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  • FIRST POST
    • brizzledfw
    • By brizzledfw 5th Jan 12, 3:32 PM
    • 7,159Posts
    • 34,769Thanks
    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 200 items before 31.01.18 xx/200 ** LSDs Target 10 for Winter 0x/10 **AFDs xx/15 ** Sales Target '17 £750 £225 so far
    **NSDs Target 10 for Winter xx/10 Trying to be a Frugalista
Page 218
    • beanielou
    • By beanielou 6th Oct 17, 6:14 PM
    • 49,035 Posts
    • 182,045 Thanks
    beanielou
    I think you are doing just great.
    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***
    • greent
    • By greent 7th Oct 17, 10:22 AM
    • 6,507 Posts
    • 65,678 Thanks
    greent
    and then starting the university open day rounds. Looking forward to this next adventure
    Originally posted by brizzledfw
    Oooh - have fun! There's a big difference, we found, in accom standards & costs! Whatever, it's the one which your offspring likes the course/ feel of surroundings which is most important

    Much as we enjoyed it, we also spent quite a lot on it - occasional overnights in a hotel if far away (Newcastle, Leeds), petrol, bridge tolls, parking, food etc - it added up to quite a decent amount
    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) £5278/£3286
    Net sales 2017 £1259.72/£500 PAYDOX17 £12239/£10k Decluttered 1870/2017 items
    • beanielou
    • By beanielou 7th Oct 17, 1:14 PM
    • 49,035 Posts
    • 182,045 Thanks
    beanielou
    Hope all goes well.
    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***
    • Eager_Elephant
    • By Eager_Elephant 8th Oct 17, 8:34 AM
    • 4,117 Posts
    • 22,843 Thanks
    Eager_Elephant
    :then starting the university open day rounds. Looking forward to this next adventure
    Originally posted by brizzledfw
    I agree with greent about the standards of accommodation.

    DS always knew he was going to Leicester as he had been there for Space School when he was a teenager and knew they had one of the best Physics departments so we only had to look at accommodation.

    My one stipulation was that he had to have his own toilet and shower - some of the cheaper accommodation had up to 10 people sharing a toilet and shower room. I know that the chances of it being cleaned regularly were slim to none so we opted for the mid-range accommodation where they got a decent size bedroom/study area, ensuite bathroom with toilet. There were 6 people on his landing which is just enough I think to share a quite large kitchen/dining area.
    Ninja Saving Turtle No. 15 for November
    NSD - 1/15
    (up to 01/11/17)
    My Diary is here - http://forums.moneysavingexpert.com/showthread.php?t=2175629 (Eager Elephants Effective Everyday Excursion)
    • beanielou
    • By beanielou 8th Oct 17, 7:24 PM
    • 49,035 Posts
    • 182,045 Thanks
    beanielou
    The joys of university accomodation ~~ not.
    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***
    • MoneyMission
    • By MoneyMission 8th Oct 17, 9:05 PM
    • 605 Posts
    • 2,999 Thanks
    MoneyMission
    Gosh - uni. Seems so grown up doesn't it? I'm off to a college open evening next week for DS - even that seems a bit unreal let alone uni!
    MFW 2017 challenge (No.39) £4,469.00 / £3,450.00 (129.54%)
    MFW 2016 challenge (No. 39) £3,791.00 / £3,300.00 (114.88%)
    • Seasidegal58
    • By Seasidegal58 9th Oct 17, 10:38 AM
    • 1,173 Posts
    • 6,600 Thanks
    Seasidegal58
    DD's uni experiences are lost in the mists of time for me!

    Hope OH managed to sort out the the loft and potential eBay items!
    Finally Debt Free! - July 2016
    Finished Emergency Fund- £10,000 April 2017

    Next Scrimpy Goal - Save for New Kitchen!
    My debt free diary - " Paid off the £31,000 - BUT still scrimping!"
    • brizzledfw
    • By brizzledfw 12th Oct 17, 7:56 AM
    • 7,159 Posts
    • 34,769 Thanks
    brizzledfw
    Thanks everyone for your comments. She is determined to take a gap year - a rest from exams and study and instead work and travel. I also think she has nothing to compare with so am looking forward to her seeing a few more this month.

    It will be a pricey month. I am away with the girls and a dear friend and her kids over Half Term and we have these uni trips to fund. But all paid for except the food, excursions etc for the trip. I will put together a budget for that this week and stick to that. I do have about €100 in change which should help. We are going to Amsterdam

    Slow but steady on the MSE front. I have been working hard so no time to be spending money and OH has been amazing with creating fancy meals from the stores. Stuffed butternut squash and winter veg last night. Also got a decent slug of OT so it all helps

    Hope everyone well, will catch up soon and breathe...
    Last edited by brizzledfw; 13-10-2017 at 8:47 AM.
    MFiT-T4 Member No. 96 - 2022 is my MF goal
    Winter 17/18 Savings Rate Goal: 25% [October 30%]
    Declutter 200 items before 31.01.18 xx/200 ** LSDs Target 10 for Winter 0x/10 **AFDs xx/15 ** Sales Target '17 £750 £225 so far
    **NSDs Target 10 for Winter xx/10 Trying to be a Frugalista
    • NoOneAround
    • By NoOneAround 13th Oct 17, 1:03 PM
    • 1,609 Posts
    • 7,753 Thanks
    NoOneAround
    All sounds very busy with work Brizzle, Amsterdam trip sounds fun and something to look forward to.
    Hope the uni trips go well. - I managed to get away with not doing them until after offers came through as DD had strong ideas of where she didn't want to be!
    Have a lovely weekend
    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
    • beanielou
    • By beanielou 13th Oct 17, 3:26 PM
    • 49,035 Posts
    • 182,045 Thanks
    beanielou
    My DS only did 2 visits.
    & one was with his dad!
    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***
    • jwil
    • By jwil 13th Oct 17, 3:49 PM
    • 7,806 Posts
    • 22,383 Thanks
    jwil
    Amsterdam sounds fab!
    "If you can dream it, you can do it". Walt Disney
    • brizzledfw
    • By brizzledfw 13th Oct 17, 3:59 PM
    • 7,159 Posts
    • 34,769 Thanks
    brizzledfw
    Thanks guys. Yes looking forward to it very much.

