We'd like to remind Forumites to please avoid political debate on the Forum... Read More »
📨 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??!
Options
Comments
-
Oh for an A$di in Hamilton. I used to love my local one in Dunfermline. Food is so expensive in NZ. There are only really 4 supermarkets but they are owned by the same 2 companies, so there's not really any competition. Most foodstuffs are imported from Oz.
Well done on the decluttering Brizzled. We've been slowly chipping away at some of our rooms but still have way too much stuff. Think we may have to do some more this weekend as it's looking a little gloomy outside.Diary: Conquering Debts Once and For All
CC1 Jan 2012 $875.32 / CLEARED
CC2 Jan 2012 $5,883.33 / June 2014 CLEARED
Mortgage Jan 2012 $382,997.08 / Sept 2014 $367,775.37
Business Loans Feb 2012 $48,407.52 / Sept 2014 $5,289.09
Ex mortgage - 89.07% debt paid0 -
I love a good declutter -I have a laundry basket full of clothes hiding on top of my wardrobe - really ought to get around to sorting and selling them. Whenever I go home I always end up getting rid of things, and I can't say I've ever missed any, except one t-shirt I mislaid in 09, and a leopard print cardigan, which may have been better off being lost... ;]LBM June'12; £3285.61
DFD [STRIKE]Aug'15[/STRIKE] Feb'13!
[July'12; £699.61] ♥ [emergency fund; £50/£500]
Mum; [STRIKE]£437.61 [/STRIKE] Elle; £50 Student Card; [STRIKE]£500 [/STRIKE]£350 MasterPoints Card; £300 Overdraft £2000.
0 -
Hi all (and a special hello and welcome to our NZ friends...havent been to the NI yet..but loved the SI when I went..) leopard print cardigan minii..now that sounds fun!!!
Al&I is great. In fact I am very impressed. OK I still get our organic veggie box delivery (plus milk etc) and I do go to the Co-+p cos its local and I am a committed user due to its ethical credentials....BUT....the Swiss sms are good. Its simple, there is not lots of choice and so it makes shopping easy. I am all in favour of that. I will look forward to popping in and I will probably get all I need...yeah OK there would be loads of stuff in sms that I might want but its what I need that counts...!
Over and out! Thanks for popping by xMFiT-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, you've been busy, well done! You're a shining, decluttering example to me and I am determined to make a start this weekend. I've put loads of work into reducing my outgoings, but done nothing to increase my incomings. And the thought of swapping some of my clutter for cash is very appealing! Ebay just has to be my next project, but I've been putting it off for a couple of months now. I seem to have a bit of a mental block with it, not sure why :cool:.LBM Dec 2011. Aimed, but failed, to clear all unsecured debt by Feb 2019. Finally free of unsecured debt 21st May 21!
Debt Dec 11: Unsecured £69,579 + Mortgage £59,948 = £129,527
Debt May 21: Unsecured ZERO! ZILCH! Mortgage £22,3320 -
aww how sweet of your dd to keep thanking you, if that were my son i'd get a 'hmph, hope you haven't thrown anything away cos i'm getting it back out the bin, grumble grumble' lol!
Well done on all the decluttering. I de-cluttered last year and it needs doing again already *sigh* too many toys- too little space!MORTGAGE BALANCE when we moved Aug 2024, £120,000. January 1st £118,267.06. May 1st, £116, 123, June 1st, £115,536, New mortgage added for extension- £165,000 July 1st!Mortgage Overpayments - September-December, £152.46. J- £103.27, F- £115, M- £91.50, A- £100, M- £200, J- £200. J- £200. Aug-£200.
Total- £1362.23
Goal pay off 1% of current mortgage in 1 year. £1650
EF- first goal £300
0 -
hi guys
well.....hit AL$I in a rush as OH had somewhere else to go to with DD1 and it didnt go well..am £21.00 over my groceries budget (revised one)...it was all such a rush with everyone chucking stuff in the trolley that I couldnt keep track. Took a list but am not sure some items were necessarily that cheap (eg. porridge oats at 79p..think they are cheaper at the co=p tbh) and we got some extras too.
