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LBM in 2003.. What have I been doing since??!

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Comments

  • scotdebs
    scotdebs Posts: 566 Forumite
    DFW I agree only so many body lotion sets you can get excited about! So I kind of turn my wants into need at Xmas so family and friends still feel they are treating me eg - there is lovely body scrub from x that I just haven't got round to getting or so & so do a lovely candle that I just can't seem to find in the shops lol - I get to fulfil all my mini needs and they think they have found the pressie of the century
    CC debt Aug 2018 £50.2K
    CC debt Nov 2018 £48.6K
  • brizzledfw
    brizzledfw Posts: 7,302 Forumite
    Debt-free and Proud!
    Just doing the accounts. Darn Xmas...so blooming expensive!!

    Going to have a good look at the spreadsheets tomorrow and see where we are

    Tired. Long week. Still not home but already thinking longingly of my bed!
    MFiT-T4 Member No. 96 - 2022 is my MF goal :D
    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::T
  • Piquant_2
    Piquant_2 Posts: 5,769 Forumite
    PPI Party Pooper Mortgage-free Glee! Debt-free and Proud!
    Hopefully you'll be home soon - nice glass of wine then bed?
    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



  • More wine talk!!! If only.............:)

    Hope you get home soon and good luck looking at the spreadsheets - always makes things seem a bit better.
    Debt Oct '13 - [STRIKE]£44,076[/STRIKE] £41,578 5.7% cleared
  • brizzledfw
    brizzledfw Posts: 7,302 Forumite
    Debt-free and Proud!
    WOW Piq:T:T:j:j:beer::beer:

    Check out that chain symbol!! Piq is officially DEBTFREEEEEEEEEE!!!

    WHOOP WHOOP

    I am so thrilled. What a day :D

    Yes couple of glasses..well it would have been rude not to ;)
    MFiT-T4 Member No. 96 - 2022 is my MF goal :D
    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::T
  • brizzledfw
    brizzledfw Posts: 7,302 Forumite
    Debt-free and Proud!
    Hello all

    Well we made the most of this lovely mild and sunny day with a long long walk around Cheddar Gorge. Haven't been there for years and it was great. Walked for around 2.5 hrs and then collapsed ( lots of steep hills after all!) into a fab pub nearby for bar snacks. Delish and a treat we all really cherished. I think that's been one of the best things about this journey towards DFdom has been learning to appreciate everything and treats are to be earnt and thought about rather than becoming the norm, the everyday.

    Going to church tomorrow and then out out for a family meal. So an expensive week what with Xmas but hopefully we will scrape through. Most presents bought for immediate family, just need to sort the reminder, and make that vodka!! Luckily have bought the ingredients.

    OH has done some OT too which will all help.

    Lots of OPs haven't gone through as despatched them on Friday eve when I left work and could look at the totals but am hoping I am getting tantalisingly close to the £5k and then I can worry about :

    1. £1.5k for skiing
    2. Xmas presents. Trad meal is probably off and it'll be a wicked brunch instead! ;)
    3. House insurance which I think will be around £300 but will try and use QuidCo etc etc..

    Onwards and upwards. Hope everyone is jolly but hugs to those who need 'em
    MFiT-T4 Member No. 96 - 2022 is my MF goal :D
    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::T
  • Hey brizzle - i think you have encapsulated the things we learn to appreciate in treats being earned and special because they aren't an everyday occurence. Sounds like fab family time was had - you'll be hitting the 4's next :D

    Scotdebs - hi :wave: Next time i'll definitely do that 'ooh i've been looking for' but still worry my gifts are deemed far too practical to be gifts :rotfl:

    Hope everyone is well x
    CC1:T £[STRIKE]2531[/STRIKE] £1460
    MORTGAGE OVERPAYMENTS: £10575.20 Target £12,100
    MF Date: [STRIKE]August 2042[/STRIKE] May 2035
    Declutter 1000 things by Xmas 2015! 53/1000
  • Hi Brizzle, you're right this journey makes you value and appreciate everything. I would rather have less stuff in my life, more time with my family and treasure what we have together.

    Good luck with your OPs.

    Tilly x x
    2004 £387k 29 years - MF March 2033:eek:
    2011 £309k 10 years - MF March 2021.
    Achieved Goal: 28/08/15 :j
  • Piquant_2
    Piquant_2 Posts: 5,769 Forumite
    PPI Party Pooper Mortgage-free Glee! Debt-free and Proud!
    Hi Brizzle, you're right this journey makes you value and appreciate everything. I would rather have less stuff in my life, more time with my family and treasure what we have together.

    Good luck with your OPs.

    Tilly x x

    Ditto! It's a hard journey but you really do value people and time above money by the end of it.
    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



  • Awww Brizzle this is what we're just finding, we really appreciate the 'treats' when we allow them but in between those times there is just so much loveliness that can be found with family and friends that we appreciate even more :)

    Getting rid of debt AND learning stuff, can't be bad can it?! ;)
    Debt Oct '13 - [STRIKE]£44,076[/STRIKE] £41,578 5.7% cleared
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