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  • FIRST POST
    • brizzledfw
    • By brizzledfw 5th Jan 12, 3:32 PM
    • 6,830Posts
    • 32,842Thanks
    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
    June '17 Savings Rate Goal: 25% [May 30%]
    Declutter 50 items before 30.06.17 134/50 ** LSDs Target 5 for June 04/05 **AFDs 11/20 ** Sales Target '17 £750 £80 so far
    **NSDs Target 5 for June 02/05
Page 205
    • brizzledfw
    • By brizzledfw 19th Jun 17, 10:45 PM
    • 6,830 Posts
    • 32,842 Thanks
    brizzledfw
    Done dear ladies..5 teenagers it is

    Blimey it's scorching...very warm here even at this time of night..not that I am complaining you know..I couldn't. Just commenting
    MFiT-T4 Member No. 96 - 2022 is my MF goal
    June '17 Savings Rate Goal: 25% [May 30%]
    Declutter 50 items before 30.06.17 134/50 ** LSDs Target 5 for June 04/05 **AFDs 11/20 ** Sales Target '17 £750 £80 so far
    **NSDs Target 5 for June 02/05
    • PurpleFairy26
    • By PurpleFairy26 19th Jun 17, 10:59 PM
    • 1,669 Posts
    • 11,257 Thanks
    PurpleFairy26
    Done dear ladies..5 teenagers it is

    Blimey it's scorching...very warm here even at this time of night..not that I am complaining you know..I couldn't. Just commenting
    Originally posted by brizzledfw
    Got to be in it to win it just think how many days that'll come off your mortgage

    Agree on the weather, not complaining just making a statement of fact
    • brizzledfw
    • By brizzledfw 20th Jun 17, 5:58 AM
    • 6,830 Posts
    • 32,842 Thanks
    brizzledfw
    Thank you PF!! We slept with the windows and curtains open to get the draught through the house and it was really nice. Hoping for another nice few days, but haven't seen the forecast.

    On way to work! Must be loopy, especially considering it took me about 3 hours to get home last night with trains affected by signalling and the hot weather. I ask you!! I am cycling to the station consistently now to try and get some movement into my bones on a daily basis. Really lovely actually. Like today - no one in sight - had the cycle path to myself. As it's mainly off-road you could almost believe you were in the countryside

    A NSD yesterday - yay!! And an AFD yesterday so will update signature. And a grand TT of 29p. Wow, last of the big transactors me!! But the bank account is so low there is no wriggle room at all - every last scrap is going into OPs and paying down the final cards (oh and a Tax Fund - learnt my lesson!!)

    X
    Last edited by brizzledfw; 20-06-2017 at 6:06 AM.
    MFiT-T4 Member No. 96 - 2022 is my MF goal
    June '17 Savings Rate Goal: 25% [May 30%]
    Declutter 50 items before 30.06.17 134/50 ** LSDs Target 5 for June 04/05 **AFDs 11/20 ** Sales Target '17 £750 £80 so far
    **NSDs Target 5 for June 02/05
    • beanielou
    • By beanielou 20th Jun 17, 7:12 AM
    • 46,257 Posts
    • 163,888 Thanks
    beanielou
    It will be worth it. ����
    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***
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