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LBM in 2003.. What have I been doing since??!
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Happy weekend xxI 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 -
Weather was glorious sunshine here today although cold. So weird how such a small country can have such diverse weather by region.I get knocked down but I get up again (Chumbawamba, Tubthumping)0
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Really busy day for you today brizzle. Enjoy the weekend.Finally Debt Free! - July 2016 🌟
Finished Emergency Fund- £10,000 April 2017
🌟
RETIRED: MAY 2021!!!!😀🎆
My diary: “Seasidegal's Scrimpy Retirement Diary!”0 -
Thanks lovely people for stopping by..much appreciated :T
The day started well and cold but even a hint of sunshine...very grey now though. Helped DD2 with her PT job..nice to get out and have a walk. Then to our favourite bakery for yesterday's bread (still lucious and less than half price) then a big grocery shop using lots of MOVs and my C*-op loyalty card (have £30 already towards the Xmas shop) and to the butchers for meat...he has started giving me and OH the bulk buy/catering price on the meat we buy as we go there increasingly often and he knows we are feeding some hearty appetites..:cool: I have meal planned for next week so feeling good about that.
One of the students is now not coming at Christmas...but thats OK. I think I have to accept that there is a certain amount of fluidity around that income stream, and accept the way the cookie crumbles. We are also away for some of the Xmas hols so our usual hosting income will fall, but thats also got to be the way it goes.
Today will be spendy as taking someone out for a b'day meal. Tomorrow, eating out, but we are taking the food. We may go to see a movie tomorrow...will see how we feel.
Have shuffled the money and am feeling vaguely content...the extra work, meal planning and getting the CV etc sorted has boosted my mood. I will also try and go for a run later this evening and also watch some absolutely carp TV.
Hope everyone is well
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 -
All sounding very positive. I did the park run today still not beaten my pb.
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 -
Great news on the discounted meat! You must get through loads so that will be a big help.Finally Debt Free! - July 2016 🌟
Finished Emergency Fund- £10,000 April 2017
🌟
RETIRED: MAY 2021!!!!😀🎆
My diary: “Seasidegal's Scrimpy Retirement Diary!”0 -
Love that you are feeling content. This moneysavinglark is a bit of a roller coaster rideMortgage restart June 2018 £119950Re mortgage August 19 £110470, … Mortgage November 22 £85600 final 0% CC 3300Home renovations - £65000, mid 2018 - mid 20220
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Thanks everyone. And you're right MfD..it is that.
Not so content today (unfortunately)..been very busy and not too well in RL. OH is away as well which never helps. I have also been spending and that seems to keep me away from the threads..guilt?!
TBH I am having a bit of a panic re THEM. Not sure how much I owe (still), I have chased for a calculation as know that will reassure me, or not.
So...where are the Brizzle household re MSE matters....we need an update to get everything into the open :eek:
The sig needs updating and whilst we are decluttering, its rarely selling, CS more like, or just given away. Not sure how to stop that one.
I am also in touching distance of some more work (so thats 2 lots) which once I feel better, and assuming it comes in, then I will be extremely happy.
We have also set budgets for the kids and ourselves for Xmas. I tried to get a friend to do no presents for each other/our respective kids but she wouldn't go along with it..weird, but guess some some people are in different parts along their journey.. we bought a lot of lovely wine and we will probably use a lot of that for presents this year. As its already been bought seems like a plan and dead money.
Meal planning going well, but sometimes too many left overs..when you host it seems unfair to offer them up, but I am getting over that attitude a little as the weeks go on!
On the less good front, there is THEM and we are spending more than we should...again. We have eaten out 4 times this month which is a lot and back to where we used to be. Need to cut that down next month. We are always paying off the CCs in full though, which is a huge relief.
I think I will use some of today to get some sleep (bad night), re-work YNAb for next month and tidy up after a busy weekend and get some perspective on it all. Also check up on the diaries.
Have a good day everyone 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 -
brizzledfw wrote: »Meal planning going well, but sometimes too many left overs..when you host it seems unfair to offer them up, but I am getting over that attitude a little as the weeks go on!
Hope you get some rest tonight.If you have built castles in the air, your work should not be lost; that is where they should be. Now put the foundations under them
Emergency fund 800/1000
Buffer fund 0/100
Debt Free (again) 25/0720250 -
Thanks DIA...yes we do bring stuff out the next week, just freezer is overflowing. I will try and cram some stuff back into it this evening. You've given me a nudge
Still feeling carp. Ugh. WinterMFiT-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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