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  • FIRST POST
    • brizzledfw
    • By brizzledfw 5th Jan 12, 3:32 PM
    • 6,777Posts
    • 32,523Thanks
    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
    May '17 Savings Rate Goal: 25% [Apr 10%]
    Declutter 50 items before 31.05.17 15/50 ** LSDs Target 5 for May 03/05 **AFDs 07/20 ** Sales Target '17 750 80 so far
    **NSDs Target 5 for May 03/05
Page 196
    • beanielou
    • By beanielou 18th Mar 17, 9:20 AM
    • 46,059 Posts
    • 162,653 Thanks
    beanielou
    You have a lovely weekend too xx
    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***
    • Moneyfordreams
    • By Moneyfordreams 19th Mar 17, 4:12 PM
    • 810 Posts
    • 3,824 Thanks
    Moneyfordreams
    Just catching up Brizzle , it's good to hear your OH is less stressed.

    your food bill in February was jaw dropping.. did you buy a new outfit?.. you certainly should

    I'm not having an AFD, OH cracked open a chenin blanc (for me ) , lidl 3.89...
    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 162190
    Car loan finished oct 16
    h@lifax CC 4800 0% until May 2018.. will pay minimum for now, slow stooze
    xmas, chairs, hoover, computer and holiday clothes cc
    • brizzledfw
    • By brizzledfw 19th Mar 17, 6:23 PM
    • 6,777 Posts
    • 32,523 Thanks
    brizzledfw
    Thanks MFD..all good still..

    Sitting watching a movie whilst roast dinner cooks..even doing roasties

    A good day today. Beginning to book for going away for the wedding...looks like its gonna happen plus we will make it an anniversary (a big one ) and a Christmas present and well everything really... OH on board, just need to keep us focussed on simultaneous debt busting - a balancing act

    Am feeling optimistic despite a big week workwise next week..wish me luck folks!!
    MFiT-T4 Member No. 96 - 2022 is my MF goal
    May '17 Savings Rate Goal: 25% [Apr 10%]
    Declutter 50 items before 31.05.17 15/50 ** LSDs Target 5 for May 03/05 **AFDs 07/20 ** Sales Target '17 750 80 so far
    **NSDs Target 5 for May 03/05
    • mfmaybe
    • By mfmaybe 19th Mar 17, 7:09 PM
    • 915 Posts
    • 2,873 Thanks
    mfmaybe
    Good Luck
    Owe to savings 2674/1302.44 48.7%paid. Pay by Christmas 17

    Other debts paid since 1/1/14: 14,331
    • beanielou
    • By beanielou 19th Mar 17, 8:34 PM
    • 46,059 Posts
    • 162,653 Thanks
    beanielou
    Positive vibes for you.
    I am glad that you are going to the wedding
    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***
    • brizzledfw
    • By brizzledfw 19th Mar 17, 8:41 PM
    • 6,777 Posts
    • 32,523 Thanks
    brizzledfw
    Thanks guys

    Just checking out Air BnB sites now Thrilling..

    (And dinner was good too )
    MFiT-T4 Member No. 96 - 2022 is my MF goal
    May '17 Savings Rate Goal: 25% [Apr 10%]
    Declutter 50 items before 31.05.17 15/50 ** LSDs Target 5 for May 03/05 **AFDs 07/20 ** Sales Target '17 750 80 so far
    **NSDs Target 5 for May 03/05
    • lucielle
    • By lucielle 20th Mar 17, 5:47 PM
    • 7,892 Posts
    • 33,796 Thanks
    lucielle
    Very jealous of your roast. I've just got home and DD1 has forgotten to put it in. GRRR
    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 20th Mar 17, 7:47 PM
    • 6,777 Posts
    • 32,523 Thanks
    brizzledfw
    Ugh. Lucielle, I feel your pain.. and 'forgotten'...how? Me..I am always thinking of my next meal...take after my maternal grandmother I think

    A good day today. Not a LSD one as jolted out of my investing torpor to chuck some money into the pension and ISA..yes I know I should pay off debts first but I also need to build up some funds..its a tough one to balance but I thought 'sod it' and made the transfers.

