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LBM in 2003.. What have I been doing since??!
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Hello hello hello :hello:
I am very good thanks everyone. Thanks for all the good wishes. Just been busy, family seem to be constantly on the go, OH working very hard and my new job is full on but great. And once you've slipped 'off the wagon' from here..its easier to bow out completely than to just drop in once in a while..
Money wise we are making some big spends but YNAB has and continues to be amazing. A really excellent product. Even when we are MF we will use income forecasting software. I hadn't ever realised that simply accounting for everything going out wasn't enough, I needed to be able to accurately forecast what was coming in as well.
All is pretty much as it was really. Although we are having a new bathroom (old one was 20 years old so feel justified) in a few months time and I seem to be taking lots of holidays, on the plus side we have kept up with YNAB, have sizeable savings pots and a mortgage overpayment pot (quite a shock to the system I can tell you!) but still also trying to make income where we can eg. EBay stuff we no longer need and we still have a lodger. We are having a summer student again too.
I hope everyone is really really well and enjoying the sunny glorious weather. Hope to catch up with you all over the next few weeks
much love
Brizzle xxMFiT-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 -
Great to hear from you and everything sounds fabulous.
LTotal Debt Dec 07 £59875.83 Overdrafts £2900,New Debt Figure ZERO !!!!!!:j 08/06/2013
Lucielle's Daring Debt Free Journey
DFD Before we Die!!!! Long Haul Supporter #1240 -
Hey good to see you still 'around'
Be the change you want to see -with apologies to Gandhi
In gardens, beauty is a by-product. The main business is sex and death. ~Sam Llewelyn
'On the internet no one knows you are a cat' 
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Thanks for popping by folks. Hoping you're well.
Igamogam...I now work in your fair Principality...I sometimes think of you as I am driving there!
Enjoy the weekend..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 -
Sooo good to hear from you Brizzle, glad everything is going well "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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Welcome back Brizzle!!! Glad all is well.I get knocked down but I get up again (Chumbawamba, Tubthumping)0
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brizzledfw wrote: »Thanks for popping by folks. Hoping you're well.
Igamogam...I now work in your fair Principality...I sometimes think of you as I am driving there!
Enjoy the weekend..
Ha! brizzle my lovely - I was minded of you yesterday - and here you are! (spotted you on Tilly's thread) We were out and about galavanting abroad, and we had parked up in a beautiful spot to listen to the Food Programme - where they mentioned about the Bristol Food Festival. And I thought to myself - gosh, doesn't time fly? It doesn't seem like a year since we were chatting on brizzie's thread about it .......
Lovely to *see* you and hear all is well
GreyingPounds for Panes £7,705/£10,000 - start date Dec 2023
Grocery Spend September 2025 £105.19/£200
Non-food spend September 2025 £26.14/£50
Bulk Fund September (month 9 of 12) £4.80/£400 -
Aha GP...weren't we just? Remember it well. It'll be another fantastic event I am sure. Can we entice you down this year?
Thanks for popping by folks, hope things are ok with you both Lucielle and SA?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 -
Jwil :hello: :hello: how's everything going as well as the wee lad? Must be huge now:)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 -
hi Brizzle
Lovely to 'see' you....seems you are doing fabulously well.
I cant wait to get a mortgage and start overpaying it!!!!
OF xOrange Fairy
House Purchased April 19 CC1=? CC2=? DH CC= Mortgage Overpay = £0 Savings = £0 Xmas savings = £0 Weightloss = 0 lb0
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