Your browser isn't supported
It looks like you're using an old web browser. To get the most out of the site and to ensure guides display correctly, we suggest upgrading your browser now. Download the latest:

Welcome to the MSE Forums

We're home to a fantastic community of MoneySavers but anyone can post. Please exercise caution & report spam, illegal, offensive or libellous posts/messages: click "report" or email forumteam@.

Search
  • FIRST POST
    • brizzledfw
    • By brizzledfw 5th Jan 12, 3:32 PM
    • 6,937Posts
    • 33,358Thanks
    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 208
    • Sun Addict
    • By Sun Addict 15th Jul 17, 9:12 PM
    • 4,039 Posts
    • 21,187 Thanks
    Sun Addict
    Doing great Brizzle as always xx
    Virtual Sealed Pot £424.05
    Weight loss 0/7lbs
    Mr SA finally in remission December 2013
    • beanielou
    • By beanielou 15th Jul 17, 9:22 PM
    • 46,585 Posts
    • 165,667 Thanks
    beanielou
    Enjoy your weekend 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***
    • brizzledfw
    • By brizzledfw 15th Jul 17, 9:29 PM
    • 6,937 Posts
    • 33,358 Thanks
    brizzledfw
    Thanks lovely ladies..

    Had a beautiful day doing absolutely booger all. We watched a cricket match and drank cider (England won ) - v cheap tickets as it was Women's cricket so very MSE and we had a great time despite not really being afficiendos

    Tax paid yesterday. Good to have that done. Felt sad to see that much leave my account though! Also did some money shuffling and took profits out of S&S ISA as think market may be reaching a peak so it'll be held as cash until I decide what to do. Will probably put in the NW high paying account.

    Bought DD1 some much needed outdoor gear but used her discount for doing DoE so 15% off which was very handy. Picked up 2 items for myself but will be well used.

    After a wobble students are fine.. much more engaged. Am relieved. Took everyone out for pizza this eve and drinks £43 so can cope with that as there were 7 of us ... nice treat and saved me doing anything!!!

    Have a good weekend all
    Last edited by brizzledfw; 15-07-2017 at 9:31 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
    • brizzledfw
    • By brizzledfw 17th Jul 17, 8:19 AM
    • 6,937 Posts
    • 33,358 Thanks
    brizzledfw
    A lovely weekend.. very domestic. Took the students to n£ndos which they enjoyed as they don't have it in Spain.. now there is a investment opportunity if ever there was one.. ask any British teenager!!

    OH struggling though with the houseful. We are topsy turvy and he no longer thinks it's all worth it. Work is pressured too which always has a huge negative effect. But think maybe I will take him out for a break one evening this week.. that should help. The good weather today forecast for today should help as well.

    Have a good day folks - love to you all xx
    Last edited by brizzledfw; 17-07-2017 at 7:33 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
    • lucielle
    • By lucielle 17th Jul 17, 6:43 PM
    • 7,915 Posts
    • 33,866 Thanks
    lucielle
    Busy as usual. I lost you for a few days trying to read on my phone and unsubscribed by mistake but got you back now.
    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
    • beanielou
    • By beanielou 17th Jul 17, 9:08 PM
    • 46,585 Posts
    • 165,667 Thanks
    beanielou
    Have to say that I am increasingly struggling with my lodger & am really really questioning if the stress is 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***
    • brizzledfw
    • By brizzledfw 17th Jul 17, 9:21 PM
    • 6,937 Posts
    • 33,358 Thanks
    brizzledfw
    Thanks Lu.. glad you didn't really lose me!! How's the dream cottage going?!
    Lou.. he's better this evening when we basically served up a speedy filled pasta meal. He also had a reasonably good day at work. It is hard. Are completely camping so everything at sixes and sevens plus dishwasher has broken. Think we need a new pump. Call out charge on Friday cost £60 and guy couldn't fix it. Worked twice over weekend and now properly bust. Not great timing!!! But at least (crossing my fingers as so say this) washing machine is fine.

