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  • FIRST POST
    • brizzledfw
    • By brizzledfw 5th Jan 12, 3:32 PM
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    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 xx/10 **AFDs xx/15 ** Sales Target 2018 xx/£500 NSDs Target 10 for Winter xx/10 Trying to be a Frugalista
Page 224
    • beanielou
    • By beanielou 2nd Feb 18, 9:13 PM
    • 50,550 Posts
    • 193,241 Thanks
    beanielou
    The car is just another thing I dident need.
    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 4th Feb 18, 7:09 PM
    • 7,195 Posts
    • 35,118 Thanks
    brizzledfw
    Pretty good weekend. Did some paid work, took a dear friend out to dinner which was great, did yoga and a 8 mile run (go me!) and now just chilling as my amazing OH finishes batch cooking and a huge load of curries for dinner this eve - yum yum-

    Back to work with a fairly brutal week this week. But forewarned and all that. Meal planning sorted and nice small perfectly formed budget on its way for Feb!! Have to see how it goes. Oh and 55 items to the clothes bank too.yay!! They are finally gone from the boot of my car

    Hope everyone is well and has had a good weekend. Have a good week too

    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 xx/10 **AFDs xx/15 ** Sales Target 2018 xx/£500 NSDs Target 10 for Winter xx/10 Trying to be a Frugalista
    • beanielou
    • By beanielou 5th Feb 18, 7:47 PM
    • 50,550 Posts
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    beanielou
    Glad that you had a good weeekend
    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***
    • Seasidegal58
    • By Seasidegal58 5th Feb 18, 8:24 PM
    • 1,582 Posts
    • 9,396 Thanks
    Seasidegal58
    Sounds a smashing weekend brizzle. 8 miles! I now feel like an lazy lump!

    And 55 clothes pieces gone with the wind! Well done!
    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!”
    • NoOneAround
    • By NoOneAround 5th Feb 18, 8:27 PM
    • 1,713 Posts
    • 8,269 Thanks
    NoOneAround
    Hi Brizzle,
    sounds like a lovely weekend. Good luck to OH for new role!
    55 items out is loads - do you count socks as 2

    Have a great week
    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 7th Feb 18, 8:14 PM
    • 7,195 Posts
    • 35,118 Thanks
    brizzledfw
    hello folks...just coming up for air...yes of course NOA...why don't you?? Yes, SSG felt like serious decluttering tbh and the run cleared the cobwebs.

    OH is up to his ears and then some, also doing another application for another role which is probably a more exciting opportunity but also drowning in work. Rather stressed out bunny this evening especially as DD1 forgot to put the oven on and the microwave is broken (as of two hours ago ) so the jacket potatoes have another hour (?) to cook. I have resisted takeaway..very MSE

    Did exercise 3 times in a row - Saturday - Monday but no chance for this evening or yesterday. But still..not bad.

    Working means that I have little time to spend money NO bad thing. But some spendy school trips coming up, including the DoE Gold for said DD1. £500. Wow. Didn't realise that but a once in a lifetime I guess. I have also sorted some of my business development 'to do' list although a few bits to go, and have some interest. I am also getting a long overdue invoice paid so thats handy as the VAT is due.

    Hope everyone is OK - sorry for the radio silence/ad hoc postings!!.

    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 xx/10 **AFDs xx/15 ** Sales Target 2018 xx/£500 NSDs Target 10 for Winter xx/10 Trying to be a Frugalista
    • beanielou
    • By beanielou 7th Feb 18, 8:24 PM
    • 50,550 Posts
    • 193,241 Thanks
    beanielou
    Good to see you.
    EEEk to the 500 quid for the trip.
    These trips are getting out of hand.
    One of my friends DD is going on some world challange thing next year at the cost of 4k plus. For a young person. I am still in shock.
    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 8th Feb 18, 8:07 AM
    • 7,195 Posts
    • 35,118 Thanks
    brizzledfw
    Thanks Lou. Yes I know and I didn!!!8217;t realise how much it would be when when started. She!!!8217;s done over year of volunteering etc and this would be another element. But how will some people manage it? Need to start paying this month so the small and perfectly formed budget will need to be stretched a little.

    Payout from TCB requested. Must look again into whether I can buy a weekly travel pass via TCB. Not always worth it, but could be. Have updated my signature. Shiny new goals

    Yesterday was a NSD. Every little helps

    Have a good Thursday all

    X

    PS anyone else hate this glitch that means that apostrophes seem to lead to a bunch of numbers in your post??? What is going on with this site?
    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 xx/10 **AFDs xx/15 ** Sales Target 2018 xx/£500 NSDs Target 10 for Winter xx/10 Trying to be a Frugalista
    • NoOneAround
    • By NoOneAround 8th Feb 18, 8:53 AM
    • 1,713 Posts
    • 8,269 Thanks
    NoOneAround
    All sounding good Brizzle I'm afraid I have let TCB lapse a bit - need to remember to check before purchases

    and thanks my targets might be more easily met and possibly exceed yours........
    a pair of shoes/boots, a pair of socks, a pair of tights, a pair of jeans/trousers, a pair of gloves, a pair of earmuffs, a pair of glasses (I have a bagful of about 20 waiting to go to specsvrs), .....pair of scissors/plier/shears........

