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  • FIRST POST
    • brizzledfw
    • By brizzledfw 5th Jan 12, 3:32 PM
    • 7,214Posts
    • 35,210Thanks
    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 28.02.18 xx/60 ** LSDs Target 10 for Feb 02/10 **AFDs 14/15 ** Sales/TCB Target 2018 £11/£500 NSDs Target 10 for Winter 02/10 Trying to be a Frugalista
Page 222
    • greent
    • By greent 22nd Nov 17, 9:14 AM
    • 6,692 Posts
    • 68,874 Thanks
    greent

    I am taking the time to breathe...life is good.
    Originally posted by brizzledfw
    Lovely to read this xx
    I am the master of my fate; I am the captain of my soul
    Repaid mtge early (orig 11/25) 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) £36.39/£4000
    Net sales 2018 £20.45/£1000 PAYDOX18 (#15) £1429.16/£18694.38 Decluttered 273/2018 items
    • brizzledfw
    • By brizzledfw 1st Dec 17, 4:57 PM
    • 7,214 Posts
    • 35,210 Thanks
    brizzledfw
    Thanks all, blimey I have been MIA..sorry. RL is full on, too full on. I am now about to collapse in a heap and thank goodness that I don!!!8217;t need to go out again. Have a cold and feel shattered. Think a hot bath and a glass of wine may be in order. In that order or in parallel...

    Hope everyone is doing well. It!!!8217;s a stressful time money wise isnt it? Balancing expectations of time, money, gifting etc...and the year end suddenly meaning everything I have put off at work suddenly needs completing. I also don!!!8217;t like the dark cold nights, makes me feel cold inside and stops me running. I am also carrying a lot of paperwork to and from work in a rucksack and it gives me hip strain which stops me running...I need to change this I think as I am hoping to take part in a race in the Spring and at this rate it just won!!!8217;t happen as I won!!!8217;t have put in the miles.

    YNAB is looking a mess. Lots of red. But probably salvageable...must take a look over the weekend. Paying in advance for holiday stuff hasn!!!8217;t helped at all..but very keen not to just put it on a card... right behaviours....just trying to wrestle with the consequences!!!

    Some nice things sorted for the weekend. Will try and read diaries this evening and also keep in touch a bit more.

    Lots of hugs

    Brizzle x
    MFiT-T4 Member No. 96 - 2022 is my MF goal
    Winter 17/18 Savings Rate Goal: 25% [October 30%]
    Declutter 60 items before 28.02.18 xx/60 ** LSDs Target 10 for Feb 02/10 **AFDs 14/15 ** Sales/TCB Target 2018 £11/£500 NSDs Target 10 for Winter 02/10 Trying to be a Frugalista
    • pennywisepoundstupid
    • By pennywisepoundstupid 1st Dec 17, 5:41 PM
    • 4,632 Posts
    • 15,390 Thanks
    pennywisepoundstupid
    Enjoy your glass of wine and I hope you feel better soon.
    Be mindful of your self-talk. It's a conversation with the Universe."
    Debt free and saving for my future
    Long term savings £10,000 Holiday spends £349.02 General savings £160.24
    Clothes challenge £250/£36.63
    • Sun Addict
    • By Sun Addict 1st Dec 17, 8:23 PM
    • 5,245 Posts
    • 33,297 Thanks
    Sun Addict
    Good to hear from you. Lots of bugs going round at the moment, hope you feel better soon x
    Virtual Sealed Pot 2018 £171.18
    Jan NSDs 7 Feb AFDs 5
    Weight loss 5/10LBS Emergency Fund £2000/£10,000
    April holiday £0/£900
    Dining room fund £50
    • Seasidegal58
    • By Seasidegal58 2nd Dec 17, 5:27 PM
    • 1,582 Posts
    • 9,443 Thanks
    Seasidegal58
    Yes hope you’re recovering brizzle. This time of year is always a bit mad and fraught - everything should be back to normal in a few weeks!
    Finally Debt Free! - July 2016
    Finished Emergency Fund- £10,000 April 2017

    Next Scrimpy Goal - Save for New Kitchen!
    My diary: “Paid off the £31,0000! BUT- still scrimping!”
    • beanielou
    • By beanielou 2nd Dec 17, 5:54 PM
    • 50,702 Posts
    • 194,294 Thanks
    beanielou
    Hope you are on the mend really soon.
    Take care 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***
    • PurpleFairy26
    • By PurpleFairy26 11th Dec 17, 6:58 PM
    • 2,011 Posts
    • 13,670 Thanks
    PurpleFairy26
    Hey Brizzle how you doing? assuming RL is just as crazy and busy getting ready for being away. Hope you're getting some time to enjoy stuff and things. Make sure you are taking care of your self (particularly carrying large amounts of paperwork around in snow and ice)

    I'm not running either and I don't like it, must get back on the horse.

