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

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  • debtfreewannabe321
    debtfreewannabe321 Posts: 7,234 Forumite
    Name Dropper Photogenic First Post First Anniversary
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    Your Valentine's treat sounds lovely and very MSE ;)

    Enjoy your Sunday, sun is finally shining here! :)
    MAY 2024 GOALS MFW #17 EF Goal 2 complete! EF total £2003.40! ~ NSD 14/15 ~ FOOD & TOILETRIES BUDGET £569.34 / £500 ~ MOP- 0/50
    MORTGAGE BALANCE JAN 1st £99224.13 ~~~ MAY 1st £97,285.47
    https://forums.moneysavingexpert.com/discussion/6496485/buying-a-little-piece-of-middle-england#latest
  • brizzledfw
    brizzledfw Posts: 7,302 Forumite
    Debt-free and Proud!
    edited 16 February 2014 at 11:06AM
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    Woken up to a wind free :) sunny day. This is more like it!!

    Planning to go for a walk and take it easy. Bliss.

    Paying off the Xmas CCs in full this week and then I can concentrate on the remaining CC on my sig again. Really want to start throwing the cash at it, but had a word with OH yesterday..we have been far too profligate with the treats recently (I think the weather hasn't helped) and we have to rein it in and stick to a budget..he says he is on board so here goes... Will keep my mates in the box posted :)
    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
  • daisystar
    daisystar Posts: 346 Forumite
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    Good luck with getting back to the budget - it feels good when you do (says me, spiralling out of budgetry control at the minute!!)


    You are so so close now and if all that 'treat' money can be directed onto the CCs then you'll be debt free before you know it :)


    Oh and the weather doesn't help ANYTHING at the moment does it, although the sun was finally shining today here, hope it was for you too!
    Debt Oct '13 - [STRIKE]£44,076[/STRIKE] £41,578 5.7% cleared
  • brizzledfw
    brizzledfw Posts: 7,302 Forumite
    Debt-free and Proud!
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    Thanks daisy, yes a beautiful day yesterday with a 3 hour walk along a very high river :eek:

    Quiet day today. Appointments for doc etc..but basically chilling with my girls. Trying to take it easy. Had a health assessment recently and that was one of the things they mentioned (no surprises there:rotfl:)

    Done some TTs and paid off the Xmas CC. Yippee. No heating on..just wearing 3 jumpers ;) Made a simple lunch of jacket pots, baked beans and cheese and salad. Lovely. Dinner tonight at my mums so pretty much a low spend day :)

    An Ebay item sold yesterday for over £20..so about £50 so far. Not bad, could have been better but it'll help. May get OH to find more bits in the loft to sell..he is more thorough than me on this kinda stuff! :)

    Off to get another cuppa and then try and get DDs to do some tidying..what are my chances do you reckon:p
    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!
    edited 17 February 2014 at 11:39PM
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    Well, new ambition..every day I will write out 5 'good' things on here, good things that are nice or useful things that have happened to me and / or the Brizzle family money wise...(not sure why it's 5.. :rotfl: but it's a nice number to start with! )

    1. Realised that the promised cash back (£25) from my house insurance renewal hadn't appeared. Chased it a fortnight ago. Chased again last week. Result is apology and apparently it has been transferred to my bank account today. Yeeha!
    2. £25 on an Ebay item. Makes it worth the hassle of listing etc, somehow, and means I am currently £50 up when added to 1 above ;) or £75 when added to previous sale today :) I feel positively wealthy :rotfl: ( well if you ignore the sig!)
    3. Heating off all day despite 4 peeps in the house..mean? (yes, probably! ;))
    4. Free dinner at Mums house this eve :)
    5. Free childcare for a few days from Mum...they will love it and so will the DDs...did have to give them some pocket money tho...so a small spend day

    There..got there, to 5. And feel better already :D
    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
  • Tilly_MFW_in_6_YRS
    Tilly_MFW_in_6_YRS Posts: 7,833 Forumite
    Mortgage-free Glee!
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    I think this is a lovely thing to do and does make you feel more positive.

    Best wishes, Tilly x x
    2004 £387k 29 years - MF March 2033:eek:
    2011 £309k 10 years - MF March 2021.
    Achieved Goal: 28/08/15 :j
  • beanielou
    beanielou Posts: 90,662 Ambassador
    Academoney Grad I'm a Volunteer Ambassador Mortgage-free Glee! Name Dropper
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    What a lovely list :)
    I am a Forum Ambassador and I support the Forum Team on Mortgage Free Wannabe & Local Money Saving Scotland & Disability Money Matters. If you need any help on those boards, do let me know.Please note that Ambassadors are not moderators. Any post you spot in breach of the Forum Rules should be reported via the report button , or by emailing forumteam@moneysavingexpert.com. All views are my own & not the official line of Money Saving Expert.

    Lou~ Debt free Wanabe No 55 DF 03/14.**Credit card debt free 30/06/10~** MFW. Finally mortgage free O2/ 2021****
    "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.     ***Keep plodding*** Out of debt, out of danger. ***Be the difference.***
    One debt remaining. Home improvement loan.
  • brizzledfw
    brizzledfw Posts: 7,302 Forumite
    Debt-free and Proud!
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    Thank you beanie and Mrs T

    Today's list..posted a little early...

    1. The sun shone on my way home and made me happier :)
    2. Using free cinema tickets this evening for a treat for me and Mr B
    3. Taking sandwiches and coffee into the cinema;) ( hope they don't catch us!) to ensure we don't crumble and buy snacks or dinner:rotfl: if we need a snack when we come home it will be eggs on toast :)
    4. Have done some TTs and no heating on today :T
    5. Will walk to and from cinema for exercise but also to save on a bus fare...go me :A

    Still no eggs from the chooks since the bonanza...darn '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
  • DedicatedDFW
    DedicatedDFW Posts: 4,234 Forumite
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    Hi,

    Popping in to say all is sounding good in the brizzle household :D

    well done on the sales :T

    Wha are you going seeing at the movies? :)
    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
  • grannyx2
    grannyx2 Posts: 3,455 Forumite
    First Anniversary First Post Combo Breaker
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    I hope you have a lovely time tonight.

    Granny x
    Targets
    Trip to Australia (On hold until 2022 now) to meet new grandson born jan 21!

    Lose 84lbs. Update (minus 65lbs mostly during lockdown as of 18.05.21)

    LBM : July 11 - £56,962
    DEBT FREE 21-05-21
    MORTGAGE FREE 13-06-18

    Loving my kitty cat

    https://forums.moneysavingexpert.com/discussion/3958715/return-to-solvency/p1
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