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

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  • Thanks Brizzle :)
    Might need one or two ideas for entertaining meals :D when you have a mo - always good to try something different. On a mission to make me a more sociable life:)
    NOA
    x


    Pastry brush pie??!! :rotfl:.

    Great news re tax Brizzle Xx
    Debts @ LBM £23,729.31. Debts @ 08/04/2016 £0 :j
    Best win so far - holiday to Florida
  • Great news re tax :):):):)
    2004 £387k 29 years - MF March 2033:eek:
    2011 £309k 10 years - MF March 2021.
    Achieved Goal: 28/08/15 :j
  • Pastry brush pie??!! :rotfl:.

    Great news re tax Brizzle Xx

    :rotfl: as I wrote it I could see meatballs juggling...;)

    or is that jiggling?;)
    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
  • Well done on the tax brizzle!:j. Now for the good bit planning some of those nice things......:)
    Finally Debt Free! - July 2016 🌟
    Finished Emergency Fund- £10,000 April 2017
    🌟
    RETIRED: MAY 2021!!!!😀🎆
    My diary: “Seasidegal's Scrimpy Retirement Diary!”
  • Sun_Addict
    Sun_Addict Posts: 24,089 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Glad you got the tax sorted. Always good to know where you are with these things. Fab :)
    I get knocked down but I get up again (Chumbawamba, Tubthumping)
  • brizzledfw
    brizzledfw Posts: 7,302 Forumite
    Debt-free and Proud!
    edited 12 November 2017 at 9:37PM
    Will think on it NOA..and send some ideas across early in the week..it’s a good task for the train :)

    Super quick round up on the scores on the doors:

    5 good things-

    - savings/unspent monies were 30% of income!! :D
    - groceries were way less than usual £450 for 5 and that includes organic veg meat and milk
    - hit the target for AFDs :)
    - the cooker is all about to be paid for -immediately
    - savings stayed steady and charitable giving doubled

    Less good:

    - decluttering went nowhere I mean absolutely NOWHERE but there are a few things listed on EBay so I will keep trying
    - holidays were 18% of spend...now thats a lot...
    - spent lots on new trainers and work clothes. Need to rein that in
    - our car hire was 4% of our income. Think we need to think seriously about next steps when the lease is up next summer

    So that’s the good and the bad.On a non MSE note I have never exercised more and I am prioritising it which can only be a good thing.

    I will post some new goals later this eve. Have a great Sunday everyone 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
  • All the positives sounding great brizzle - well done!:j

    Re less good - you had a lovely time on holiday with your family with great memories to look back on so I wouldn’t beat yourself up too much on that one!

    Re the car - have you ever studied Dave Ramsey’s method on how to end up with a really good paid for car? Though I warn you you the method is not for the faint-hearted if you like to drive a really nice car when building up to the end game!:rotfl:
    Finally Debt Free! - July 2016 🌟
    Finished Emergency Fund- £10,000 April 2017
    🌟
    RETIRED: MAY 2021!!!!😀🎆
    My diary: “Seasidegal's Scrimpy Retirement Diary!”
  • brizzledfw
    brizzledfw Posts: 7,302 Forumite
    Debt-free and Proud!
    You’re right and they are growing up so fast...Will definitely look at Dave Ramsey...not usually my cup of tea but good idea. And yes think it’s a hybrid next. Not sure I can bear another diesel and we do use the car occasionally.
    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!
    New goals are set out below.... have set them up until January 31 this time as we’re away a bit, so seems to make more sense...maybe..I think.

    Oh well let’s see how it goes!! :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
  • Sun_Addict
    Sun_Addict Posts: 24,089 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Sounding fab Brizzle :) I spend far too much on holidays but enjoy them so much I don't begrudge it. Life's too short.
    I get knocked down but I get up again (Chumbawamba, Tubthumping)
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