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  • FIRST POST
    • brizzledfw
    • By brizzledfw 5th Jan 12, 3:32 PM
    • 7,166Posts
    • 34,864Thanks
    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
    Winter 17/18 Savings Rate Goal: 25% [October 30%]
    Declutter 60 items before 31.01.18 35/60 ** LSDs Target 10 for Jan 03/ 10 **AFDs 09/15 ** Sales Target 2018 £500 NSDs Target 10 for Winter 04/10 Trying to be a Frugalista
Page 215
    • scotdebs
    • By scotdebs 11th Sep 17, 9:08 PM
    • 559 Posts
    • 3,100 Thanks
    scotdebs
    have lost the love for ebay - but need to get back to it have some kids GAP stuff in really good condition that usually does well but last few attempts have been poor showing
    CC debt Aug 2017 £48.6K
    Sept GC £128.11/£450
    • brizzledfw
    • By brizzledfw 11th Sep 17, 9:29 PM
    • 7,166 Posts
    • 34,864 Thanks
    brizzledfw
    Thanks beanie. I was the same debs, but have to do it. Also sent a load of stuff to the CS but for better quality items it's best to sell.. somehow. What about the local FB page instead? I also found doing an annual target helped. As you can tell I love targets and it helps motivate me. It's spending money for our Xmas trip away

    A NSD All monies accounted for. We are officially down to pennies... roll on Friday for the big money shuffle
    MFiT-T4 Member No. 96 - 2022 is my MF goal
    Winter 17/18 Savings Rate Goal: 25% [October 30%]
    Declutter 60 items before 31.01.18 35/60 ** LSDs Target 10 for Jan 03/ 10 **AFDs 09/15 ** Sales Target 2018 £500 NSDs Target 10 for Winter 04/10 Trying to be a Frugalista
    • Seasidegal58
    • By Seasidegal58 11th Sep 17, 9:34 PM
    • 1,427 Posts
    • 8,271 Thanks
    Seasidegal58
    All sounding good brizzle!

    SSG x
    Finally Debt Free! - July 2016
    Finished Emergency Fund- £10,000 April 2017

    Next Scrimpy Goal - Save for New Kitchen!
    Surveys: PA: £15.78/£20; One Poll: £15.40/£40: Opinium: £10.50/£25; Panelbase: £5/£10; You Gov: 1625/5000 points (£50)
    • greent
    • By greent 12th Sep 17, 11:30 AM
    • 6,672 Posts
    • 67,864 Thanks
    greent
    I like targets too - not sure I'll make my 2017 items decluttered in 2017, but I'm almost 75% of the way there so far - I suspect the rate of items leaving here will slow down now, though.

    I've nicely exceeded my (low) net sales target for the year - but only because we sold our huge family tent and trailer, which I hadn't thought of when I set such a low target. I'm trying to keep a steady trickle on ebay after losing motivation for it earlier in the year - but it sometimes seems such a lot of effort for little net result nowadays. However, I have to remind myself that if I'm selling a batch of things and a couple of items only sell for a couple of £ that it's no more hassle to pack them up and post them off with everything else - and that's more £ (however few! ) in and more carp out! That's gotta be a good thing, right...?
    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
    BTL Mtge 12/16 £69786. 2018 OPs (#18) £0/£4000
    Net sales 2018 £20.45/£1000 PAYDOX18 £991.65/£17044.10 Decluttered 151/2018 items
    • scotdebs
    • By scotdebs 12th Sep 17, 2:30 PM
    • 559 Posts
    • 3,100 Thanks
    scotdebs
    I think I need to set a target of how many things I will list a week - I find Im not getting the sales £ value that I used to and that just demotivates me - however as Greent said its as much about getting stuff out the house - my mental health and just general mood is so much brighter when the house is in good shape
    CC debt Aug 2017 £48.6K
    Sept GC £128.11/£450
    • HairyHandofDartmoor
    • By HairyHandofDartmoor 17th Sep 17, 10:53 PM
    • 2,942 Posts
    • 17,101 Thanks
    HairyHandofDartmoor
    Hi Brizzle just popping on to say hello

    I love de-cluttering too. Each time I get rid of something I don't use I feel better. I believe that when you create space in your life, then there is room for something new and good to come along.
    My Diary http://forums.moneysavingexpert.com/showthread.php?t=5716867
    Debt in July 2017 = £58,766 DEBT FREE 31 OCTOBER 2017
    NEW GOALS - Build an Emergency Fund & Loss of Income Fund. Then save up for repairs to the house.
    Emergency Fund 1 = £818/Emergency Fund 2 = £36.76/Loss of Income Fund £0
    • brizzledfw
    • By brizzledfw 18th Sep 17, 9:57 AM
    • 7,166 Posts
    • 34,864 Thanks
    brizzledfw
    Thanks folks.yep targets are key to my feeling on top of things and as if things are progressing. Great to 'see' you HHD..great name btw!!

