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LBM in 2003.. What have I been doing since??!
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Fab news Brizzle. I would definitely pay off the debts and then start saving for the pots to overpay the mortgage etc. How exciting. I think you're the first person, amongst the diaries I follow, that will be debt free. Please do share what it feels like when you get there.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 -
What amazing news. All I can add is my congratulation and say that your posts are inspirational and we would hate to lose your thoughts and advice for us if you dipped out.
Take care and savour the moment when it comes
XXXE.F. #38 240.55/1000 SPC8 #375
DFBXmas 2015 #162 18554 /18554 100%0 -
Thanks everyone. BoF..I am blushing with pride
Aaw Magsnoodle..that's a lovely thing to say. Believe me I couldn't have done it without my friends in the box..they drive me on!
Absolutely shattered today and it's only Monday :eek: so can't stay long! But yes TTs today and not spent a bean so far. Need to find out if OH has.. We have 2 goals for this week..meal planning and grocery shopping of no more than £3 per day for the next 10 days...so £30. Should cover us for fresh stuff, milk etc so let's see how it goes.
I plan to think of 3 goals each week...as well as trying to think of 5 good or positive things every day too. I have felt more positive recently..lots of reasons for it in RL, but counting my blessings, our blessings, is certainly a good part of it.
Have a good eve folks
Brizzle 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 -
Perkier this morning
Done the TTs and just grabbing a second cuppa before I venture out to work. Feeling quite positive.
Willing the money down but just now want to grab some time to rework the budget....and not sure when that will happen this week or at the weekend as we are away. Oh well. Maybe my best ideas will come out of reflection so some thinking time is no bad thing..
Have a good day folksMFiT-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 -
brizzledfw wrote: »Perkier this morning
Done the TTs and just grabbing a second cuppa before I venture out to work. Feeling quite positive.
Willing the money down but just now want to grab some time to rework the budget....and not sure when that will happen this week or at the weekend as we are away. Oh well. Maybe my best ideas will come out of reflection so some thinking time is no bad thing..
Have a good day folks
I am sure some thinking time will help you sort the budgets out Mrs B, you always manage somehow.
Glad you are feeling perky and positive this morning. xLBM 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 -
Fab news on the bonus Brizzle"Good financial planning is about not spending money on things that add no value to your life in order to have more money for the things that do". Eoin McGee0
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Great news on the bonus Mrs B. I echo the others - pay off the debt first. Then all the money coming in is yours to save or pay off your mortgage,whichever you please!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
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Just wanted to add my congrats to everyone else's - I'm very excited for you. :j
Looking forward to reading your entry on the DF roll of honour. :T0 -
Thanks everyone..good to 'see' you P&F:wave:
Piq jwil and Mrs PG..you ARE my inspirationYou've kept me going when I was ready to give up..so THANK YOU for being there..one day we will meet in RL..I really hope we will
Today has been good..a NSD. OH also had a NSD so that really counts. Despite a freezing house the heating is firmly off and no-one, not even the lodger;) has complained yet so off it stays
. Seems funny to do it immediately after the boiler service but it all saves the pennies.
Meal planning is working a treat. OH did a freezer inventory as well to convince ourselves we had loads of ingredients and stockpiled meals (and of course we do!) and it seems to be working. He also stretched the chicken to 3 main meals (each serving 4 or even on Sunday and this eve, 5!) which is a result. He was rather pleased with himself. The JO recipe book came out again, yesterday was chicken risotto with loads of spring greens and broccoli for bulk. Apparently it was yummy.
Jack's recipe book also looks good. We make hummus quite often so intrigued by the idea of peanut butter ( which we buy in bulk) instead of tahini...will have to try. It's a nicely presented book too, so I hope it does well. Another inspiration!
Laters 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 -
Brilliant news about the bonus Brizzle! :T
Well done!GE 36 *MFD may 2043
MFIT-T5 #60 £136,850.30
Mortgage overpayments 2019 - £285.96
2020 Jan-£40-feb-£18.28.march-£25
Christmas savings card 2020 £20/£100
Emergency savings £100/£500
12/3/17 175lb - 06/11/2019 152lb0
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