    Money is tight. Have to pay off another card with just ongoing regular spends on it. But must... otherwise we will be sliding backwards. More holiday stuff paid upfront through which is always a good sign and will get a few more days work this month - to help offset next when I am taking some leave.

    Having a nice glass of Fairtrade Shiraz. Just a C9op one but it's nice. Life could be a million times worse!

    Love to all

    Xx
    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 20th Jul 17, 10:15 PM
    • 6,937 Posts
    • 33,358 Thanks
    brizzledfw
    So folks...since then have been head down working hard..although did take precious lovely friends out for a meal last night. They needed it and it was lovely to spend a few hours with them. Great veggie food too Like it when restaurants properly cater for veggie tastes in a good quality neighbourhood restaurant.

    Another 2 AFDs this week...not last night (obviously!! ) Managed an exercise class on Tuesday and will go tomorrow but otherwise bombed. Just couldn't manage it.

    Ebay sales have been OK. Not spectacular. Not sure how going to manage the £850 target this year but will keep battling on. It would have been a NSD but OH out for a hobby this evening so that's that scuppered...

    Money is tight as everything is accounted for. But not complaining. Mojo still in good form and feel as if everything is possible...which is a good place to be..

    Much love to you all xx
    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 21st Jul 17, 9:43 PM
    • 6,937 Posts
    • 33,358 Thanks
    brizzledfw
    Exercise class tick, payment for students received tick, AFD tick, LSD (just some groceries, under £5) tick, money shuffle and TT done tick, extra paid work tick......and sleeeeeep
    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
    • Sun Addict
    • By Sun Addict 21st Jul 17, 10:20 PM
    • 4,039 Posts
    • 21,187 Thanks
    Sun Addict
    Have a lovely restful night's sleep xx
    Virtual Sealed Pot £424.05
    Weight loss 0/7lbs
    Mr SA finally in remission December 2013
    • greent
    • By greent 22nd Jul 17, 8:21 AM
    • 5,958 Posts
    • 60,227 Thanks
    greent
    All sounding very busy in the brizzle household! Are you getting the dw fixed?

    x
    I am the master of my fate; I am the captain of my soul
    Repaid mtge early (orig 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
    Next: BTL Mtge 12/16 £69786. 2017 OPs (#18) £3490/£3286
    Net sales 2017 £753.38/£500 PAYDOX17 £10335/£10k Decluttered 1200/2017 items
    • Moneyfordreams
    • By Moneyfordreams 22nd Jul 17, 9:57 AM
    • 837 Posts
    • 4,048 Thanks
    Moneyfordreams
    Hi Brizzle, just caught up.... you sound so busy and organised..you rock..... no can you send me some energy please I'm off this week and my busy plans have disappeared as dd1 not completed on her house and there is no point joining the gym until 1st of the month to be MSE
    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 £160500
    h@lifax CC £4600 0% until May 2018.. will pay minimum for now, slow stooze
    xmas, chairs, hoover, computer and holiday [STRIKE}clothes[STRIKE] DD1 cc
    • MoneyMission
    • By MoneyMission 22nd Jul 17, 9:27 PM
    • 566 Posts
    • 2,842 Thanks
    MoneyMission
    Hi Brizz. Sounds busy as ever down your neck of the woods. You're putting me to shame! I'm barely managing to get through each day at the moment. I totally agree with a good nights sleep making all the difference. Had my first in ages last night - luxury. MM x
    MFW 2017 challenge (No.39) £2,900.00 / £3,450.00 (84.06%)
    MFW 2016 challenge (No. 39) £3,791.00 / £3,300.00 (114.88%)
    • Igamogam
    • By Igamogam 23rd Jul 17, 9:12 AM
    • 5,391 Posts
    • 43,048 Thanks
    Igamogam
    Kinda caught up with what you have been up to.....wowzers you have been busy
    Be the change you want to see -with apologies to Gandhi
    In gardens, beauty is a by-product. The main business is sex and death. ~Sam Llewelyn
    'On the internet no one knows you are a cat'
    • brizzledfw
    • By brizzledfw 23rd Jul 17, 11:07 AM
    • 6,937 Posts
    • 33,358 Thanks
    brizzledfw
    Thanks Ig how's you?? Will pop over shortly to 'see' you. Thanks everyone for popping by. Am a little worried re Alice...has anyone heard from her? No reply in thread (when I last checked) or to a PM.

