. Still hasn't arrived in the account yet, (realise I wrote cheque but technically it was notification of an imminent transfer) but am watching and waiting!!

    Another AFD yesterday.
    MFiT-T4 Member No. 96 - 2022 is my MF goal
    September '17 Savings Rate Goal: 33% [August 33%]
    Declutter 100 items before 30.09.17 35/100 ** LSDs Target 5 for September 02/05 **AFDs 09/15 ** Sales Target '17 £750 £225 so far
    **NSDs Target 5 for September 01/05 Trying to be a Frugalista
    • brizzledfw
    • By brizzledfw 18th May 17, 5:51 PM
    • 7,071 Posts
    • 34,191 Thanks
    brizzledfw
    It arrived

    Pretty much end of my working week which is good news. Hoping for a LSD or even a NSD so long as OH has kept the wallet snapped shut

    LOs for tea and made into a stir fry so easy peasy
    MFiT-T4 Member No. 96 - 2022 is my MF goal
    September '17 Savings Rate Goal: 33% [August 33%]
    Declutter 100 items before 30.09.17 35/100 ** LSDs Target 5 for September 02/05 **AFDs 09/15 ** Sales Target '17 £750 £225 so far
    **NSDs Target 5 for September 01/05 Trying to be a Frugalista
    • Sun Addict
    • By Sun Addict 18th May 17, 8:34 PM
    • 4,246 Posts
    • 23,266 Thanks
    Sun Addict
    Fabulous news Brizzle So pleased for you
    Virtual Sealed Pot £612.20
    September NSD 8/18
    Weight loss 0/7lbs
    Mr SA finally in remission December 2013
    • brizzledfw
    • By brizzledfw 20th May 17, 12:22 AM
    • 7,071 Posts
    • 34,191 Thanks
    brizzledfw
    All good. Away on a cheap weekend with dear friends and grateful for life

    Started reading Tilly's diary from the start, on P. 27!! ,
    have a great weekend folks xx
    MFiT-T4 Member No. 96 - 2022 is my MF goal
    September '17 Savings Rate Goal: 33% [August 33%]
    Declutter 100 items before 30.09.17 35/100 ** LSDs Target 5 for September 02/05 **AFDs 09/15 ** Sales Target '17 £750 £225 so far
    **NSDs Target 5 for September 01/05 Trying to be a Frugalista
    • brizzledfw
    • By brizzledfw 20th May 17, 8:07 PM
    • 7,071 Posts
    • 34,191 Thanks
    brizzledfw
    A NSD!!! Who needs to spend after a joyful day with friends and family
    MFiT-T4 Member No. 96 - 2022 is my MF goal
    September '17 Savings Rate Goal: 33% [August 33%]
    Declutter 100 items before 30.09.17 35/100 ** LSDs Target 5 for September 02/05 **AFDs 09/15 ** Sales Target '17 £750 £225 so far
    **NSDs Target 5 for September 01/05 Trying to be a Frugalista
    • Sun Addict
    • By Sun Addict 20th May 17, 9:50 PM
    • 4,246 Posts
    • 23,266 Thanks
    Sun Addict
    Wow - on a Saturday too - Fabulous
    Virtual Sealed Pot £612.20
    September NSD 8/18
    Weight loss 0/7lbs
    Mr SA finally in remission December 2013
    • Tilly MFW in 6 YRS
    • By Tilly MFW in 6 YRS 21st May 17, 8:30 AM
    • 7,744 Posts
    • 86,419 Thanks
    Tilly MFW in 6 YRS
    OMG Brizzle - there are better cures for insomnia than reading my diary

    Tilly xxxx
    2004 £387k 29 years - MF March 2033
    2011 £309k 10 years - MF March 2021.
    Achieved Goal: 28/08/15
    • jwil
    • By jwil 22nd May 17, 4:02 PM
    • 7,565 Posts
    • 20,966 Thanks
    jwil
    Great news about the extra payment, wow!
    "If you can dream it, you can do it". Walt Disney
    • brizzledfw
    • By brizzledfw 22nd May 17, 5:56 PM
    • 7,071 Posts
    • 34,191 Thanks
    brizzledfw
    It's great. I was ridiculously pleased. Thanks jwil.

    An LSD today and yesterday.. must change my signature. On way home now after a busy day. Pooped and it's only Monday!!
    MFiT-T4 Member No. 96 - 2022 is my MF goal
    September '17 Savings Rate Goal: 33% [August 33%]
    Declutter 100 items before 30.09.17 35/100 ** LSDs Target 5 for September 02/05 **AFDs 09/15 ** Sales Target '17 £750 £225 so far
    **NSDs Target 5 for September 01/05 Trying to be a Frugalista
    • greent
    • By greent 23rd May 17, 7:33 PM
    • 6,194 Posts
    • 62,701 Thanks
    greent
    Great news re the unexpected extra money Your recent posts are extremely positive and upbeat - a joy to read!

    Glad exams are going ok

    I have also started re-reading Tilly's diary!
    x
    I am the master of my fate; I am the captain of my soul
    Repaid mtge early (orig 11/25) Bal 01/09 £124616 01/10 £104927 01/11 £89873 01/12 £76317 01/13 £52546 01/14 £35356 01/15 £12133 07/15 £NIL
    Next: BTL Mtge 12/16 £69786. 2017 OPs (#18) £4151/£3286
    Net sales 2017 £1152.39/£500 PAYDOX17 £11333/£10k Decluttered 1515/2017 items
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