    Nice dinner from the freezer...easy. Meatballs and spaghetti.

    Chicken risotto tomorrow I think with the remains of the roast. It will be soothing to prepare after a long day at work.

    EBay items haven't sold so have relisted. Need to chuck out some Freecycle stuff that has only been half collected too. People are not very considerate at times?.. Nail kit working well, used DD2 as a guinea pig and all worked well Now that alone will save me hundreds a year if I can pull it off. The finish was not as nice as the salon does but practice makes perfect I am sure. If anyone likes shellac/gel (its a brand called Bl*eSky) I can recommend it.. haven't tried taking it off though which will probably be the real test.

    Hope everyone has had a good start to the week..

    Brizzle xx
    Last edited by brizzledfw; 20-03-2017 at 7:52 PM.
    MFiT-T4 Member No. 96 - 2022 is my MF goal
    May '17 Savings Rate Goal: 25% [Apr 10%]
    Declutter 50 items before 31.05.17 15/50 ** LSDs Target 5 for May 03/05 **AFDs 07/20 ** Sales Target '17 750 80 so far
    **NSDs Target 5 for May 03/05
    • please-let-me-be-lucky
    • By please-let-me-be-lucky 20th Mar 17, 9:20 PM
    • 7,932 Posts
    • 43,535 Thanks
    please-let-me-be-lucky
    Glad you are going to the wedding Xx
    Debts @ LBM 23,729.31. Debts @ 08/04/2016 0

    NSDs achieved in May - 1/5
    Florida spending 'pot' - 436.00/1000
    Lbs lost - 13.5
    • brizzledfw
    • By brizzledfw 20th Mar 17, 9:32 PM
    • 6,777 Posts
    • 32,523 Thanks
    brizzledfw
    Thanks PLMBL

    MFD.. meant to say.. 3.89!!! That's a complete steal. Is it any good?? OH has just brought me a tea but now I am craving white wine!!
    MFiT-T4 Member No. 96 - 2022 is my MF goal
    May '17 Savings Rate Goal: 25% [Apr 10%]
    Declutter 50 items before 31.05.17 15/50 ** LSDs Target 5 for May 03/05 **AFDs 07/20 ** Sales Target '17 750 80 so far
    **NSDs Target 5 for May 03/05
    • PurpleFairy26
    • By PurpleFairy26 20th Mar 17, 10:01 PM
    • 1,614 Posts
    • 10,945 Thanks
    PurpleFairy26
    So thrilled for you on the wedding Brizzle I knew you'd get (DH) there in the end. Keep persevering on the nails. I haven't done mine for ages but found they were surprisingly good. If only I'd found one this good 15 years ago my original debts might not have been so high :rofl: I did try but it was pretty rubbish, not like what you can get now.

    Friend told me of some good colour changing nail colours on fleabay/Amazon that change when your body gets warm. Decent price too.
    • brizzledfw
    • By brizzledfw 21st Mar 17, 7:04 AM
    • 6,777 Posts
    • 32,523 Thanks
    brizzledfw
    And guess what.. I had a white wine whilst catching up on latest episode of Broadchurch.. and then my tea... (I also microwave my stewed tea.. legacy of having children I think so me and David Tennant have one thing in common )

    Thanks PF. Good to know. Temperature sensitive colours sound fun too. Will check that out. How's it going for you at the moment - on a train platform somewhere? I have treated myself to a coffee and sitting by a window

    Beautiful day. Feeling fairly positive. Fingers crossed it stays that way!!