    Purps.
    • NoOneAround
    • By NoOneAround 12th Dec 17, 9:31 PM
    • 1,714 Posts
    • 8,290 Thanks
    NoOneAround
    Hope you are feeling better Brizzle and that things are calming down a bit?
    NOA
    x
    Feb2014 Total unsecured debt £72,520>>01/06/16 £68166>01/02/17 £66,600=8.18%PAID
    Mortgage Jan14=209,800 Jan15=£200,300 Jan17£180,700>OCT17 £170,200
    Health/Fitness Challenges Priority#1 Stay Fit and healthy - whatever it takes
    Wombling Free Cash May2016 £51
    • brizzledfw
    • By brizzledfw 12th Dec 17, 10:01 PM
    • 7,214 Posts
    • 35,210 Thanks
    brizzledfw
    Hello dear readers.. so so sorry for the news blackout. RL is crazy busy and trying to pack to go away on the long haul trip. All good. Money a little wobbly but will update shortly. Thanks again for popping by - hope everyone good

    Xx
    MFiT-T4 Member No. 96 - 2022 is my MF goal
    Winter 17/18 Savings Rate Goal: 25% [October 30%]
    Declutter 60 items before 28.02.18 xx/60 ** LSDs Target 10 for Feb 02/10 **AFDs 14/15 ** Sales/TCB Target 2018 £11/£500 NSDs Target 10 for Winter 02/10 Trying to be a Frugalista
    • Seasidegal58
    • By Seasidegal58 14th Dec 17, 8:34 PM
    • 1,582 Posts
    • 9,443 Thanks
    Seasidegal58
    Nice to see you posting brizzle. Looking forward to hearing all your news.
    Finally Debt Free! - July 2016
    Finished Emergency Fund- £10,000 April 2017

    Next Scrimpy Goal - Save for New Kitchen!
    My diary: “Paid off the £31,0000! BUT- still scrimping!”
    • jwil
    • By jwil 21st Dec 17, 3:46 PM
    • 8,090 Posts
    • 23,882 Thanks
    jwil
    In case I don't get on again, hope you all have a lovely Christmas xx
    "If you can dream it, you can do it". Walt Disney
    • greent
    • By greent 21st Dec 17, 8:36 PM
    • 6,692 Posts
    • 68,874 Thanks
    greent
    Hope the trip is going well

    Have a lovely Christmas
    xx
    I am the master of my fate; I am the captain of my soul
    Repaid mtge early (orig 11/25) 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) £36.39/£4000
    Net sales 2018 £20.45/£1000 PAYDOX18 (#15) £1429.16/£18694.38 Decluttered 273/2018 items
    • Seasidegal58
    • By Seasidegal58 24th Dec 17, 8:25 PM
    • 1,582 Posts
    • 9,443 Thanks
    Seasidegal58
    Yes enjoy your trip brizzle. Hope you and your family have a lovely Christmas.

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

    Next Scrimpy Goal - Save for New Kitchen!
    My diary: “Paid off the £31,0000! BUT- still scrimping!”
    • Sun Addict
    • By Sun Addict 25th Dec 17, 6:51 PM
    • 5,245 Posts
    • 33,297 Thanks
    Sun Addict
    Merry Christmas Brizzle
    Virtual Sealed Pot 2018 £171.18
    Jan NSDs 7 Feb AFDs 5
    Weight loss 5/10LBS Emergency Fund £2000/£10,000
    April holiday £0/£900
    Dining room fund £50
    • Igamogam
    • By Igamogam 28th Dec 17, 11:05 AM
    • 5,505 Posts
    • 44,842 Thanks
    Igamogam
    Hope the trip is going well. Looking forward to hearing all about it
    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'
    • Seasidegal58
    • By Seasidegal58 31st Dec 17, 3:49 PM
    • 1,582 Posts
    • 9,443 Thanks
    Seasidegal58
    I hope you and your family have a wonderful New Year’s Eve brizzle and here’s to a very happy 2018.
    Finally Debt Free! - July 2016
    Finished Emergency Fund- £10,000 April 2017

