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  • FIRST POST
    • brizzledfw
    • By brizzledfw 5th Jan 12, 3:32 PM
    • 6,293Posts
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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
    New debt: £10,000 0% ;
    Declutter 50 items before 31.12.16 xx/50 ** LSDs Target 10 for December xx/10 **AFDs xx/17
    **NSDs Target 6 for December xx/6
Page 177
    • brizzledfw
    • By brizzledfw 26th Sep 16, 8:21 PM
    • 6,293 Posts
    • 29,979 Thanks
    brizzledfw
    That'd be funny One of my friends who is a jeweller, actually makes me 3 if I buy a set

    Happy Birthday to your DS

    A good day today. Braved the bus and it worked a dream (huge surprise!) so am risking it again tomorrow

    1 item (knackered candle) decluttered... and also a NSD so can update my sig. I also managed a fast day. Go me. Drank lots of water and black coffee and somehow survived
    MFiT-T4 Member No. 96 - 2022 is my MF goal
    New debt: £10,000 0% ;
    Declutter 50 items before 31.12.16 xx/50 ** LSDs Target 10 for December xx/10 **AFDs xx/17
    **NSDs Target 6 for December xx/6
    • Sun Addict
    • By Sun Addict 26th Sep 16, 8:54 PM
    • 3,268 Posts
    • 16,430 Thanks
    Sun Addict
    Where do you get rid of your jewellery Brizzle. I have some broken/no longer worn items that I could do with getting rid of.

    Sounds like you're back on track
    Debt free date 31/01/15
    Virtual Sealed Pot £295.11
    Weight loss 9.5/14
    Mr SA finally in remission December 2013
    • brizzledfw
    • By brizzledfw 27th Sep 16, 6:16 PM
    • 6,293 Posts
    • 29,979 Thanks
    brizzledfw
    Thanks SA - I certainly feel feisty about killing off all the debt! And getting rid of the mortgage

    Most of mine is limited value as its costume jewellery so it's going to the CS. But if yours is precious metal can you weigh and send off to a specialist? I think the return can be quite good from what I have read on these threads in the past.

    Another good day at work. It'll be a long week but it's going well and I am looking forward to a glass of vino. OH leaves tomorrow tho so wont all be plain sailing I am sure

    TTs done. A NSD day too
    MFiT-T4 Member No. 96 - 2022 is my MF goal
    New debt: £10,000 0% ;
    Declutter 50 items before 31.12.16 xx/50 ** LSDs Target 10 for December xx/10 **AFDs xx/17
    **NSDs Target 6 for December xx/6
    • Seasidegal58
    • By Seasidegal58 27th Sep 16, 11:10 PM
    • 495 Posts
    • 2,473 Thanks
    Seasidegal58
    Hi brizzle
    Have just been reading through your diary from beginning of the year and really enjoyed it. It has also made me very hungry! Lovely food you serve at your house! You amaze me with how much you get done!
    Re jewellery - a few months ago my sister sorted out her "old" gold - she took it around to A few local jewellers and found there was quite a difference between them on what they were prepared to offer. Might be worth a trawl around!
    Finally Debt Free! - July 2016
    Scrimpy Goal - Emergency Fund - £10,000
    Currently: £6027.22 (25/11/2016)

    My debt free diary - " Paid off the £31,000 - BUT still scrimping!"

    NST: December 2016- NSDs: 1/15
    • beanielou
    • By beanielou 28th Sep 16, 7:40 AM
    • 44,857 Posts
    • 155,428 Thanks
    beanielou
    A few moons ago I paid for a flight to France with my no longer wanted stuff. Sold it by post to a firm in Hatton Garden recommended on u MSE!
    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***
    • Sun Addict
    • By Sun Addict 28th Sep 16, 3:56 PM
    • 3,268 Posts
    • 16,430 Thanks
    Sun Addict
    Thanks for the tip Beanie - will have a look when I get back from holiday. I've got a fair bit of gold jewellery I no longer wear because I've gone off it.
    Debt free date 31/01/15
    Virtual Sealed Pot £295.11
    Weight loss 9.5/14
    Mr SA finally in remission December 2013
    • brizzledfw
    • By brizzledfw 28th Sep 16, 9:26 PM
    • 6,293 Posts
    • 29,979 Thanks
    brizzledfw
    Thanks seasidegal..very sweet of you to say. We do like food..and debt busting and most of the time we do stick to it..but that's not to say that we don't eat (and drink!) quite a bit. Our grocery bills are fairly huge and despite our buying organic local meat etc, organic local fish and veg...etc etc. which we are determined not to compromise on, we do also just buy a lot quantity wise.

