We’d like to remind Forumites to please avoid political debate on the Forum.
This is to keep it a safe and useful space for MoneySaving discussions. Threads that are – or become – political in nature may be removed in line with the Forum’s rules. Thank you for your understanding.
📨 Have you signed up to the Forum's new Email Digest yet? Get a selection of trending threads sent straight to your inbox daily, weekly or monthly!
LBM in 2003.. What have I been doing since??!
Comments
-
Yes it's a fab feeling. Couldn't resist updating my sig too...just now...even though its only down by £40 I couldn't bear to wait until Friday..this is becoming an absolute obsession:o
Just 2 more horrible cards to go. Like you pooh, the rental income will make a real difference. Van has disappeared again on its hols..:T
Hoping for a NSD today. The J.U.L.Y challenge is definitely keeping me focussed.
BrizzleMFiT-T4 Member No. 96 - 2022 is my MF goal
Winter 17/18 Savings Rate Goal: 25% [October 30%] :T
Declutter 60 items before 31.03.18 9/60 ** LSDs Target 10 for March 03/10 **AFDs 10/15 ** Sales/TCB Target 2018 £25/£500 NSDs Target 10 for March 02/10 Trying to be a Frugalista:rotfl::T0 -
Wow, your totals are evaporating!!! Amazing!!:j:j:j:T:T:T
Your van hire arrangement is excellent i think. Such a good way to make a few extra £££'s. Extra income makes such a massive difference. :money:
Hope you're having a lovely evening in this gorgeous weather!
0 -
Great news Brizzle
FANTASTIC news on getting rid of BC!! I can not wait to do the same
Our new tipple is disaronno here yumyum! Although it was cidre at the weekend (honest we're not alcoholics just the sun seems to make us thirsty )
Next target to get below £12k? Mortgage Overpayments 2024/25 - September-December, £152.46. J- £103.27, F- £115, M- £91.50, A- £100, M- £200, J- £200. J- £200. A-£200, S- £221.34. O-£200EF- £642.41/500
Total- £1783.67
Goal pay off 1% of current mortgage in 1 year. £1650
0 -
Hi Brizzle
Just read your diary and you have done great, even better now DH is aware.
I read a few pages back about Clarkes Outlet, are you aware there is an outlet in Weston? Next to Sainsbury's, its not as big but great offers.Total DebtLoan [STRIKE]£2500[/STRIKE]£2284.97
[STRIKE]£10350[/STRIKE]£9734.97
[STRIKE]Wonga £400[/STRIKE], CC1 £200, CC2 £250, Loan £5500, Overdraft £1500
September step up challenge (no 54) Food £81/£250, Petrol £80/£400, Entertainment £0/£200 -
Thanks Little Miss..no I didn't thanks for that. But closer than Street!
Thanks for reading it..I admire your stamina! Just shows you that even with a good income and lots of flickering LBMs you can still be struggling to live within one's income..combination of the L'Oreal slogan and blind optimism I think! :eek: I am still up and down on the journey but yes having OH on board is making a HUGE difference..
May be a NSD today..but think we had a grocery delivery from R@verford so probably not. Also need to see if OH went out for lunch..hope not, but you never know. Anyway that's it for potential spends so far and it's nearing home time!!!:TMFiT-T4 Member No. 96 - 2022 is my MF goal
Winter 17/18 Savings Rate Goal: 25% [October 30%] :T
Declutter 60 items before 31.03.18 9/60 ** LSDs Target 10 for March 03/10 **AFDs 10/15 ** Sales/TCB Target 2018 £25/£500 NSDs Target 10 for March 02/10 Trying to be a Frugalista:rotfl::T0 -
Hi all
Extraordinary call for BC asking me to not close my account..I was fairly terse I can tell you! What more can they want but a signed letter??? There was no ambiguity about my request..they gave up talking to me though when I said I didn't have my card number to hand as I had already cut it up!:rotfl:
No word from T@sco though so may need to chase that one.
