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  • FIRST POST
    • brizzledfw
    • By brizzledfw 5th Jan 12, 3:32 PM
    • 6,301Posts
    • 30,006Thanks
    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 02/10 **AFDs 03/17
    **NSDs Target 6 for December 01/6
Page 179
    • brizzledfw
    • By brizzledfw 16th Oct 16, 5:58 PM
    • 6,301 Posts
    • 30,006 Thanks
    brizzledfw
    It does make a difference to the groceries bill SA that's for sure.

    Just remembered I need to do a VAT submission.. darn. Job for this week.
    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 02/10 **AFDs 03/17
    **NSDs Target 6 for December 01/6
    • beanielou
    • By beanielou 16th Oct 16, 7:24 PM
    • 44,888 Posts
    • 155,585 Thanks
    beanielou
    I need to take a leaf out of your book and live out of my freezer/cupboards instead of forever stocking them up every time I come across a bargain.
    Originally posted by Sun Addict

    Me too.
    Though I am getting better.
    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***
    • brizzledfw
    • By brizzledfw 17th Oct 16, 5:14 PM
    • 6,301 Posts
    • 30,006 Thanks
    brizzledfw
    Its easily done Lou..I reckon really I am a child of WW2 with my stockpiles ...

    Today we have:

    - reconciled YNAB (can you tell OH is back!)
    - done the VAT return
    - small TT made
    - using freezer up slowly but surely- curries this eve and rice from the rice cooker (the multi purpose slow cooker has been amazing..we steamed chocolate puddings in it yesterday. They were lush)
    - listed some items on Ebay. Photos pretty rubbish but hope for some sales.
    - just back from work - so very early for me - will change, have a snack and crack on whilst I have my work mojo back
    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 02/10 **AFDs 03/17
    **NSDs Target 6 for December 01/6
    • Moneyfordreams
    • By Moneyfordreams 18th Oct 16, 10:33 AM
    • 648 Posts
    • 3,055 Thanks
    Moneyfordreams
    Work is the necessary demon we are all fighting with. I hope your OH feels better soon. Is a change possible?
    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
    • brizzledfw
    • By brizzledfw 18th Oct 16, 12:54 PM
    • 6,301 Posts
    • 30,006 Thanks
    brizzledfw
    Thanks for popping by, MfD. Yes change is possible but he really doesn't want it, and doesn't want to embrace it. So...I think its a question of him reflecting and working through the options rationally. He has agreed to go through the pros and cons with me and the girls (each giving our own views, independently on paper) for him to take into account. Clearly he has the deciding vote (as it were) but as least he can then be exposed to less binary views He can be a bit of an ostrich, lets put it like that, and I don't want him making such a big decision based on fear (especially when I think its unjustified and even if its wasn't we could financially cope)

    Bit of a stream of consciousness but this is the best place to unload (thanks for humouring me )

    WAH today which saves me a colossal 4 hours commuting..which also means I have pegged out in a weak autumnal sun..especially as the house was already full of damp washing on racks it feels like a proper bonus!
    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 02/10 **AFDs 03/17
    **NSDs Target 6 for December 01/6
    • Seasidegal58
    • By Seasidegal58 18th Oct 16, 9:42 PM
    • 499 Posts
    • 2,494 Thanks
    Seasidegal58
    I do hope Mr brizzle works out the best decision for himself - he certainly has some great support at home.

    Would love to work from home (she says wistfully).
    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: 2/15
    • Sun Addict
    • By Sun Addict 19th Oct 16, 8:22 PM
    • 3,289 Posts
    • 16,539 Thanks
    Sun Addict
    Hope OH comes to the right decision. Work is such a big part of most people's lives you need to be happy there.
    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 23rd Oct 16, 8:53 AM
    • 6,301 Posts
    • 30,006 Thanks
    brizzledfw
    Thanks guys. Have been thinking of you all, but just lurking in the threads, (and starting re-reading Tilly's diary from the start...it's a whopper ) and enjoying not being flat out at work..don't go back until Monday so a week with my kids

    MSE life pootles on. Some watchers on the Bay of E items but not a great deal. Poor photos not helping I am sure, so probably need to change that pronto. Need to meal plan for next week.