    Have a lovely day!
    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
    • beanielou
    • By beanielou 8th Feb 18, 9:28 AM
    • 50,550 Posts
    • 193,241 Thanks
    beanielou
    Happy Thursday to you too Brizzled
    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***
    • Igamogam
    • By Igamogam 8th Feb 18, 8:44 PM
    • 5,505 Posts
    • 44,807 Thanks
    Igamogam
    Crikey £500......is she going out of the country to do 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'
    • brizzledfw
    • By brizzledfw 8th Feb 18, 8:50 PM
    • 7,195 Posts
    • 35,118 Thanks
    brizzledfw
    Hi Ig! Lovely to see you. No i dont think so. Its a 4 night expedition tho so imagine H&S supervisory costs are high. You never know she could be coming your way!!

    But it is a shock. Best get saving!
    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 xx/10 **AFDs xx/15 ** Sales Target 2018 xx/£500 NSDs Target 10 for Winter xx/10 Trying to be a Frugalista
    • Igamogam
    • By Igamogam 9th Feb 18, 11:02 AM
    • 5,505 Posts
    • 44,807 Thanks
    Igamogam
    Hi Ig! Lovely to see you. No i dont think so. Its a 4 night expedition tho so imagine H&S supervisory costs are high. You never know she could be coming your way!!

    But it is a shock. Best get saving!
    Originally posted by brizzledfw
    Ha ha! We are definitely on a popular DofE route and often see the groups slogging up the hill with over packed rucksacks. Feel for them when the weather is wet or too hot!
    My 2 DDs did their bronze and silver on "the door step" but the group knew the landscape round here like the back of their hands, so when it came to Gold they had to be shipped out to unfamiliar territory - one to Lakes and other to Arran..........didnt cost that much though I think you are probably paying for 'supply cover' if its teachers doing supervision - certainly that was an element of the costs we paid when ours did school trips - skiing /climbing etc .
    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 9th Feb 18, 8:05 PM
    • 1,582 Posts
    • 9,396 Thanks
    Seasidegal58
    to the spendy DoE expedition though what a great experience for your DD to look back on.

    The weird apostrophes are random. I’ve had them on a couple of my posts. There was an explanation for it somewhere on the boards but after reading it I didn’t understand it all!
    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!”
    • greent
    • By greent 10th Feb 18, 7:40 AM
    • 6,675 Posts
    • 68,724 Thanks
    greent
    Weren't the apostrophes apparently something to do with if people were posting on certain App1e devices? - whatever, it's a glitch the tech team were/ are aware of and were looking to sort, I think?

    DoE is certainly spendy - but a great experience
    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) £36.39/£4000
    Net sales 2018 £20.45/£1000 PAYDOX18 £991.65/£18654.16 Decluttered 225/2018 items
    • beanielou
    • By beanielou 10th Feb 18, 2:31 PM
    • 50,550 Posts
    • 193,241 Thanks
    beanielou
    Hope all well with you this weekend
    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 11th Feb 18, 8:15 PM
    • 7,195 Posts
    • 35,118 Thanks
    brizzledfw
    All good thanks. We have got away in the van so chilling at the moment in the mountains DD1 and DD2 working away on revision but beauty of it is without Wi-fi they are probably less distracted than usual.

    OH still applying for roles. The interview went well on Friday he thinks so fingers crossed

    Have a great week all 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 xx/10 **AFDs xx/15 ** Sales Target 2018 xx/£500 NSDs Target 10 for Winter xx/10 Trying to be a Frugalista
    • beanielou
    • By beanielou 11th Feb 18, 8:27 PM
    • 50,550 Posts
    • 193,241 Thanks
    beanielou
    Glad that you got away.
    Enjoy
    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***
    • Sun Addict
    • By Sun Addict 11th Feb 18, 9:08 PM
    • 5,218 Posts
    • 33,031 Thanks
    Sun Addict
    Fingers crossed for DH. Have a good week xx
    Virtual Sealed Pot 2018 £153.08
    Jan NSDs 4 Feb AFDs 1
    Weight loss 4/10LBS Emergency Fund £2000/£10,000
    April holiday £0/£900
    Dining room fund £150
    • brizzledfw
    • By brizzledfw 12th Feb 18, 7:40 PM
    • 7,195 Posts
    • 35,118 Thanks
    brizzledfw
    He got it. Thanks all. He!!!8217;s pleased. Sounds like it was an unanimous verdict as they called today to confirm. Will be just his thing too.

    Hope everyone is good. Cold here.. but wrapping up warm and kids making good use of onesies..
    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 xx/10 **AFDs xx/15 ** Sales Target 2018 xx/£500 NSDs Target 10 for Winter xx/10 Trying to be a Frugalista
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