    Quiet day today. Planning on getting some energy back before a big few weeks at work. Slept badly last night so need to regroup.

    Hope everyone has a good day
    MFiT-T4 Member No. 96 - 2022 is my MF goal
    Winter 17/18 Savings Rate Goal: 25% [October 30%]
    Declutter 60 items before 31.01.18 35/60 ** LSDs Target 10 for Jan 03/ 10 **AFDs 09/15 ** Sales Target 2018 £500 NSDs Target 10 for Winter 04/10 Trying to be a Frugalista
    • NoOneAround
    • By NoOneAround 19th Sep 17, 2:19 PM
    • 1,652 Posts
    • 7,947 Thanks
    NoOneAround
    Hey Brizzle
    Caught up on a wide array of subjects No need to watch the shopping channel or the Money programmes or any cookery shows
    Glad all going well.
    NOA
    x
    Feb2014 Total unsecured debt £72,520>>01/06/16 £68166>01/04/17 £66,996=7.62%PAID
    Mortgage Jan14=209,800 Jan15=£200,300 Jan17£180,700>OCT17 £173,200
    Health/Fitness Challenges Priority#1 Stay Fit and healthy - whatever it takes
    Wombling Free Cash May2016 £51
    • brizzledfw
    • By brizzledfw 19th Sep 17, 5:46 PM
    • 7,166 Posts
    • 34,864 Thanks
    brizzledfw
    Great to have you pop by NOA

    A much better day. Am hoping tax bill is manageable this year - sending paperwork over to accountant later this week I hope which will be a big relief. DD1 is helping me with the paperwork at a princely sum of £5 ph! visited her for the first time at her work (a small shop) at the weekend. Wonderful to see her there - I did buy a few items, but all needed.

    Small TT today. Getting there. By end of this year plan is for:

    - all CCs paid off
    - S&S ISA to stand at £12k
    - money in personal and corporate account for tax bills
    - all Xmas holiday costs paid for and money set aside for spending
    - have a sensible EF and some funds for nice holidays in 2018

    If this happens that's quite a result. In other news, hope to complete on a new mortgage (1.88% fix for 5 years) which will reduce our monthly payments by a load. Must over pay though if are to get to the end of it by 2022 and also that OH has booked swanky hotel for me and him over Christmas in Dubai for zilch. Wonderful airline points have done the job Not sure Dubai is really my cup of tea but it is a transit on the way down under.. which is what counts

    Dinner is in the SC. Shattered this week. Getting up at 5 to make diner wasnt very clever . May need to switch back to batch cooking. Much less tiring if done over weekend!
    Last edited by brizzledfw; 19-09-2017 at 5:52 PM.
    MFiT-T4 Member No. 96 - 2022 is my MF goal
    Winter 17/18 Savings Rate Goal: 25% [October 30%]
    Declutter 60 items before 31.01.18 35/60 ** LSDs Target 10 for Jan 03/ 10 **AFDs 09/15 ** Sales Target 2018 £500 NSDs Target 10 for Winter 04/10 Trying to be a Frugalista
    • Sun Addict
    • By Sun Addict 19th Sep 17, 8:55 PM
    • 5,002 Posts
    • 31,069 Thanks
    Sun Addict
    Plans sound good Brizzle We all need something to aim for to keep us on the straight and narrow.

    Ooh a swanky hotel in Dubaii
    Virtual Sealed Pot 2018 £106.40
    Jan NSDs 6 Jan AFDs 8
    Weight loss 2.5/10LBS Emergency Fund £1685.31/£10,000
    April holiday £0/£900
    • brizzledfw
    • By brizzledfw 19th Sep 17, 9:36 PM
    • 7,166 Posts
    • 34,864 Thanks
    brizzledfw
    Thanks SA. I do hope I can pull it off, just using the online calculator has made me hopeful I am in better shape than last time.

    I too am amazed re the hotel. This is not like OH at all, but so pleased he did. Feels an amazing treat and all for no cost.

    Busy evening doing chores. Now finally found time to start watching Victoria. It's started on 27 August!! Thank the lord for catch up ?
    MFiT-T4 Member No. 96 - 2022 is my MF goal
    Winter 17/18 Savings Rate Goal: 25% [October 30%]
    Declutter 60 items before 31.01.18 35/60 ** LSDs Target 10 for Jan 03/ 10 **AFDs 09/15 ** Sales Target 2018 £500 NSDs Target 10 for Winter 04/10 Trying to be a Frugalista
    • please-let-me-be-lucky
    • By please-let-me-be-lucky 20th Sep 17, 9:12 AM
    • 8,512 Posts
    • 48,312 Thanks
    please-let-me-be-lucky
    Oooh, major brownie points for OH!! Xx
    Debts @ LBM £23,729.31. Debts @ 08/04/2016 £0