    In- laws coming over for Sunday dinner. Most items already bought...just a few veggies and will probably do a steamed pudding for afterwards. Using the SC for them has been a revelation

    Money is fairly manageable..we are not overspending..but then there have not been any unexpected items...and we have Christmas coming. So..not complacent about that at all.

    Will get myself another cuppa, then cruise diaries, then get up and shake a tail feather

    Have a great day folks. Grey to start with here, but OH already out on bike with some mates, so he'll come home happy

    Brizzle

    PS. Thanks for comments re OH. Think he will try and and go for VR...but we have had a discussion with the kids, family meeting , re pros and cons. I think he's moving towards trying to get out, but am also thinking he may baulk when it comes to it...so still unknown/uncertain.
    Last edited by brizzledfw; 23-10-2016 at 8:55 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 02/10 **AFDs 03/17
    **NSDs Target 6 for December 01/6
    • greent
    • By greent 23rd Oct 16, 10:05 AM
    • 5,201 Posts
    • 52,380 Thanks
    greent
    Just caught up on this month's posts - you have been busy and lots going on in Brizzle's world!

    OH and myself have both taken VR in the past - scary decisions but - for us - it worked out for the best - eventually!

    xx
    Repaid mortgage early (originally 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
    Now repaying BTL Mtge. Opening Bal £69786. Current Bal £68286
    Net sales in 2016 £778.60/£500
    Dec grocery spends £0/ £480 NSDs 4/12
    • Moneyfordreams
    • By Moneyfordreams 23rd Oct 16, 11:38 AM
    • 648 Posts
    • 3,055 Thanks
    Moneyfordreams
    Thanks guys. Have been thinking of you all, but just lurking in the threads, (and starting re-reading Tilly's diary from the start...it's a whopper ) and enjoying not being flat out at work..don't go back until Monday so a week with my kids

    It certainly is, think it was my 2nd Diary after newgirly and before SSS and Greent

    MSE life pootles on. Some watchers on the Bay of E items but not a great deal. Poor photos not helping I am sure, so probably need to change that pronto. Need to meal plan for next week.

    In- laws coming over for Sunday dinner. Most items already bought...just a few veggies and will probably do a steamed pudding for afterwards. Using the SC for them has been a revelation

    Money is fairly manageable..we are not overspending..but then there have not been any unexpected items...and we have Christmas coming. So..not complacent about that at all.

    Back in control

    Will get myself another cuppa, then cruise diaries, then get up and shake a tail feather

    Have a great day folks. Grey to start with here, but OH already out on bike with some mates, so he'll come home happy

    Brizzle

    PS. Thanks for comments re OH. Think he will try and and go for VR...but we have had a discussion with the kids, family meeting , re pros and cons. I think he's moving towards trying to get out, but am also thinking he may baulk when it comes to it...so still unknown/uncertain.
    Originally posted by brizzledfw
    Scary , but happiness and less stress is priceless when it's affecting so much. We all know how to cut our cloth
    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
    • brizzledfw
    • By brizzledfw 23rd Oct 16, 11:56 AM
    • 6,301 Posts
    • 30,006 Thanks
    brizzledfw
    Thanks lovely MfD...we will be OK. Public sector..it's a never ending cycle of cut backs (as I suspect you know ) ..and maybe it's time for a change.

    OH now redoing some photos so fingers crossed.

