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

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  • brizzledfw
    brizzledfw Posts: 7,302 Forumite
    Debt-free and Proud!
    edited 1 June 2017 at 7:08PM
    Having an ace time. Who can't but love Dorset in the sunshine??! ;)

    Will do a fuller update this weekend but the headline is that we cracked the 25% rate :D partly due to increased drawings from my company but still... deep joy. Sitting here re-reading the book that inspired my diary title and feeling very blessed. Thank you universe

    Xx
    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!
    Thanks greent. Luckily OH is a closet veggie. Must be all that working with animals ;) so not a problem. Will be when we host again though as the students tend to be white hot carnivores. Anyhow. Enjoying it whilst it lasts. About to tuck into moule frites and salad :) Life is good
    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
  • beanielou
    beanielou Posts: 95,715 Ambassador
    Part of the Furniture 10,000 Posts Academoney Grad Mortgage-free Glee!
    Great news on the 25% :j :j
    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!
    Thanks beanie :kiss: it's a good result and I am pleased. But sitting here in the sun plotting and planning how we can do even better :) I so have the :money: game face on :rotfl:
    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
  • PurpleFairy26
    PurpleFairy26 Posts: 3,903 Forumite
    Part of the Furniture 1,000 Posts Name Dropper I've been Money Tipped!
    Great news on the %. You still on track to be MF in 5 years?
  • Sun_Addict
    Sun_Addict Posts: 24,122 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    All sounding good Brizzle. Mr SA's idea of going veggie is pizza, he's a die hard carnivore.
    I get knocked down but I get up again (Chumbawamba, Tubthumping)
  • brizzledfw
    brizzledfw Posts: 7,302 Forumite
    Debt-free and Proud!
    edited 1 June 2017 at 9:12PM
    :) SA that made me laugh :)

    PF, thanks for dropping by. 5 years yes.. although don't have a long term left now. 8 years. It stands at £149k which is a big milestone. The fact it's now below £150k just seems amazing (I almost physically jumped for joy when the bank told me ;)) when most of our colleagues and friends have yes, huge valuable houses but huge mortgages on them too with long, long terms. Dropping 3 years may not sound much, but it'd be a big result for us as the monthly repayments are huge. I'd actually like to pay it off in 4. But for that we need to carry on paying down the debt at the rate we have been this year and than carry on earning the same so that we can make the big OPs. As you know I fluctuate between paying off and then putting into ISA and pension for the tax benefits. So at the moment I have an 'uneasy' balance between the two but have set up a standing order for the monthly OP from September so watch this space.

    The savings rate is good. (Although I am always conscious that we earn good money). In reality it's mainly gone on paying off the CCs built up last year, but it's not been a tough month so I am hopeful we can continue in this vein. I can't use the laptop yet to do a proper analysis but will do later.

    Have updated the signature. Similar goals to last month. I almost made it on LSDs and NSDs..which is pretty impressive given my poor track record :( on this score...decluttering too. The sales target looks impossible, but I will try and list some items in the next week or so.

    Have a good weekend x
    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!
    Quick update...

    TT of £7.89 to make the current account tidy :)
    Paid off CC in full - just day to day spending though so doesn't count in terms of debt so am extremely impatiently waiting a credit so can do the money shuffle early next week
    Enjoying a eve away with OH and already have some nice freebies as loyal customers :D
    Had a great holiday and feel psychologically rested. Also started running again which is good

    Best go now and get a more glam look on :rotfl: dinner awaits :)

    X
    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
  • lucielle
    lucielle Posts: 11,518 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Well done on the running. I'm off to bootcamp tomorrow.
    L
    Total 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 #124
  • NoOneAround
    NoOneAround Posts: 1,843 Forumite
    Tenth Anniversary 1,000 Posts Name Dropper Combo Breaker
    Morning Brizzle ;)
    Just had a quick catch up - all sounding great :)
    I would love to go mostly veggie - DD and I would be in heaven, DH Ok but grumbles a bit, but DS is a total carnivore nad just needs loads of protein - about a cow ( or 12 chickens) a day:rotfl: - he's about twice my size, 16 and still growing so I guess that's normal? I grew up in a family of all girls so am a bit bemused by it all :rotfl:

    Loved the bit about DD saying you ask her to do something the minute she sits down.... I've had the same complaint here!

    I haven't read Tilly's diary - obviously seems to come highly recommended......

    Have a lovely weekend
    NOA
    x
    Feb2014 Total unsecured debt £72,520>>01/06/16 £68166>01/02/17 £66,600=8.18%PAID
    Mortgage Jan14=209,800 Jan15=£200,300 Jan17£180,700>OCT17 £170,200
    Health/Fitness Challenges Priority#1 Stay Fit and healthy - whatever it takes:)
    Wombling Free Cash May2016 £51
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