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LBM in 2003.. What have I been doing since??!
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I'll have some cake please
That sounds good about your Valentines break, and very nice of your OH to bring you breakfast in bed :T
Good luck with the car and hope you have a great weekend"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 -
Hey jwil..as youre a zummerzat girl you get all the biscuits and cake you want..they are on their way!:DMFiT-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: »Hey jwil..as youre a zummerzat girl you get all the biscuits and cake you want..they are on their way!:D
Sounds good, thank youI hope you weren't up til 2am making them though :eek:
"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 -
Hi all
So... In this new era of honesty I am confessing all! Even the gruesome parts. Basically its been a pretty expensive day with a few bits from ALD& ( the list of loo rolls and cat food grew by packed lunch stuff and bread so ended up as £25) however am still of mind that it's cheaper than other sms
Trip to dance shop and school/ sports stuff was just over £100! :eek: Next time have to think ahead and try for second hand stuff..although to be fair we only need to stock up about once every 2 years and it included 3 pairs of boots or shoes so not sure I would have wanted them to have second hand for these anyway, but a lesson to be learnt re jazz pants, scout shirt etc)
We had lunch out. £20...DD1 asked to go to a sweet cafe nearby which we all really enjoyed and appreciated ( we are cutting down on this type of thing so it's happening much less frequently)
So if I need evidence of how it all mounts up here it is. Stuck rigidly to the list though so not unexpected. But worth taking stock.:think:
Dinner this eve was leftovers. Fish pie and very yummy if I say so myself. So a meal planner meal up/ saved if you see what I mean.
Last night was lovely and we had a set meal with our friends, some wine, one drink in a pub and then back to ours until the wee hours..( hence the post at 2am jwil!) so fairly restrained spend wise..shattered today though!
Off for early night this eve. I really want to make the choccie biscuits tomorrow and roast a chicken before we go out so will get up early ish.. may make some pancakes again as they were yum. No interest on the car yet..think listed for 10 days. It's on eBay but maybe we should try autotrader, drop price etc..but keen not to be too quick to do that ( or indeed pay more listing fees)
Have a fab weekend allMFiT-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 -
hey
At least you are mindful of the spends now and you know they can't happen all the time so don't feel too bad
How did you get on with the aldi wash powder I also tried it for the first time this month, and have found it really good. I got the powder & bought a box of each lol and both are good so will def use again (after i've used my stock pile of surf up)
xxMORTGAGE BALANCE when we moved Aug 2024, £120,000. January 1st £118,267.06. May 1st, £116, 123, June 1st, £115,536, New mortgage added for extension- £165,000 July 1st!Mortgage Overpayments - September-December, £152.46. J- £103.27, F- £115, M- £91.50, A- £100, M- £200, J- £200. J- £200. Aug-£200.
Total- £1362.23
Goal pay off 1% of current mortgage in 1 year. £1650
EF- first goal £300
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Hi all
Dfw321 the AL"I wash powder seems good. No rashes or concerns re skin, no bleaching or anything I can tell so will be back for more. Am also trying their shower cleaner etc. we went in this weekend and bulk bought cat food and loo roll. The packed lunch stuff like cheesy Dunkers ( which are a huge treat for my DDs..lord knows why they like them) are a fraction of the other sm prices so we shall see. Flour and sugar and baking staples seem fine. I bought a packet of doritos to go with some avocados we made into guacamole and they are no different taste wise to the more expensive brands..but the price is!!
Can't quite get over it somehow. Only thing is that there is a limited range but if you're flexible and are happy to go elsewhere for some things it seems a great find so can't see us stopping going. The only disappointment was the bread. Bland. But you know I've tried it and that's the main thing.
Well big confession day was yesterday. Today the spend was on works shoes as literally all my others have heels and I can't wear them at the moment. Trainers are OK but can't use forever. Apart from that nothing. Dinner from freezer and stores and baked some lovely biscuits - can really recommend them. Recipe handwritten from a friend so cant be sure think they are Nigellas Xmas chocolate biscuits and they're so easy and very very lush. Lovely treat in the tin for the week ahead..well the next 48 hours anyway!:rotfl:
Had my mortgage statement through for last year. As low interest rate see that approx 20 % of my contractual monthly payment is interest, the rest is capital repayment. We have to capitalise on this in the Brizzle household with overpayments ..need to get shot of the CCs, bring our spending down and then make as many overpayments as we can. Last year we made a lot but withdrew a lot too. A scary amount was withdrawn actually which cannot be repeated.
There endeth the lesson for Brizzle for this weekend;)
Have a good week folks
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 -
Hello
I'm having one of my sleepless nights (stiff muscles - nothing to do with my finances this time!) so decided to catch up on a few diaries and came across yours.
Just wanted to say well done on the changes you've made. I find that my diary keeps me motivated more than anything else. When you've bared your financial soul to the MSE world and given a truly honest account of your situation, you really HAVE to do something about it - there's no excuse for excuses!
Keep it up! xLBM Dec 2011. Aimed, but failed, to clear all unsecured debt by Feb 2019. Finally free of unsecured debt 21st May 21!
Debt Dec 11: Unsecured £69,579 + Mortgage £59,948 = £129,527
Debt May 21: Unsecured ZERO! ZILCH! Mortgage £22,3320 -
Great to see you popping in HappyNow..(good username by the way..will pop iinto your diary and hopefully find your secret!!)
Agree.it doesn't feel very well, British, does it to talk about money and spends in such detail. To moan about a big mortgage is OK, well mostly to most people , but not the detail. Bearing all on my signature was a milestone for me. Setting out my spends from the weekend just gone another. ( a SoA would be another but I am still building up to that!) Astonishing really as I will talk about anything to everyone really but there's this reserve when it comes down to cash and what you do and don't have.
Am finding the small dfw things thread great too. Gives me a plan for the day. Was going to be tempted to spend a little today on saucers and pots for my root bound plants..but am resisting. i have said I am hoping for a NSD so will keep to that. Think we can recycle some saucers from the cupboard instead and maybe if I have a dig around the shed I can find some larger pots.
On a brighter note (literally) PV panels are picking up. November and December look to have been the lowest months. Think we have made more already in January than we did in the whole of December. Yesterday we made £1.40 which is excellent news. Must send in another reading...
Have a great day all and will post again soon!
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 -
So..update time
Today had lovely time with friend and her LO. Coffee at home and yummy biscuits. Then full pelt in the kitchen, making beef stew from freezer for tomorrow, digging out ends of couple of bags of rice for this eve to have with Brussels and cold chicken (that's leftovers for you!) making vegetable soup from leftovers bulked out with pearl barley..(another back of the larder find) and I made HM rye/white mix bread so as not to even go to the shops and buy bread. Lunches all from fridge too.
The other thing is that several of the dried ingredients were OOD..eg. Rye flour from August 2011, dried milk from April...:eek: but in a bid to clear the larder and not to throw anything away ( and not buy anything we don't really need!) well...it has to be done! I hope it all works out:D
No eggs from the chooks..not a surprise as so little daylight at the moment but would be nice. As they are free range...may have to search the garden too..you never know what I may find!!
So all set for a NSD..yippee
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 -
All sounds good! I've got to go through my kitchen cupboards too, I know there's a lot of OOD stuff in there.
I recently gave someone tea made out of 2 yr OOD teabagsWould that have been really horrible? I don't drink tea myself. I didn't realise til after they'd gone, but there's no way they would mention it :eek:
"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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