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  • FIRST POST
    • brizzledfw
    • By brizzledfw 5th Jan 12, 3:32 PM
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    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
    July '17 Savings Rate Goal: 33% [June 30%]
    Declutter 100 items before 31.07.17 02/100 ** LSDs Target 10 for July 02/10 **AFDs 19/25 ** Sales Target '17 £750 £140 so far
    **NSDs Target 5 for July 03/05 Trying to be a Frugalista
Page 2
    • brizzledfw
    • By brizzledfw 12th Jan 12, 10:03 PM
    • 6,937 Posts
    • 33,354 Thanks
    brizzledfw
    Hi all

    A quiet day today. Have been working so not much time to post or to think about additional income generation schemes!! But am planning to have a clear plan of action for the next 4 days as not back at work until Tuesday officially ( I am part time but always seem to pick up emails and calls!)

    So, ISA was paid in. Sorry B£itanni3 for worrying you had c8cked up. ( but in my defence sending a cancelled pass book though with no comps slip or note seems a bit sloppy) and I promptly paid £1k against the mortgage. Haven't done apportionment yet. Yep, procrastination..think I need to set myself the goal of having done it by Monday eve..

    Did the small DFW things thread and a PAD. I also made sure Xpensit app was all up to date with our spends. Easy to miss stuff if we're not careful.

    Had a yummy dinner of leftovers. Does the end of some HM ice cream for dessert afterwards count as leftovers???!

    I have done the text and details for listing 16, yes you did read it right, items for EBay. Think will stick with it even though FaceBay seems an interesting new venture on FB and I do so hate that parcelling up, guessing postage nonsense. Quite an achievement. All I need is for OH to take great photos ( that's his speciality ) and we're off. Pity it wasn't in the free listing weekend but oh well.

    2 girls, friends of my DDs, coming over for a sleepover on Saturday. Good excuse for pancakes on the Sunday and then an allotment excursion I think. Blow the cobwebs away...the girls can even shelter in the shed if it rains! i also joined a sustainability forum..a new forum..where on earth will I fit that in??!

    OH has been cleaning the car for what seemed all day, he spent hours on it as he is determined to get as much as we can for it. Sometimes he truly does excel himself!! ( not always though!!)

    The DDs havent even asked about where the breakfast cereal is yet so maybe we can cut it out of the budget more easily than I thought but then again it may have been that their dad has cooked them a cooked breakfast 2 days running this week!!

    And..finally..have been thinking more about why I get into debt ( as it usually me that's the spender) I think some of it is that my parents struggled for money and I don't want to have that life for my OH and DDS. But thinking rationally, we would hardly be on the breadline and we would be teaching them good lessons and values for their future lives. At the moment what we are teaching them about money is not good, they think it is on tap whenever we/they need it. They worry about being poor without really realising how 98% of the planet live..well it's all upside down really.

    So..whatever my baggage, if only for them I need to make this DFW and newly responsible lifestyle where I am accountable for my spending a permanent change and an integral part of my life. It can't, it just can't be temporary.

    Have a good evening guys

    Brizzle
    Last edited by brizzledfw; 12-01-2012 at 10:10 PM.
    MFiT-T4 Member No. 96 - 2022 is my MF goal
    July '17 Savings Rate Goal: 33% [June 30%]
    Declutter 100 items before 31.07.17 02/100 ** LSDs Target 10 for July 02/10 **AFDs 19/25 ** Sales Target '17 £750 £140 so far
    **NSDs Target 5 for July 03/05 Trying to be a Frugalista
    • jwil
    • By jwil 13th Jan 12, 7:15 AM
    • 7,445 Posts
    • 20,391 Thanks
    jwil
    I'm on Somerset Facebay and it's pretty busy. I think though, that although ebay is a faff and a pain, you can't knock the fact that you have a worldwide audience and you won't get that many places. I think I might use Facebay if I ever have something bulky though.

    Good luck with your listings! I'm planning on digging some stuff out over the weekend too.
    "If you can dream it, you can do it". Walt Disney
    • satchmo1
    • By satchmo1 13th Jan 12, 7:58 AM
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    satchmo1
    Hi Brizzle

    *subscribed* Good luck with your DF journey! Clearing your Co-*p cc should be first target, so chuck the ISA pot at that, before any extra mortgage overpayments You can resume mortgage overpayments once all the cc card debt and the OD is cleared.