    Next Scrimpy Goal - Save for New Kitchen!
    My diary: “Paid off the £31,0000! BUT- still scrimping!”
    • jwil
    • By jwil 6th Jan 18, 11:19 AM
    • 8,090 Posts
    • 23,882 Thanks
    jwil
    Happy New year! Hope you've had a good one
    "If you can dream it, you can do it". Walt Disney
    • NoOneAround
    • By NoOneAround 7th Jan 18, 8:44 PM
    • 1,714 Posts
    • 8,290 Thanks
    NoOneAround
    Happy New Year Brizzle! Look forward to hearing about your adventures.
    NOA
    x
    Feb2014 Total unsecured debt £72,520>>01/06/16 £68166>01/02/17 £66,600=8.18%PAID
    Mortgage Jan14=209,800 Jan15=£200,300 Jan17£180,700>OCT17 £170,200
    Health/Fitness Challenges Priority#1 Stay Fit and healthy - whatever it takes
    Wombling Free Cash May2016 £51
    • brizzledfw
    • By brizzledfw 19th Jan 18, 8:12 AM
    • 7,214 Posts
    • 35,210 Thanks
    brizzledfw
    Thank you everyone for your good wishes..much appreciated. Yes we had an absolutely awesome time. Such a special time. Hanging out together for 4 weeks was great and the wedding was amazing. Wouldn!!!8217;t have missed it for the world. Really every day was a highlight and that!!!8217;s a wonderful thing to be able to say. But if anyone is heading out that way I would definitely visit the Great Barrier Reef, Waiheke, Cape Palliser, the Tongariro Crossing and Kaikoura. The Banks peninsula is also so so beautiful...

    (Just writing that in the depths of the British winter has given me a slight pang!! The kids wanted to emigrate...distraught at having to come home )

    So now, back to reality but with some good changes (honest!) So far have been sleeping loads, probably due to some jet lag, but it!!!8217;s making a difference, exercising and not spending money. How good is that??

    I am not doing paid work today so will do some planning and try to start catching up. The meal planning is going well, both OH and myself are not drinking very much (in my case Day 9 of not drinking) spends have been groceries only (and just top up shops) and whilst it!!!8217;s early days I have done a couple of 4 mile runs without trashing my hip and I have done a financial plan (can!!!8217;t beat a nice spreaddie can you??! ) as we have some big bills to pay back from the trip and some more plans for great holidays which will take some saving for. We have even put some stuff on the Bay which should sell. If only DD2 didn!!!8217;t lose stuff we!!!8217;d be up by now.... OH also did a big declutter the day after we got back So.....the brain is whirring again. Paid work looks fine, but do need to find some more for the new FY. Need to get cracking on some bus dev and give that some attention. I also need to pay the tax bills, OH still needs to do his return (!) (last minute.com there!) but money for it is safely in the savings account. Phew.

    Having a lower mortgage payment every month helps, but it!!!8217;s too easy now not to make OPs, so that needs to start. I also need to get YNAB up to date (it can never cope with currency differentials and I can!!!8217;t be bothered to totally reconcile the CC statement with each transaction so will reconcile each account and then start again) and start properly budgeting again. But have to say really Really positive about life...it!!!8217;s so good to be refreshed and confident. Feel very blessed and well, long may it continue please!

    Have a great weekend folks

    Lots of love and hugs and optimism for your New Years

    Brizzle xx
    Last edited by brizzledfw; 19-01-2018 at 8:26 AM.
    MFiT-T4 Member No. 96 - 2022 is my MF goal
    Winter 17/18 Savings Rate Goal: 25% [October 30%]
    Declutter 60 items before 28.02.18 xx/60 ** LSDs Target 10 for Feb 02/10 **AFDs 14/15 ** Sales/TCB Target 2018 £11/£500 NSDs Target 10 for Winter 02/10 Trying to be a Frugalista
    • pennywisepoundstupid
    • By pennywisepoundstupid 19th Jan 18, 8:31 AM
    • 4,632 Posts
    • 15,390 Thanks
    pennywisepoundstupid
    Sounds as though you had an amazing time and lots of memories made.

    Well done on getting back on the MSE horse so quickly after the holiday, have a great weekend.

    xx
    Be mindful of your self-talk. It's a conversation with the Universe."
    Debt free and saving for my future
    Long term savings £10,000 Holiday spends £349.02 General savings £160.24
    Clothes challenge £250/£36.63
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