    We fed our lodger organic roast chicken pieces and a scrummy watercress, tahini quinoa salad today..he loved the chicken..but believe he will take more time to get used to quinoa We tried him with a mussel a few days ago..that was also a miss, bless him DD1 made dinner btw..bless her, it was amazing...

    It was a NSD day today!! Whoop whoop...think I am met my monthly target for the first time in well, forever. If I can find 8 more items to declutter I will have a full house target wise...must scout around tomorrow

    SA..hope you get to sell the old jewellery for a handsome profit. Need to realise those assets

    A good day. Busy few days ahead, but working from home which will be a lot less stressful.

    Hope everyone is well.

    Over and out

    Brizzle xxxxx
    Last edited by brizzledfw; 29-09-2016 at 8:44 AM.
    MFiT-T4 Member No. 96 - 2022 is my MF goal
    New debt: £10,000 0% ;
    Declutter 50 items before 31.12.16 xx/50 ** LSDs Target 10 for December xx/10 **AFDs xx/17
    **NSDs Target 6 for December xx/6
    • brizzledfw
    • By brizzledfw 29th Sep 16, 8:44 AM
    • 6,293 Posts
    • 29,979 Thanks
    brizzledfw
    Found a pair of football boots that we tried to sell on EBay but they didn't go....they are now in hall ready to go to CS.

    7 items to go, but work and coffee are calling first!
    MFiT-T4 Member No. 96 - 2022 is my MF goal
    New debt: £10,000 0% ;
    Declutter 50 items before 31.12.16 xx/50 ** LSDs Target 10 for December xx/10 **AFDs xx/17
    **NSDs Target 6 for December xx/6
    • brizzledfw
    • By brizzledfw 1st Oct 16, 12:16 PM
    • 6,293 Posts
    • 29,979 Thanks
    brizzledfw
    And so it remained at 7 items below my target..but could have been worse...

    Work is full on so I am juggling that as well as hosting 2 teenagers for the weekend, no OH and the usual stuff around my 2. But so far all going well. Lots of headaches from stress and hormones but bit calmer today.

    MSE it's a new month so plans for the month are:

    - 5:2 at least one day a week, probably Mondays
    - YNAB is all up to date
    - new targets set for NSDs, sales and decluttering -6, £100 and 50 respectively which will be hard but if I don't try...etc etc
    - screen time is as excessive as ever...but currently reading the Recovering Spender in front of the fire with DD1 on the Xbox...so not all bad
    - meal planning is going very well, everyone eating pretty much everything. Sunday lunch tomorrow...have a nice joint of beef which will leave plenty of leftovers too for maybe cottage pie? DD1 has agreed to take the lead whilst I work
    - have set up the pension and ISA DD again which feels good. I also 'discovered' a pension pot I didn't realise I still and, so have asked for that to be transferred to my main HL platform..it'll increase my base SIPP by c.20% so that's pretty welcome. I am already thinking of using some of it to dabble in some shares a la SF's Frugal Cottage blog. Will keep you posted.
    - doing TTs every day.
    - piece of household maintenance that's been overdue for about 15 years is on its way to being resolved. Will cost £350 odd but will be worth it and just about have enough in the reserve to pay for it.
    - ordered an M&S voucher from Bounts. Know there's been a bit of bad press recently but if I get £25 for the price of £20 I'll be happy and will use for school uniforms or Xmas
    - DD2 has reluctantly accepted a permanent paper round...I think she knows she needs the money, but not all too keen re an early start at the weekend...but have assured her we will help where we can. She likes having cash and we won't increase her pocket money (to be fair she hasn't asked) so she really needs to get creative.

