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LBM in 2003.. What have I been doing since??!
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Brilliant news on your new contract. How are you doing on spending or trying not to spend?business mortgage £0))''(+ Barclay's business kitchen loan £0=Total paid off was £96105 PPI claimed and received £13527
'I had a black dog, his name was depression".0 -
Hi Pooh..great to hear from you.
Doing much better. Feeling focussed. Discretionary spends down. Still stuff like school trips coming out of the blue
but no new clothes and cutting right back on eating out which makes a huge difference. Having said that am celebrating going back part time with OH tomorrow.. 
but only going for breakfast before I see the accountant..oh I know how to live:rotfl: but its breakfast so wont be spendy.
Am also keeping well away from alcohol, that should help the budget!;)
Will be very relieved when the books are all up together. Then I am determined not to let it slip again. It stresses me when I don't know what the real picture is..much like our domestic/household accounts really.
Girls working hard, particularly DD1..GCSEs really kicking in now..:eek: Just done a PC survey..has anyone noticed that they are really frequent at the moment? Not exactly an observation based on any science but definitely feel like its several a month at the moment.
Love to all
BrizzleMFiT-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 -
More PC surveys
£6 redeemed via PayPal....
Good run continues
Hope everyone has a great weekendMFiT-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 -
Hope you have a fab weekend too I get knocked down but I get up again (Chumbawamba, Tubthumping)0
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yes, have a happy weekend 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.0 -
Hi brizzle
Popping in to see how you are? All sounding good except for your concerns for mr brizzle and his work - i hope all that works out for the best for him
Well done to your girls for helping out so much at home - it really sounds like you all pull together as a family xx CC1:T £[STRIKE]2531[/STRIKE] £1460MORTGAGE OVERPAYMENTS: £10575.20 Target £12,100MF Date: [STRIKE]August 2042[/STRIKE] May 2035Declutter 1000 things by Xmas 2015! 53/10000 -
Thanks everyone. Yes another lovely meal from DD1 after she had some science home tuition.. she did get a bit stressed but produced another lush meal. Pork chops in an apple jelly, mash and fennel, onion and apple medley. She is rightly pretty proud of herself but now realises how long these things take! As a thank you I helped her with a revision timetable..for her mocks. She finds it hard to prioritise. (..I said dont we all?!
)
Mr B in a marginally better place..but not out of woods yet. We have day off together today though as too many jobs needed doing around the house...he is currently defrosting freezer and I am doing financial admin!!:rotfl: We know how to live here!!
Money wise..started doing some Christmas shopping with some vouchers and free postage offers. So that'll be a hit on the current account, but all in all in so much better place than for many years. I do thank you all on here for the support..you have all been wonderful and I can really see that we may well be MF in 6 years or less. A wonderful feeling. Definitely an incentive to curb unecessary spends and focus on the big picture. Stacking money away in ISAs and a pension is also important. Makes me feel much more secure.
Your sig DDFW reminds me tho..do need to do more decluttering. May be a job for Half Term..
Have a good day and hope the sun keeps shining
BrizzleMFiT-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 -
Whoops.
Bought P8 and Ho@bbs sales goodies yest....:o but in my defence I can tell from YNAB last time bought work clothes was June last year...so was feeling pretty threadbare given currently working 5 days....some might go back, but all sale items so some sense there.
Whoops 2
Heating went on yesterday evening...sorry Alice! Are you remaining strong? I wasn't sure our lodger could cope...she was making hot water bottles and practically wearing a coat in the house...so gave in.
Balls....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 -
Happy new clothes :jI 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.0 -
Thanks beanie for sharing my joy
How's you??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
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