    Then try to get into the habit of asking if you "need" rather than "want" anything you are considering buying. Sounds like you have been succumbing to thinking you work hard so you deserve it school of thought. But does that purchase make the pain of the current debt worthwhile?

    I
    • brizzledfw
    • By brizzledfw 13th Jan 12, 10:15 AM
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    • 33,354 Thanks
    brizzledfw
    Wise words Satchmo1.. I know that's what I should do..I just love seeing the OP pot on the mortgage grow. Big numbers I guess, makes me feel better..but you're right. Will get a balance on the C@op card ( have been doing lots of PADs so want to just check and not overpay) and then pay the total amount across. Too blooming high an interest rate as well. I got loads of loyalty points which I exchanged for cash and shopping but that was only good when I actually paid it all off each month...that slipped and then it's just a millstone around our necks.

    Thanks for subscribing and dropping by. Have set out a few goals in the small DFW things thread but then went back to bed for a sneaky read of the newspapers online..haven't surfaced again yet, tut tut

    So need to get going! Byeee for now
    MFiT-T4 Member No. 96 - 2022 is my MF goal
    July '17 Savings Rate Goal: 33% [June 30%]
    Declutter 100 items before 31.07.17 02/100 ** LSDs Target 10 for July 02/10 **AFDs 19/25 ** Sales Target '17 £750 £140 so far
    **NSDs Target 5 for July 03/05 Trying to be a Frugalista
    • DedicatedDFW
    • By DedicatedDFW 13th Jan 12, 2:36 PM
    • 4,234 Posts
    • 13,906 Thanks
    DedicatedDFW
    Hi brizzle and everyone

    I must say brizzle your weekend plans sound lovely - pancakes and allotment - my aim is to eventually be able to move house and have a garden big enough for some raised beds - its nigh on impossible to get an allotment round here - even though some people have several - and the ease of having it all on my doorstep will help though i'll miss having the neighbourlyness of a proper allotment

    Looking forward to hear your plans for reducing debt and growing income
    CC1:T £2531 £1460
    MORTGAGE OVERPAYMENTS: £10575.20 Target £12,100
    MF Date: August 2042 May 2035
    Declutter 1000 things by Xmas 2015! 53/1000
    • PinotGrigio41
    • By PinotGrigio41 13th Jan 12, 4:07 PM
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    PinotGrigio41
    Ooh pancakes on Sunday sound lovely !! Funnily enough I always make them for the girls after sleepovers ! Had a disaster a few years ago as I managed to flip the pancakes along with a load of hot oil and burnt my arm very badly .The plan was to take the girls all to the movies after pancakes and not wanting to upset them by going to hospital ,I decided to try and self remedy. An aloe Vera plant a friends mum had given me was duly shoved in my handbag to slap on during the movies if needed ( I have a tendency to burn myself) and a cold soggy tea towel was wrapped around my arm to stop the burning. It didnt help so in a panic I grabbed one of those foil wine jackets from the freezer and slid that onto my arm and went to the cinema with four very embarrassed girls and a wine cooler on my arm! Stupid fool that I am didnt think that the frozen cooler may then get stuck to my arm and cause even more damage ! I still have the scars to tell the tale !

    Hope you get some rest on Saturday night with the sleepover and enjoy your weekend x
    LBM July 2011 - Finally took control Nov 2011 DFD Sometime in the distant future !
    Total debts Nov 2011 £96796.75
    Total Debts JUL 2017 £33762.35
    Cleared JUL 2017 £63034.40

    Emergency Fund / Rainy Day - £3500.00 . DMP Mutual Support Thread 428
    • brizzledfw
    • By brizzledfw 14th Jan 12, 8:03 PM
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    brizzledfw
    Hi all

    PG, that's horrid. I can sympathise. Had serious burn on my arms about 10 years ago from an exploding cafetiere, it shattered as I pushed the plunger.. still have the scars although less noticeable and tend to forget they are there. Luckily the face and upper chest healed very well ( with lavender oil, vitamin E capsules opened and smeared on it and loads of cold compresses) but was at the burn clinic for months afterwards. Kinda scary. I am always wary of plunging those things now! (sorry to hear about the wine cooler though..I would have thought that would have worked too!)