    Hope everyone has a nice weekend and the sun shines for you

    Xx
    Last edited by brizzledfw; 01-10-2016 at 12:30 PM.
    MFiT-T4 Member No. 96 - 2022 is my MF goal
    New debt: £10,000 0% ;
    Declutter 50 items before 31.12.16 xx/50 ** LSDs Target 10 for December xx/10 **AFDs xx/17
    **NSDs Target 6 for December xx/6
    • Moneyfordreams
    • By Moneyfordreams 1st Oct 16, 5:34 PM
    • 646 Posts
    • 3,044 Thanks
    Moneyfordreams
    Hope your DD's party went well and you had no surprises

    You are super organised. I've done a bit of decluttering today, but you put me to shame :/
    Mortgage Feb '13 £200000, end 2038. Aiming for before March 2025 (crunched to 2034)
    January 16 £182800 : minimum £360 OP but needs to be £600 to achieve 2025
    Current mortgage £168060
    Car loan finished oct 16
    h@lifax CC £5360 0% until May 2018.. will pay minimum for now, slow stooze
    • Tilly MFW in 6 YRS
    • By Tilly MFW in 6 YRS 2nd Oct 16, 8:37 AM
    • 7,603 Posts
    • 84,964 Thanks
    Tilly MFW in 6 YRS
    Morning Brizzle, sounds like you've got a lot on. Big cheer to DD1 sounds like she's a whiz in the kitchen.

    I haven't had mussels for years - love them but only I eat them. Really want to have some now

    Enjoy your beef, Tilly xxxx
    2004 £387k 29 years - MF March 2033 2011 £309k 10 years - MF March 2021.
    Goal: 28/08/15
    • brizzledfw
    • By brizzledfw 3rd Oct 16, 10:56 PM
    • 6,293 Posts
    • 29,979 Thanks
    brizzledfw
    Thanks Tilly, the beef was lush and the LOs have just been made into 2 cottage pies. One for tomorrow and one for the freezer.

    It sounds like a party MfD..but actually it was my third job! ...boarding house is what my DD2 calls it.. I had another overseas teenager over who was on leave from his school. He was very sweet but the timing has been a little mad...OH away and me left with a full on work weekend with 4 teenagers..but you gotta laugh and the two extras paid me...my own two clearly don't measure up on that score

    Today was a good day. Got home early (although was in at dawn).. Which made a difference to my evening. Did invoices. Made cottage pies. Cleaned kitchen twice, kids did laundry and DD1 made dinner. Charged phones in car and at work. Did a full summary of my assets and debts.. At least the former outweighs the latter but gawd it's hard seeing the mortgage, tax bills etc. A sombre but necessary exercise in transparency.

    Laptop playing up again. It's an Apple so should be solid. Have sent a What's App to OH asking what he did last time to kick it into life, otherwise it's an expensive repair job I guess...

    Reading Recovering Spender has been good. Quite American but a few hints/nudges which I plan to use.

    Left lunch at home..doh...so had to buy one. Oh well it happens I guess.

    Hope everyone's start to the week was bearable

    Xx
    Last edited by brizzledfw; 03-10-2016 at 11:00 PM.
    MFiT-T4 Member No. 96 - 2022 is my MF goal
    New debt: £10,000 0% ;
    Declutter 50 items before 31.12.16 xx/50 ** LSDs Target 10 for December xx/10 **AFDs xx/17
    **NSDs Target 6 for December xx/6
    • brizzledfw
    • By brizzledfw 5th Oct 16, 10:20 AM
    • 6,293 Posts
    • 29,979 Thanks
    brizzledfw
    Had to dole out dinner money for girls on Monday but yesterday was a NSD. Whoop! Today need to buy some basil for tea. Should try and grow it again, but rarely manage to keep it alive in my house. Won't be a NSD but v small spend.