    Have a great day all
    Last edited by brizzledfw; 21-03-2017 at 7:07 AM.
    MFiT-T4 Member No. 96 - 2022 is my MF goal
    May '17 Savings Rate Goal: 25% [Apr 10%]
    Declutter 50 items before 31.05.17 15/50 ** LSDs Target 5 for May 03/05 **AFDs 07/20 ** Sales Target '17 750 80 so far
    **NSDs Target 5 for May 03/05
    • doingitanyway
    • By doingitanyway 21st Mar 17, 8:54 AM
    • 1,496 Posts
    • 6,669 Thanks
    doingitanyway
    So pleased you are going to the wedding
    JANUARY 2016/SECURED DEBT=24,822/ February 2017=10,492
    MORTGAGE FREE 25/07/16
    • lucielle
    • By lucielle 21st Mar 17, 5:31 PM
    • 7,892 Posts
    • 33,796 Thanks
    lucielle
    Chicken in the oven today!
    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
    • hazeldreams
    • By hazeldreams 22nd Mar 17, 9:31 AM
    • 210 Posts
    • 373 Thanks
    hazeldreams
    Hi brizzle! I've been doing my own nails for years and it saves me a fortune! The brand you're using is ok, but I can recommend smart p*lish. More expensive but it's really hard wearing and doesn't need a top or bottom coat you just paint straight on. Be really careful removing any gel (100% gel is harder to remove than shellac as it's more hard wearing). I can send you strong step instructions on
    how to safely remove if you like? If you're not careful with the removal process you'll end up really damaging your nails.

    Best of luck with it!
    40,156.88 /75,146.41(start 1/9/14) 53.4% paid off
    34,989.53 left to go
    DFD target February 2018 July 2019
    May Challenges: NSDs 0/16; Groceries 0/400
    • poohbear59
    • By poohbear59 22nd Mar 17, 9:52 AM
    • 4,723 Posts
    • 54,840 Thanks
    poohbear59
    H brizzled, i know you are busy.I sent you a pm. Just in case you hadn't noticed.

    I am loving all the nail advice.
    • brizzledfw
    • By brizzledfw 25th Mar 17, 6:09 PM
    • 6,777 Posts
    • 32,523 Thanks
    brizzledfw
    Still steeling myself for the nails.. inflicted it on DD2 (obvs!) but planning on a big soak off and reapply tomorrow

    Big huge whopping spendy day today cos we bought our flights. So we are going!! No going back

    Ugh. Mainly on a 0% purchases BC tho.. could be worse and planning a 0% BT for the excess. Thanks

    Have a great weekend folks
    Last edited by brizzledfw; 26-03-2017 at 10:29 AM.
    MFiT-T4 Member No. 96 - 2022 is my MF goal
    May '17 Savings Rate Goal: 25% [Apr 10%]
    Declutter 50 items before 31.05.17 15/50 ** LSDs Target 5 for May 03/05 **AFDs 07/20 ** Sales Target '17 750 80 so far
    **NSDs Target 5 for May 03/05
    • doingitanyway
    • By doingitanyway 26th Mar 17, 8:58 AM
    • 1,496 Posts
    • 6,669 Thanks
    doingitanyway
    cos we bought our flights. So we are going!! No going back
    Originally posted by brizzledfw
    Good decision.
    JANUARY 2016/SECURED DEBT=24,822/ February 2017=10,492
    MORTGAGE FREE 25/07/16
    • beanielou
    • By beanielou 26th Mar 17, 6:19 PM
    • 46,059 Posts
    • 162,653 Thanks
    beanielou
    Great Mothers Day present
    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***
    • brizzledfw
    • By brizzledfw 28th Mar 17, 7:15 AM
    • 6,777 Posts
    • 32,523 Thanks
    brizzledfw
    Good day yesterday. Finally had a NSD.. they have been very hard to form by this month. Also did my invoices. Took ages but got there.

    Have a good day folks

    Brizzle x
    MFiT-T4 Member No. 96 - 2022 is my MF goal
    May '17 Savings Rate Goal: 25% [Apr 10%]
    Declutter 50 items before 31.05.17 15/50 ** LSDs Target 5 for May 03/05 **AFDs 07/20 ** Sales Target '17 750 80 so far
    **NSDs Target 5 for May 03/05
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