Feel disappointed at myself really as last night I had such high hopes:(
Plus I was also to blame...lets be honest about this..in this virtual world:o..I also bought some really well priced fish for the freezer and some dark chocolate..so I know where the extra went. 3 bottles of wine as well..some great SB for £5.49 and some PG (purchased in honour of the great Mrs PG for £3.49)..I will have a taste competition between them all later/over the week!
So..onwards and upwards. Tbh even with the overspend its still the smallest amount we have ever EVER spent on groceries in a month so I guess we should feel good about that and the real message is that even with a list, hitting the sm in a rush is not MSE!!! You make bad judgements!
Last night was good - good company and MSE wise - spent £8.50 on food and £21.00 on drinks (some for other people I hasten to add). Anyway grabbing a few minutes with a cuppa before I go to the hairdressers..(got the date wrong, it was today!)...will read a few diaries and ignore the kitchen surfaces!! One good thing is that we needn't buy another thing this weekend (unless I find a pair of great work boots!)
On the decluttering.. for those of you with LOs, it was much easier with DC at school. But it was the listing that took me aback..its so easy to do it. That was my block Happy Now..but with some photos and the quick listing its great and sometimes even free. Do you have a PayPal account? Even if some of these items dont go then it was worth a try and I think I posted on here (or on one of your diaries anyway!) that some items its worth keeping hold of..a CD single that Music Magpie wouldnt buy is now on Amazon for over £20...we have a copy so when he gets a chance OH will list it and see what he gets.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 -
I love a good declutter -I have a laundry basket full of clothes hiding on top of my wardrobe - really ought to get around to sorting and selling them. Whenever I go home I always end up getting rid of things, and I can't say I've ever missed any, except one t-shirt I mislaid in 09, and a leopard print cardigan, which may have been better off being lost... ;]
Ooooh, I had a rather fetching leopard print jumper, although I don't wear it, I can't bear to part with it. Holds some very fond memories !!:)LBM July 2011 - Finally took control Nov 2011 DFD Sometime in the distant future ! :eek:
Total debts Nov 2011 [STRIKE]£96796.75[/STRIKE]:eek:
Total Debts JUL 2020 £00.00
Cleared Jul 2020 £96796.75:T
Emergency Fund / Rainy Day - £5500 . DMP Mutual Support Thread 4280 -
brizzled the taste test sounds fun !!! Can I join in ?!!!:rotfl::beer:LBM July 2011 - Finally took control Nov 2011 DFD Sometime in the distant future ! :eek:
Total debts Nov 2011 [STRIKE]£96796.75[/STRIKE]:eek:
Total Debts JUL 2020 £00.00
Cleared Jul 2020 £96796.75:T
Emergency Fund / Rainy Day - £5500 . DMP Mutual Support Thread 4280 -
Hurrah for other leopard print lovers! You have inspired me to get on with ebaying some of my stuff. Have just decluttered my wardrobe (again) and am frankly horrified by how much I own. Some of this stuff was only bought last month and I'd already forgotten about it. *guilty*
May put a ban on new clothes...LBM June'12; £3285.61DFD [STRIKE]Aug'15[/STRIKE] Feb'13!
[July'12; £699.61] ♥ [emergency fund; £50/£500]
Mum; [STRIKE]£437.61 [/STRIKE] Elle; £50 Student Card; [STRIKE]£500 [/STRIKE]£350 MasterPoints Card; £300 Overdraft £2000.
0 -
Hi, just a speedy drop by..
Minii..try vintage and charity shops as part of a gradual 'detox process'??! May be worth a try..or even do a swaps party with friends??
My latest news is £3.03 from the solar panels today....it's BRILLIANT!!! :T
Have a great eve guys. Now about to have an eve in with more SB..PG..it's the Freemans Bay one..it's not top but it's sliding down nicely!!: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
- 351.2K Banking & Borrowing
- 253.2K Reduce Debt & Boost Income
- 453.7K Spending & Discounts
- 244.2K Work, Benefits & Business
- 599.3K Mortgages, Homes & Bills
- 177K Life & Family
- 257.6K Travel & Transport
- 1.5M Hobbies & Leisure
- 16.2K Discuss & Feedback
- 37.6K Read-Only Boards