    Frantic week at work has finally closed. Shattered. Now looking forward to a roast dinner and may make a banoffee pie for no particular reason other than I fancy one..

    In other news..cooker has finally given up ghost. New one coming next Tuesday and £40 discount as it's an ex-display. Also decluttered 40 items to CS so will update my signature.. Monies landed in the household pot today so immediately siphoned off to NW savings account i.e. the tax fund and also to final M£NA card. I so so want that gone....

    Hope everyone having a good day x
    MFiT-T4 Member No. 96 - 2022 is my MF goal
    Winter 17/18 Savings Rate Goal: 25% [October 30%]
    Declutter 200 items before 31.01.18 xx/200 ** LSDs Target 10 for Winter 0x/10 **AFDs xx/15 ** Sales Target '17 £750 £225 so far
    **NSDs Target 10 for Winter xx/10 Trying to be a Frugalista
    • beanielou
    • By beanielou 13th Oct 17, 4:02 PM
    • 49,035 Posts
    • 182,045 Thanks
    beanielou
    Banoffee pie
    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 13th Oct 17, 4:05 PM
    • 7,159 Posts
    • 34,769 Thanks
    brizzledfw
    I love 'em and haven't had a slice in ages and ages.. my treat to myself
    MFiT-T4 Member No. 96 - 2022 is my MF goal
    Winter 17/18 Savings Rate Goal: 25% [October 30%]
    Declutter 200 items before 31.01.18 xx/200 ** LSDs Target 10 for Winter 0x/10 **AFDs xx/15 ** Sales Target '17 £750 £225 so far
    **NSDs Target 10 for Winter xx/10 Trying to be a Frugalista
    • Sun Addict
    • By Sun Addict 13th Oct 17, 4:42 PM
    • 4,731 Posts
    • 28,158 Thanks
    Sun Addict
    Everything sounding good in Brizzle land Trip to Amsterdam will be fab!
    Virtual Sealed Pot 2018 £20.70
    December 3 NSD
    Weight loss 2/7lbs
    Mr SA finally in remission December 2013
    • Greying Pilgrim
    • By Greying Pilgrim 13th Oct 17, 5:02 PM
    • 3,932 Posts
    • 43,532 Thanks
    Greying Pilgrim
    Hey brizzle

    Just to update you, I've been knocked back for my ppi (ccp) claim. The bank reckon because i can't remember in detail, the absolute principles of the sick pay cover for my job 17+ years ago, and because I can't remember whether I had personal savings of buttons or £000's, I was, apparently, a *good fit* for insurance..............................

    80llc0cks

    There is a glaring detail on the form - that I made them aware of in my claim, that highlights that i didn't select ppi cover...................

    Banks are allowed to dispose of your records after 6 years (I think), but the minute you don't have employment and financial records going back almost 3x that, you're *wrong*........

    17+ years ago I was employed in the public sector. I don't know, but I rather suspect that sick pay was faaarrrrrrr more generous then than it is now.......... I could be wrong....... And as for the savings, yes, it probably was buttons, but did I ever buy anything on my cc that took me up to my limit......... er nope........

    Anyhoo, jus fort I'd let y'all know

    Greying X
    'Ich habe genug'

    'I am not in the pursuit of happiness, only in the discovery of joy' - Joyce Grenfell
    • beanielou
    • By beanielou 13th Oct 17, 5:42 PM
    • 49,035 Posts
    • 182,045 Thanks
    beanielou
    GP~~Take it to the manny.

    http://www.financial-ombudsman.org.uk/
    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***
    • MoneyMission
    • By MoneyMission 14th Oct 17, 8:43 AM
    • 605 Posts
    • 2,999 Thanks
    MoneyMission
    Banoffee pie consumption has just increased up and down the country! Merest mention of it has several of us scrambling for the ingredients!
    Last edited by MoneyMission; 14-10-2017 at 6:52 PM.
    MFW 2017 challenge (No.39) £4,469.00 / £3,450.00 (129.54%)
    MFW 2016 challenge (No. 39) £3,791.00 / £3,300.00 (114.88%)
    • Greying Pilgrim
    • By Greying Pilgrim 14th Oct 17, 10:45 AM
    • 3,932 Posts
    • 43,532 Thanks
    Greying Pilgrim
    GP~~Take it to the manny.

    http://www.financial-ombudsman.org.uk/
    Originally posted by beanielou
    Thanks beanie love.

    Greying X
    'Ich habe genug'

    'I am not in the pursuit of happiness, only in the discovery of joy' - Joyce Grenfell
    • Seasidegal58
    • By Seasidegal58 14th Oct 17, 5:09 PM
    • 1,173 Posts
    • 6,600 Thanks
    Seasidegal58
    Re the ppi payment - I know itís not the done MSE thing but my friend has received back over £10,000 through using one of the claim companies. Obviously they took a cut but did all the hard battling for her and came up trumps....
    Finally Debt Free! - July 2016
    Finished Emergency Fund- £10,000 April 2017

    Next Scrimpy Goal - Save for New Kitchen!
    My debt free diary - " Paid off the £31,000 - BUT still scrimping!"
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