    Allotments are great. There is a huge queue at our site but we were lucky and also took on a complete nightmare one that no one else wanted, it was full of brambles. DDFW you could ask and see what's on offer, you might be surprised. (MSE style we also got offered a reduced rent for a period too.. hmm. Must check if that deal goes into this year ) OH has been great at clearing it and it's great fun even though we don't make as much use of it as we should..it's a bit of a flurry in the spring and then other things get in the way and we don't go there for weeks. But it's worth it, even just for salad, potatoes, apples, soft fruit. Mixed results with sweet corn and strawberries but raspberries and blackberries ( we left a few!) more than make up for it. We have also planted some fruit trees so hopeful for the future for those.

    Good day yesterday.. I took up stachmo1's advice...don't tell anyone who knows me in 'real life!'...but I needed someone to tell me to do the sensible thing... And then I obediently do it!.. if left to myself well I wouldn't! So have updated sig accordingly and am pleased to report that I have cleared the OD and the nasty high interest CC. Real shame though that it's not from MSE and cutting back..but oh well this new life can be used to make savings that will go against the 0% ones..Just because they are zero percent I must not forget they are there..it's a breathing space Brizzle..NOT free money...

    I also made HM pizza and a batch of spag Bol sauce for lasagne today and for Monday. washing went on dryers and all that sort of thing. Even used the washing balls which I don't really get on with so as not to go and spend in the usual sm.. Currently I am soaking some newspapers to try out the log maker.

    I did have a glass of wine with a friend in the pub before collecting the kids from school yesterday but that was my only vice( how many of my vices revolve around alcohol..it's a wee bit worrying at least I do have 2 days free each week, well most weeks

    Today tried AL@I. Think it's worth it. Stuck to a list and it came to £36 which is probably at least £10 less than the usual sm. So will be returning. Also it's on the way back from taking DDs to swimming so no extra petrol.

    The low point today was OH spending £50 on hats...lord £50 it's incredible. Well he wears them so we can turn the heating down more etc and he doesnt often lose them but £50. As someone said on the small dfw things thread he needs to stop losing them...well I second that! I had a plan for a budget of £100 for O&S this weekend, groceries, extra meat for guests tomorrow, allotment rent, DVD hire. Well he blew that...so onwards and upwards. And he won't be doing it again

    Currently have switched off heating and only heating one room..the front room with the wood burner in it. We can do this.. after all we managed to not switch the heating on at all until 5 December this year. Also its not costing us anything as alll winter we have been burning free wood from a neighbour who has done a loft conversion. Rafters etc. any old stuff. Am sure it will tar the chimney but oh well we will just get it swept regularly. I do love having a stove. It was a treat this year but one, together with the solar panels, that has enabled us to be frugal and save money in other ways..spend to save perhaps Obviously being able to go without heating in a draughty house mainly due to the warm weather but even so am sure it was one of the reasons our gas DD s dropped by £20 pm and we got a £300 refund about 2 months ago. Went somewhere into the depths of the current account/OD...I got my second LBM moment just a bit too late.. but I comfort myself that it must have helped with Xmas

    Next week OH loses his extra day a week OT. But...on balance I'll be pleased. We could make good use of the money but it's better to have him doing stuff at the moment. Like my eBay ....he hasn't done the photos yet but he has been helping on other chores around the house..so shouldn't grumble

    Anyway that's it for now. Will catch up on other diaries tomorrow..have a great weekend everyone!!
    Last edited by brizzledfw; 14-01-2012 at 8:29 PM. Reason: Typos galore!!
    MFiT-T4 Member No. 96 - 2022 is my MF goal
    July '17 Savings Rate Goal: 33% [June 30%]
    Declutter 100 items before 31.07.17 02/100 ** LSDs Target 10 for July 02/10 **AFDs 19/25 ** Sales Target '17 £750 £140 so far
    **NSDs Target 5 for July 03/05 Trying to be a Frugalista
    • brizzledfw
    • By brizzledfw 14th Jan 12, 8:35 PM
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    brizzledfw
    PS sorry for long long post...hope you managed to get through it!!

    Was also going to mention that my DDs sometimes surprise me..I said this morning that I wasn't prepared to buy any more tres expensive special K cereal..which they love. DD1 then replied that perhaps we could just have it as 'Sunday cereal' like one of her friends does. Basically they can have their favourite cereal on Sundays and no other day so it lasts longer ( and presumably they appreciate it as a treat too). Great idea and when the packets in the store cupboard are gone that's what we will do..