Spends day yesterday but still well ahead on the budget which is good.:D:D. I am loving the running total caused by having everything including regular scheduled payments like bills plugged into the Moneywhi@@ app. In her diary Mrs T asked me what I planned to do with the balance when I am debt free...think it has to be an all out assault on the mortgage...but thinking about it. A good holiday would be just the ticket actually!:T:rotfl:
So what's in store for this weekend:
- desperate need of a haircut...hair down to my knees it feels like
- allotment..I must, I must plant the spinach and chard before this weather breaks. Already late
- enjoy some time with family, chilling
- meal plan for next week and carry on running down freezer and larder
- some work..but not too much!
Love the fact that its not too hectic this weekend. I am looking forward to a few weeks of less travelling! That'll be nice. Home or local working for me...seriously helps me and focusses me when I can concentrate in one place for a day MFiT-T4 Member No. 96 - 2022 is my MF goal
Winter 17/18 Savings Rate Goal: 25% [October 30%] :T
Declutter 60 items before 31.03.18 9/60 ** LSDs Target 10 for March 03/10 **AFDs 10/15 ** Sales/TCB Target 2018 £25/£500 NSDs Target 10 for March 02/10 Trying to be a Frugalista:rotfl::T0 -
Just caught up! Great news that you've got rid of BC....and the cheek of them asking you not to close the account.:eek: Good riddence!
Sounds like everything is going to plan brizzle.:)
xxDMP with CCCS started Jan12 £34,906 Jan13 £31,893 Jan14 £26,836 Jan15 £21,894 Jan16 £16,839 Jan17 £14,415 Jan19 £12,938ish Jan19 £9,649 Jan20 £6612 Feb 21 0 Self managed from Jan'17
Jan 18- Bcard1 £0,Bcard2(PRA) £0,C@ptl £0,Ybank,£0,Virgin/MBNA £0,YB1 £0,S@ntader £0,Bcard loan £0,
DFD - [STRIKE]Jan 2027[/STRIKE] [STRIKE]Nov 2018 [/STRIKE][STRIKE]Jan 2019[/STRIKE] - DFD 28 Feb 20210 -
Cheeky whatnots! My cc that I am paying off has just had my credit limit raised by £5k despite the fact I haven't used it for years. Complete madness!Total debt at October 2008: £67,213.30
Total debt today: £0 - debt and mortgage free 29th November 2013 :T
Sealed Pot Challenge member 14
Save £12K in 2014 - £6,521.90/£6K member 138
0 -
Just to contrast, got a letter from Mr T this morning saying all closed and thanks for your custom. Much better.
Sitting in hairdressers. Boy is it hot today!! All good tho and looking forward to weekendMFiT-T4 Member No. 96 - 2022 is my MF goal
Winter 17/18 Savings Rate Goal: 25% [October 30%] :T
Declutter 60 items before 31.03.18 9/60 ** LSDs Target 10 for March 03/10 **AFDs 10/15 ** Sales/TCB Target 2018 £25/£500 NSDs Target 10 for March 02/10 Trying to be a Frugalista:rotfl::T0 -
And more good news...our gas DD will be reduced by a whole £17 from 1 August..down now to a very respectable £38 pm. Just shows you how the woodburner and being mean with the heating can help reduce costs!
Very pleased..although have just spent £12 Of my forecast windfall (!) on the most wonderful strawberries and Pakistani honey mangoes...they are awesome. Very pleased with my local greengrocers! My absolute favourites. I may have to make sure I gorge the lot and don't share with anyone!:rotfl:MFiT-T4 Member No. 96 - 2022 is my MF goal
Winter 17/18 Savings Rate Goal: 25% [October 30%] :T
Declutter 60 items before 31.03.18 9/60 ** LSDs Target 10 for March 03/10 **AFDs 10/15 ** Sales/TCB Target 2018 £25/£500 NSDs Target 10 for March 02/10 Trying to be a Frugalista:rotfl::T0
Confirm your email address to Create Threads and Reply
Categories
- All Categories
- 352.1K Banking & Borrowing
- 253.5K Reduce Debt & Boost Income
- 454.2K Spending & Discounts
- 245.1K Work, Benefits & Business
- 600.7K Mortgages, Homes & Bills
- 177.5K Life & Family
- 258.9K Travel & Transport
- 1.5M Hobbies & Leisure
- 16.2K Discuss & Feedback
- 37.6K Read-Only Boards