    Meal planning next..so rock and roll
    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 02/10 **AFDs 03/17
    **NSDs Target 6 for December 01/6
    • lucielle
    • By lucielle 23rd Oct 16, 5:16 PM
    • 7,803 Posts
    • 33,547 Thanks
    lucielle
    How do you do steamed puds in the slow cooker?
    L
    Total Debt Dec 07 £59875.83 Overdrafts £2900, Dec 08 £39782.36 Overdrafts £3100, Dec 09 £29304.84 Overdrafts £2820, Dec 10 £16449 Overdrafts £2490
    Dec 11 £12673.80 Overdrafts £1250, Dec 12 £4591 Overdrafts £400 02/02/13 new debt figure £5831.00 New Debt Figure ZERO !!!!!! 08/06/2013

    DFD Before we Die!!!! Long Haul Supporter #124
    • brizzledfw
    • By brizzledfw 23rd Oct 16, 6:11 PM
    • 6,301 Posts
    • 30,006 Thanks
    brizzledfw
    Just put mixture in a plastic pudding basin with lid on, then place in a couple of inches of water in base of the SC pan and then switch on for say 2 hours. Worked like a dream.

    We do have an all in one slow cooker, i.e. cooks rice etc on a different setting, but reckon it'd have worked as well with our old single function one
    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 02/10 **AFDs 03/17
    **NSDs Target 6 for December 01/6
    • brizzledfw
    • By brizzledfw 23rd Oct 16, 7:24 PM
    • 6,301 Posts
    • 30,006 Thanks
    brizzledfw
    Thanks greent. Good to know there can be life after a steady paycheck I am fluctuating a bit about it, but on balance OH seems to be moving towards seeing if he can go.
    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 02/10 **AFDs 03/17
    **NSDs Target 6 for December 01/6
    • brizzledfw
    • By brizzledfw 23rd Oct 16, 7:30 PM
    • 6,301 Posts
    • 30,006 Thanks
    brizzledfw
    Sitting relaxing after a good day, counting my blessings..

    - good things - woodburner at full stretch, pegging out the washing in the weak sun (but sun all the same!), wonderful Sunday lunch and amazing pudding the kids made, all packed up ready to pootle to Paris tomorrow on Eurostar - we will be using euros we saved from the summer, and everything else already paid for, 3 items decluttered so will update sig

    - some challenges coming up.. but we will endure
    Last edited by brizzledfw; 23-10-2016 at 7:41 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 02/10 **AFDs 03/17
    **NSDs Target 6 for December 01/6
    • Seasidegal58
    • By Seasidegal58 23rd Oct 16, 9:15 PM
    • 499 Posts
    • 2,494 Thanks
    Seasidegal58
    Have a wonderful time in la belle Paree brizzle

    Tell us all about it when you return
    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: 2/15
    • Tilly MFW in 6 YRS
    • By Tilly MFW in 6 YRS 24th Oct 16, 8:05 AM
    • 7,603 Posts
    • 84,967 Thanks
    Tilly MFW in 6 YRS
    Hi Brizzle

    Sorry to hear news re OH. There's certainly a few of us who've gone through the big R - whether voluntary or forced.

    Excellent plan to have family meeting and I imagine it was a constructive session.

    Enjoy Paris - sounds FAB.

    Good luck and the old saying is true "necessity is the mother of invention".

    Things have a brilliant way of working out for the best.

    Much love Tilly xxxxx
    2004 £387k 29 years - MF March 2033 2011 £309k 10 years - MF March 2021.
    Goal: 28/08/15
    • greent
    • By greent 24th Oct 16, 8:50 AM
    • 5,201 Posts
    • 52,380 Thanks
    greent
    Have a lovely time in Paris, brizzle

    x
    Repaid mortgage early (originally 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
    Now repaying BTL Mtge. Opening Bal £69786. Current Bal £68286
    Net sales in 2016 £778.60/£500
    Dec grocery spends £0/ £480 NSDs 4/12
    • Sun Addict
    • By Sun Addict 24th Oct 16, 8:26 PM
    • 3,289 Posts
    • 16,539 Thanks
    Sun Addict
    Have a fab time Brizzle xx
    Debt free date 31/01/15
    Virtual Sealed Pot £295.11
    Weight loss 9.5/14
    Mr SA finally in remission December 2013
    • beanielou
    • By beanielou 24th Oct 16, 8:32 PM
    • 44,888 Posts
    • 155,585 Thanks
    beanielou
    Enjoy
    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***
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