    Very pleased she came up with it and thanks to her friend bringing up some great MSE ideas..may have to ask for some more! Maybe she is on here...and I just dont know!!
    MFiT-T4 Member No. 96 - 2022 is my MF goal
    July '17 Savings Rate Goal: 33% [June 30%]
    Declutter 100 items before 31.07.17 02/100 ** LSDs Target 10 for July 02/10 **AFDs 19/25 ** Sales Target '17 £750 £140 so far
    **NSDs Target 5 for July 03/05 Trying to be a Frugalista
    • satchmo1
    • By satchmo1 14th Jan 12, 11:08 PM
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    satchmo1
    Well done on the progress so far, although it doesn't sound like OH has had his lightbulb moment yet! I was thinking about it this afternoon and how he had done cooked breakfasts for DDs twice this week... not really cheaper than the expensive cereal tho???

    As someone else says on another diary, baby steps, and in the right direction. Great stuff.

    I'm flattered that you took my advice, thanks! I have gone from a massive on paper income to counting every penny and still not covering the cost of loo rolls, and now I'm in a good financial place. It means I can empathise

    Hugs, Satchmo x
    • brizzledfw
    • By brizzledfw 15th Jan 12, 9:14 AM
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    brizzledfw
    Satchmo1 Ah interesting about what you say about high paper income...it seems that way in the Brizzle household too. Where does it all go? Any tips for how you got from there to here and the hallowed ground of a 'good financial place'?! Would love to hear.

    Hope all are having a good weekend

    Work up this morning having a quick panic today about the tax people asking me to complete a self assessment for last year. Completely out of the blue as have always been employed, pay PAYE etc, no second jobs or pension etc. also not sure I have all my pay slips or even a P60 which I had meant to chase anyway as it was all online at my last place and I can't remember if I printed them off...does anyone kow if I write to them do they have to issue duplicates or print them off for me??
    MFiT-T4 Member No. 96 - 2022 is my MF goal
    July '17 Savings Rate Goal: 33% [June 30%]
    Declutter 100 items before 31.07.17 02/100 ** LSDs Target 10 for July 02/10 **AFDs 19/25 ** Sales Target '17 £750 £140 so far
    **NSDs Target 5 for July 03/05 Trying to be a Frugalista
    • debtfreewannabe321
    • By debtfreewannabe321 15th Jan 12, 9:45 AM
    • 6,624 Posts
    • 22,333 Thanks
    debtfreewannabe321
    m0rning brizzled have seen you on other diaries so settled down with a cuppa to read yours this morning

    Well done on the second LBM ( i think i had one or two before it switched on fully lol)

    Sorry i can't be of any help on the tax question...hope you sort it out

    Have you tried ald* or L*dl for their cereals? My son loves cheerios but i've always grumbled about the price (he can eat half a box in one sitting) and i found one in ald* that tastes almost identical and is even in the same sort of box ...you may be able to find one similar to special K

    have a great sunday and i will subscribe to see how you're getting on, dfw x
    2015 Goals:-#1 419.26/1000 (Emergency..target #1) 41.93% , #2- 14,010.70/15,000 (new house) 93.4% #3 395.07/1000 (Rental house fund target #1) 39.5% .
    Aim High!
    Debt-Free in 2013. Saving for a better future
    • satchmo1
    • By satchmo1 15th Jan 12, 10:38 AM
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    satchmo1
    Hi Brizzled

    Challenge the request for a self assessment, I used to have to submit tax returns years after I finished being self employed, then got fed up and rang HMRC and asked why
    • satchmo1
    • By satchmo1 15th Jan 12, 10:54 AM
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    • 12,324 Thanks
    satchmo1
    Sorry, I'm struggling with a tiny keyboard and seem to keep posting before I've finished my message... anyway, I rang HMRC to ask why I needed to send a self assessment Partnership form when I had written on each form that I hadn't been a partner for 5 years. The response was "oh, ok, fill it in this year, then we won't send a request next year".

    In terms of how did I get to my current financial good place? Questioned myself once, twice and a third time whenever I "needed" to buy anything (everything). Did I really need to top up my PAYG mobile by £15 this month, could I manage with £10 (yes), did I really need toothpaste this week could I squeeze the tube a bit harder and last till next week (usually). Drove at 55mph instead of 70 on motorways. Parked nearest the works car park exit to use less petrol. Used cashback sites, after triple checking who was cheapest for utilities/insurance etc. Did no-spend click-throughs to build up enough points to redeem on vouchers for gifts. There's another diary on here from Hypno who was an inspiration - from the early days of her debts - thanks Hypno, I don't think you realise how many people you helped!