    Have put 2 items aside for the CS so I am at least on the board for that target

    Very busy in RL but all good. Hope everyone is well

    Brizzle xx
    Last edited by brizzledfw; 05-10-2016 at 10:00 PM.
    MFiT-T4 Member No. 96 - 2022 is my MF goal
    New debt: £10,000 0% ;
    Declutter 50 items before 31.12.16 xx/50 ** LSDs Target 10 for December xx/10 **AFDs xx/17
    **NSDs Target 6 for December xx/6
    • doingitanyway
    • By doingitanyway 6th Oct 16, 7:57 PM
    • 1,034 Posts
    • 4,217 Thanks
    doingitanyway
    We fed our lodger organic roast chicken pieces and a scrummy watercress, tahini quinoa salad today..he loved the chicken..but believe he will take more time to get used to quinoa
    Originally posted by brizzledfw
    You are doing great with the decluttering and there are some seriously lovely meals happening at your house. Lucky lodger
    JANUARY 2016/SECURED DEBT=23,322/OCTOBER 2016=15,327 or 34.5% PAID
    MORTGAGE FREE 25/07/16
    • Seasidegal58
    • By Seasidegal58 7th Oct 16, 9:39 PM
    • 495 Posts
    • 2,473 Thanks
    Seasidegal58
    I still think it's quite awe inspiring how much you get done! Your daughters sound lovely and a great help to you.

    You mention The Recovering Spender - I'm intrigued - is it a book or a blog?
    Finally Debt Free! - July 2016
    Scrimpy Goal - Emergency Fund - £10,000
    Currently: £6027.22 (25/11/2016)

    My debt free diary - " Paid off the £31,000 - BUT still scrimping!"

    NST: December 2016- NSDs: 1/15
    • brizzledfw
    • By brizzledfw 8th Oct 16, 7:53 AM
    • 6,293 Posts
    • 29,979 Thanks
    brizzledfw
    Thanks guys for your support...

    A nice end to the week as I have just been able to focus on domestic stuff and not juggling paid work as well..

    - have listed some items on EBay. What do people think about posting overseas? Maybe I will just get a RM price, but I am always nervous.
    - meal planning is still working really well. Need to do next week now using the freezer as much as possible. I do it a week at a time.
    - my pension came through really quickly. Amazed. And have invested it again, and made my first real foray into shares! Blimey. Feels like quite a step. Have invested some in a well known retail consumer brand, partly cos it's run well I think (and by a woman) and also made sure I have enough for a few freebies, which will be nice, to get a shareholder's discount card. I also topped up some bank shares..which promptly plummeted...so you can guess who that was yesterday Oh well, it's for the long term!
    - making TTs calmly and regularly and YNAB is going well. Will have a spendy afternoon today as DD2 needs an outfit for a one off event. We left it too late so can't do EBay..but will try and keep the spend in resistance bounds.
    - no 5:2 this week...must try harder.
    - some bus dev done....and planning more next week, have some meetings set up for that purpose, so that's a start..talking to people about different opportunities...funny that
    - hens still laying well, and I am enjoying the weather. All the washing is still being pegged out which is great.woodburner lit yesterday though and heating has been on a bit as lodger was feeling ill and had the start of a cold.

    Will update more frequently over the weekend, have a great weekend folks

    Brizzle xx
    Last edited by brizzledfw; 08-10-2016 at 7:55 AM.
    MFiT-T4 Member No. 96 - 2022 is my MF goal
    New debt: £10,000 0% ;
    Declutter 50 items before 31.12.16 xx/50 ** LSDs Target 10 for December xx/10 **AFDs xx/17
    **NSDs Target 6 for December xx/6
    • brizzledfw
    • By brizzledfw 8th Oct 16, 7:59 AM
    • 6,293 Posts
    • 29,979 Thanks
    brizzledfw
    I still think it's quite awe inspiring how much you get done! Your daughters sound lovely and a great help to you.