    NSDs achieved in 2018 4/60
    Lbs lost 8.5/107.
    Savings for Florida £51.04/£1000
    • Seasidegal58
    • By Seasidegal58 20th Sep 17, 1:45 PM
    • 1,427 Posts
    • 8,271 Thanks
    Seasidegal58
    Christmas in Dubai! What a wonderful surprise!
    Finally Debt Free! - July 2016
    Finished Emergency Fund- £10,000 April 2017

    Next Scrimpy Goal - Save for New Kitchen!
    Surveys: PA: £15.78/£20; One Poll: £15.40/£40: Opinium: £10.50/£25; Panelbase: £5/£10; You Gov: 1625/5000 points (£50)
    • brizzledfw
    • By brizzledfw 20th Sep 17, 6:08 PM
    • 7,166 Posts
    • 34,864 Thanks
    brizzledfw
    Yes it's very exciting. Technically it's a stop over to see a wonderful friend on our way to a wedding in NZ. But 3 nights and our friend is putting up our kids

    Money stuff is slow. One thing about working is less time to spend money? Have cancelled a weekend away - sad to do so but we need to rest and work...roll on end of the year I say when it should ease..technically...

    Down to pennies as have been ruthless with the TTs and squirrelling stuff away. Can't wait for the new mortgage to complete oh the joys of a MSE diary obsessive
    MFiT-T4 Member No. 96 - 2022 is my MF goal
    Winter 17/18 Savings Rate Goal: 25% [October 30%]
    Declutter 60 items before 31.01.18 35/60 ** LSDs Target 10 for Jan 03/ 10 **AFDs 09/15 ** Sales Target 2018 £500 NSDs Target 10 for Winter 04/10 Trying to be a Frugalista
    • mfmaybe
    • By mfmaybe 20th Sep 17, 9:30 PM
    • 1,007 Posts
    • 3,208 Thanks
    mfmaybe
    Ooh Brizzle a trip to NZ sounds lovely. We did Christmas there about 10 years ago and it was truly truly amazing (Though would I be right in thinking this isn't your first visit?) I didn't love Dubai (city) very much when we did a stopover there on a different trip; but in-laws stayed in a desert hotel that they enjoyed.
    Create credit card buffer fund £12.93/£1000 1.4%paid. Pay by Christmas 17

    Other debts paid since 1/1/14: £17,005
    • beanielou
    • By beanielou 20th Sep 17, 9:47 PM
    • 49,570 Posts
    • 186,689 Thanks
    beanielou
    How very awesome
    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 20th Sep 17, 10:24 PM
    • 7,166 Posts
    • 34,864 Thanks
    brizzledfw
    Hello Beanie and MFM..

    Yes I don't think the city will rock my boat but we will be doing a desert safari with my friend which is apparently ace. As she lives there she has done it about 10 times and loves it every time she says. But we have 3 days there before we fly to Australia. In December what's not to like

    Everyone - can I just say how much I appreciate your comments and your taking the time to drop in, my lovely virtual friends. It's such an important support structure for me and one I am so so grateful for. Thank you from the bottom of my heart x
    MFiT-T4 Member No. 96 - 2022 is my MF goal
    Winter 17/18 Savings Rate Goal: 25% [October 30%]
    Declutter 60 items before 31.01.18 35/60 ** LSDs Target 10 for Jan 03/ 10 **AFDs 09/15 ** Sales Target 2018 £500 NSDs Target 10 for Winter 04/10 Trying to be a Frugalista
    • beanielou
    • By beanielou 20th Sep 17, 10:28 PM
    • 49,570 Posts
    • 186,689 Thanks
    beanielou
    You are more than welcome 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***
    • armchairexpert
    • By armchairexpert 21st Sep 17, 3:08 AM
    • 740 Posts
    • 4,874 Thanks
    armchairexpert
    I never enjoy Australia in December, but I am a wilting flower! Sounds like a lovely trip.
    MFW diary here. 1 Feb 2017 $229,371 - MFD Feb 2043 aiming for May 2028
    14 August 2017 - Refinanced: $220,000
    December 2017 - $214,653.00 Current MFD 31 July 2035
    • Seasidegal58
    • By Seasidegal58 21st Sep 17, 6:53 PM
    • 1,427 Posts
    • 8,271 Thanks
    Seasidegal58
    Everyone - can I just say how much I appreciate your comments and your taking the time to drop in, my lovely virtual friends. It's such an important support structure for me and one I am so so grateful for. Thank you from the bottom of my heart x
    Originally posted by brizzledfw
    And I think I can speak for all your virtual friends in returning the compliment!

    SSG x
    Finally Debt Free! - July 2016
    Finished Emergency Fund- £10,000 April 2017

    Next Scrimpy Goal - Save for New Kitchen!
    Surveys: PA: £15.78/£20; One Poll: £15.40/£40: Opinium: £10.50/£25; Panelbase: £5/£10; You Gov: 1625/5000 points (£50)
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