    Sadly, when I was at the most difficult stage of my financial journey, MSE didn't exist.

    If you can bear to post an SOA (statement of affairs) of your income and expenditure, you'll get a huge amount of realistic advice on here, and no-body will judge you - just your purchases LOL. There are also guides on here that will help you introduce some frugality to your grocery shopping, which is an area where forward planning can bring big savings.

    Wishing you good luck, hugs and support. Satchmo x
    • brizzledfw
    • By brizzledfw 16th Jan 12, 10:04 AM
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    brizzledfw
    Thanks guys

    Satchmo1.. All those little things add up to a change in lifestyle hey. Think thats the way we need to go. The discipline ( and fun!) of being on these forums has helped me so far over the last fortnight too..keeps me focussed which is half the battle.

    I will ask HMRC why and see what they say. Thanks for that. Just a bore and another job to do! And yes, a SOA..that feels like a full confession. So I am gearing up to that but think I have to...it's an important stage of my journey to financial independence. Grocery shopping and holidays I reckon are the key ares but scrutiny of our spend diaries for the last year would tell me a lot I think..

    DFW321thanks for dropping in. Good to see you ( hey new milestone in my MSE life .have found the extra smilies!!) I will indeed try AL@I cereals for the Sunday cereal..DD2 had porridge this morning and DD1 had toast. No complaints. And cat loves the AL@I food too..so we're all happy

    Today I have some work to do so that needs to be done. Dinner is ekeing out the leftover mince with some leftover rice for DDs. Me and OH are having pies and mash from the freezer..yum. So a NSD for me altho OH has a spend he has told me about. He has his packed lunch though..as usual. He's pretty consistent about that.

    I have been thinking about LBM moments. Agree OH has not had his. He is ignoring much of what's on this site to be honest. Not in terms of not trying to spend less and hes the one who keeps a record of every spend we make but he doesn't read it for ideas or post or anything. That's a way off I think. I plan to curb my own ways first..I am probably the bigger spender ( was not any more I hope) anyway. Then I can talk to him about it from a better position..

    Have a great day guys, here's to a good MSE week for us all!

    Brizzle
    Last edited by brizzledfw; 16-01-2012 at 10:11 AM.
    MFiT-T4 Member No. 96 - 2022 is my MF goal
    July '17 Savings Rate Goal: 33% [June 30%]
    Declutter 100 items before 31.07.17 02/100 ** LSDs Target 10 for July 02/10 **AFDs 19/25 ** Sales Target '17 £750 £140 so far
    **NSDs Target 5 for July 03/05 Trying to be a Frugalista
    • brizzledfw
    • By brizzledfw 16th Jan 12, 10:08 AM
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    • 33,354 Thanks
    brizzledfw
    PS Hypno is an inspiration isn't she. And has been through a lot as well as the debt. A hero in the world of MSE! Haven't read her posts for ages. Mrsmrc (sp?) was another I loved reading but I thnk she cleared her debts and moved abroad...not sure she has a diary about life on the other side
    MFiT-T4 Member No. 96 - 2022 is my MF goal
    July '17 Savings Rate Goal: 33% [June 30%]
    Declutter 100 items before 31.07.17 02/100 ** LSDs Target 10 for July 02/10 **AFDs 19/25 ** Sales Target '17 £750 £140 so far
    **NSDs Target 5 for July 03/05 Trying to be a Frugalista
    • debtfreewannabe321
    • By debtfreewannabe321 16th Jan 12, 10:33 AM
    • 6,624 Posts
    • 22,333 Thanks
    debtfreewannabe321
    PS Hypno is an inspiration isn't she. And has been through a lot as well as the debt. A hero in the world of MSE! Haven't read her posts for ages. Mrsmrc (sp?) was another I loved reading but I thnk she cleared her debts and moved abroad...not sure she has a diary about life on the other side
    Originally posted by brizzledfw
    i also read Mrsmrc's diary and she was still in debt when i started it, by the time i finished it she was moving abroad to switzerland i think ??? and had paid off all her debts i will look for hypno's diary now, instead of reading books (which cost me money) i just settle down to a diary instead full of mse info & a great read too
    2015 Goals:-#1 419.26/1000 (Emergency..target #1) 41.93% , #2- 14,010.70/15,000 (new house) 93.4% #3 395.07/1000 (Rental house fund target #1) 39.5% .
    Aim High!
    Debt-Free in 2013. Saving for a better future
    • PinotGrigio41
    • By PinotGrigio41 16th Jan 12, 12:30 PM
    • 4,145 Posts
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    PinotGrigio41
    I havent read either of those diaries, but intend to now. Trouble is I keep subscribing for all sorts of things, but there really arent enough hours in the day to read and reply !