    You mention The Recovering Spender - I'm intrigued - is it a book or a blog?
    Originally posted by Seasidegal58
    Thank SSG..It's a book although she has a website too...haven't read the latter but may do so if I get a chance this weekend. Book is pretty basic for most MSE folks I'd say...but the idea of always being tempted to spend (she operates a 12 step process to recovery ) is probably more like me than I would care to admit sometimes. That my spending should be fitting with my values I totally get and that was from years ago with Your Money or Your Life, the seminal book by Dominguez/Robins.

    Some ideas like keeping my emergency stash in a separate bank I may try. Not new but hadn't quite resonated with me before. She was also brutal with her grocery bill. Almost evangelical fervour about not overspending...which was a clear message to me. As I tend to be very relaxed on such things.....
    Last edited by brizzledfw; 08-10-2016 at 8:02 AM.
    MFiT-T4 Member No. 96 - 2022 is my MF goal
    New debt: £10,000 0% ;
    Declutter 50 items before 31.12.16 xx/50 ** LSDs Target 10 for December xx/10 **AFDs xx/17
    **NSDs Target 6 for December xx/6
    • beanielou
    • By beanielou 8th Oct 16, 9:00 AM
    • 44,857 Posts
    • 155,428 Thanks
    beanielou
    Have a fantastic weekend brizzled xx
    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***
    • Seasidegal58
    • By Seasidegal58 8th Oct 16, 7:52 PM
    • 495 Posts
    • 2,473 Thanks
    Seasidegal58
    Well brizzle I've made a naughty spend and downloaded the Recovering Spender book from Kindle - £4.99 but I feel that it will be well worth it! My seminal debt busting book is The Total Money Makeover by Dave Ramsey. He is also very evangelical - both in his outlook on money and his religion, but he doesn't push his religion down your throat. I still try and follow his rules but have adapted it a bit for me - e.g. he is totally against any form of credit card, only debit cards and cash rule in his world, but I have found these immensely useful for balance transfers and now for cash back. Still he talks a great deal of sense and I also listen to him online now and again - he really makes me laugh sometimes!

    Have an enjoyable weekend!
    Finally Debt Free! - July 2016
    Scrimpy Goal - Emergency Fund - £10,000
    Currently: £6027.22 (25/11/2016)

    My debt free diary - " Paid off the £31,000 - BUT still scrimping!"

    NST: December 2016- NSDs: 1/15
    • brizzledfw
    • By brizzledfw 9th Oct 16, 9:39 AM
    • 6,293 Posts
    • 29,979 Thanks
    brizzledfw
    Hi all

    Good weekend really...missing OH...but all good. It was a spendy day in town yesterday but DD2 will look classy and fab. We also went out to Carluccios for dinner...good food and great service. Do like those places and didn't spend a fortune. I had the set menu and kids only wanted starters.

    So today...finding it hard to kick on today but writing a list always helps:

    - read MSE diaries and get myself in a good frugal MSE mind for week ahead
    - double check will have funds next week to do the money shuffle
    - meal plan for the week ahead
    - do chicken dinner today, and freeze LO's for risotto later and make banana cake (latter with knackered bananas)
    - SWIFTLY check work diary..don't linger too long...
    - find 5 things to sell/declutter
    - drag some more clothes from bottom of drawer/back of wardrobe to wear in upcoming weeks to help me stop any urge to splurge
    - check when DD2 starts the paper round
    - ADDITION: quick run, 2 rounds of the block maybe
    - ADDITION: check euro stash for next hols as don't want to change any..Xchange rate and all that...will I have stashed away enough???

    Think that's it for now...have a great weekend

    Xx
    Last edited by brizzledfw; 09-10-2016 at 10:13 AM.
    MFiT-T4 Member No. 96 - 2022 is my MF goal
    New debt: £10,000 0% ;
    Declutter 50 items before 31.12.16 xx/50 ** LSDs Target 10 for December xx/10 **AFDs xx/17
    **NSDs Target 6 for December xx/6
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