    Leisurely morning so far. OH in from a very very wet bike ride with mates..drowned rat would be an apt description. I on the other hand have been in the kitchen marinating and now roasting a shoulder of goat. Had been lurking in freezer from last large shop at the butchers. DD2 won't eat lamb...but apparently goat is OK It smells lush. Indian/Middle Eastern influence so will have with roast carrots and sweet potatoes and then herby couscous. Thank goodness for greengrocers open at the weekend so Dd1 got me a huge bunch of coriander for £1. Result. Rest we already had.

    Then we will go out for pudding...can't bear to do much else as weather is sooooo carp.

    Few chores to do and parcels to post. Will try a class this evening too.

    DW will be fixed but not until next week. Thanks for popping by greent. Lordy, first world problems but washing up is overrrated...
    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 23rd Jul 17, 10:35 PM
    • 6,937 Posts
    • 33,358 Thanks
    brizzledfw
    An AFD No exercise (but did 14k steps so guess that counts) but parcels done. Larder cleaned out completely by OH as we had had a visitor (am hoping it was a stray one the cats brought in and 'lost' but I have my doubts.... and I broke a mirror. Not superstititious but it was a pain. Ugh).

    However on the plus side going out for pudding was a great idea and the ice cream parlour was AAAmazing. There are times when I can't get enough of the good things in my city

    Joined the MSE Credit Club and started to draft a letter to the reams of banks and store cards we've had over the years to see about PPI. I don't think we have had it but this Plevin case is interesting and Ig has inspired me (thanks Ig)

    Another busy week next week, but hoping to spend some time with OH and get to see some friends....

    Have a good week all x
    Last edited by brizzledfw; 23-07-2017 at 11:07 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
    • brizzledfw
    • By brizzledfw 23rd Jul 17, 11:02 PM
    • 6,937 Posts
    • 33,358 Thanks
    brizzledfw
    MFD..hope you have a great week and you don't miss work

    Sending you some energy....
    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
    • Eager_Elephant
    • By Eager_Elephant 24th Jul 17, 6:43 AM
    • 3,969 Posts
    • 21,033 Thanks
    Eager_Elephant
    Alice hasn't been on MSE since her last post which was 21st May so doubt she has seen your PM.

    Hopefully life has just been too busy for her to come on here - she usually has some of the summer off so hopefully she will be back soon.
    Ninja Saving Turtle No. 4 for July
    NSD - 11/16
    (up to 21/7/17)
    My Diary is here - http://forums.moneysavingexpert.com/showthread.php?t=2175629 (Eager Elephants Effective Everyday Excursion)
    • brizzledfw
    • By brizzledfw 24th Jul 17, 7:30 AM
    • 6,937 Posts
    • 33,358 Thanks
    brizzledfw
    Thanks EE - hope she's Ok. Know things were tricky. How's you?

    Done a TT and relisted some unsold items but no other money news. Hoping to get home early this evening. Feel tired already and not even at work yet! Not on holibobs until back end of August.

    Have a good day folks
    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
    • beanielou
    • By beanielou 24th Jul 17, 9:32 AM
    • 46,585 Posts
    • 165,667 Thanks
    beanielou
    What was the Plevin case please?
    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***
Welcome to our new Forum!

Our aim is to save you money quickly and easily. We hope you like it!

Forum Team Contact us

Live Stats

5,489Posts Today

4,850Users online

Martin's Twitter
  • Byebye! I'm about to stop work & twitter, to instead spend glorious time with Mrs & mini MSE. Wishing u a lovely summer. See u in 10 days.

  • WARNING Did you start Uni in or after 2012? The interest's rising to 6.1%; yet it doesnt work like you think. See https://t.co/IQ8f0Vyetu RT

  • RT @JanaBeee: @MartinSLewis Boris is the anomaly (coffee), the others are versions of normal (beer). Lots of same candidates = vote share d?

  • Follow Martin