    Did the girls enjoy the pancakes on Sunday brizzled or didnt you make them in the end ?

    Re HMRC, we are having the same problem , they are still sending us self assesement forms / reminders but we havent been self employed for 2 years , as the business is now a Ltd Company. I'm sure they send them just to wind me up , as if we havent got enough to do !
    LBM July 2011 - Finally took control Nov 2011 DFD Sometime in the distant future !
    Total debts Nov 2011 £96796.75
    Total Debts JUL 2017 £33762.35
    Cleared JUL 2017 £63034.40

    Emergency Fund / Rainy Day - £3500.00 . DMP Mutual Support Thread 428
    • brizzledfw
    • By brizzledfw 16th Jan 12, 1:09 PM
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    brizzledfw
    Hi Mrs PG that's interesting about HMRC..you're right. It's just another thing to do. I am however now planning to try and use it to my advantage (if I don't challenge) as my last job had my workplace as my house and I have some pension contributions which I didn't claim HR tax relief on etc etc. so I think I will see if I can make some back!

    The pancakes were yummy ...Jamie Oliver's recipe with egg whites yum yum.

    Must dash now. Speak more soon
    MFiT-T4 Member No. 96 - 2022 is my MF goal
    July '17 Savings Rate Goal: 33% [June 30%]
    Declutter 100 items before 31.07.17 02/100 ** LSDs Target 10 for July 02/10 **AFDs 19/25 ** Sales Target '17 £750 £140 so far
    **NSDs Target 5 for July 03/05 Trying to be a Frugalista
    • DedicatedDFW
    • By DedicatedDFW 16th Jan 12, 1:42 PM
    • 4,234 Posts
    • 13,906 Thanks
    DedicatedDFW
    Hi all

    brizzle - huge congrats on paying off those 2 debts - that must feel fab!

    I think even now there are things that i can improve upon - satchmo - some excellent ideas posted there , thank you Like last week i ran out of the little notepads i use for shopping lists, notes etc. Had got a few letters in so tore the envelopes up to use as paper for this instead
    CC1:T £2531 £1460
    MORTGAGE OVERPAYMENTS: £10575.20 Target £12,100
    MF Date: August 2042 May 2035
    Declutter 1000 things by Xmas 2015! 53/1000
    • brizzledfw
    • By brizzledfw 16th Jan 12, 3:36 PM
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    brizzledfw
    Hi

    My mum and grandma always used to have a pile of scrap paper and envelopes by the phone. My mum still does actually and the kids love raiding it for crafty activities the minute they get to her house. They also used sticky labels...what did we call them..can't remember...so every envelope was reused. Green and MSE I guess. Frugal all the way.

    So I have reused some envelopes today. i did my claim form! Yay! OH will photocopy it for me and then it can be posted. Put rest of envelopes in recycling! (But probably could have used some for the paper log maker. They are fairly damp still but I think its something we will persevere with ) we always use them to line my food kitchen caddy thing.

    Have HM potato and leek soup on now in order to make the main stretch further.. Another of my grandmas tricks. Must cast my mind back to think of some more. That generation knew about being frugal alright. Her mum was separated from her dad and if his cheque ( he provided some support) was late and they were then late with the rent they used to have to hide under the table until the bailiffs went! Scary stuff for a lil un.

    Cheers all x
    Last edited by brizzledfw; 16-01-2012 at 3:56 PM.
    MFiT-T4 Member No. 96 - 2022 is my MF goal
    July '17 Savings Rate Goal: 33% [June 30%]
    Declutter 100 items before 31.07.17 02/100 ** LSDs Target 10 for July 02/10 **AFDs 19/25 ** Sales Target '17 £750 £140 so far
    **NSDs Target 5 for July 03/05 Trying to be a Frugalista
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