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

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Comments

  • brizzledfw
    brizzledfw Posts: 7,302 Forumite
    Debt-free and Proud!
    Thanks satchmo..yes we do. Unfortunately I am usually by myself as I live a long way away from the rest of my team. I get money when Ive travelled with them though.

    I will bear it in mind tho. Thanks
    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
  • Piquant_2
    Piquant_2 Posts: 5,769 Forumite
    PPI Party Pooper Mortgage-free Glee! Debt-free and Proud!
    Don't know anything about fuel allowances I'm afraid. But I think stricter meal planning might help out with the grocery budget ;) Challenge the girls to come up with three meals from stocks, they might surprise you.
    Total debt at October 2008: £67,213.30
    Total debt today: £0
    - debt and mortgage free 29th November 2013 :T
    Sealed Pot Challenge member 14
    Save £12K in 2014 - £6,521.90/£6K member 138



  • brizzledfw
    brizzledfw Posts: 7,302 Forumite
    Debt-free and Proud!
    Thanks Piq..interestingly DD1 has just asked me to teach her/remind her how to make some simple meals so that fits in.

    Had to buy fruit and milk today..some of these bits do add up although as I said yesterday am amazed that we will be within our overall budget this month. First time for everything!:o

    I have been doing the Tilly Tidy pretty religiously over the last month which must be helping too. I will also put in my expenses tomorrow and diarise doing my mileage (uggh).

    An Ebay buyer still hasn't paid..yes its only 2 days but everyone else manages...:mad: Not sure what the etiquette is..shall I give them until the end of the working week so Friday?

    Apart from the groceries have spent nada so its been a LSD. Not great results on my NSD targets though...must do better in March.

    Bit stressed about work. My antennae are 'going' a bit..I sense waves ahead..oh well maybe I am wrong..(but I am usually right on such things:()

    Hugs to all those who need them (you know who you are) xxx
    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
  • kerri_dfw
    kerri_dfw Posts: 4,556 Forumite
    1,000 Posts Combo Breaker Debt-free and Proud!
    What is Tilly Tidy?
    Diary: Getting back on track for 2013 and beyond
    DEBT FREE 13-10-13 :dance::dance::dance::dance::dance:
    Beautiful daughter born 11.1.14
    Mortgage: [STRIKE]£399,435.91[/STRIKE] £377218.83
    Deposit loan from Dad: £9000[STRIKE]£10000[/STRIKE]
  • brizzledfw
    brizzledfw Posts: 7,302 Forumite
    Debt-free and Proud!
    Hi Kerri

    Its from the lovely Miss Tilly (Tilly MFW in 6 years I think is her full name)... and its basically rounding down your account(s) each day..even if its just pence and sending it to savings..or in my case, my CC debts! It just helps with the debt and paying off more than the minimum.

    Its a rather nice routine:rotfl: I am quite addicted now:T

    Have a good eve 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
  • kerri_dfw
    kerri_dfw Posts: 4,556 Forumite
    1,000 Posts Combo Breaker Debt-free and Proud!
    Ooh I might have to start doing that at some point :) I likes it.
    Diary: Getting back on track for 2013 and beyond
    DEBT FREE 13-10-13 :dance::dance::dance::dance::dance:
    Beautiful daughter born 11.1.14
    Mortgage: [STRIKE]£399,435.91[/STRIKE] £377218.83
    Deposit loan from Dad: £9000[STRIKE]£10000[/STRIKE]
  • Hi Brizzle, anything to reduce the interest paid to the delightful financial money grabbers :T:T:T

    Tilly x x
    2004 £387k 29 years - MF March 2033:eek:
    2011 £309k 10 years - MF March 2021.
    Achieved Goal: 28/08/15 :j
  • kerri_dfw
    kerri_dfw Posts: 4,556 Forumite
    1,000 Posts Combo Breaker Debt-free and Proud!
    Ah that's Tilly :D

    Brizzled you gave me an idea for our dinner tonight. I made something really simple with the help of the OH :) here's the recipe, but we used wholewheat spag and it was lush
    Diary: Getting back on track for 2013 and beyond
    DEBT FREE 13-10-13 :dance::dance::dance::dance::dance:
    Beautiful daughter born 11.1.14
    Mortgage: [STRIKE]£399,435.91[/STRIKE] £377218.83
    Deposit loan from Dad: £9000[STRIKE]£10000[/STRIKE]
  • brizzledfw wrote: »
    An Ebay buyer still hasn't paid..yes its only 2 days but everyone else manages...:mad: Not sure what the etiquette is..shall I give them until the end of the working week so Friday?

    Click the link on the drop-down list that says something like 'Send Payment Information' - that will often do the trick within 24 hours, but if they still haven't paid up 4 days after the auction ends, then you can open an unpaid item dispute. 90% of the time that shocks them into coughing up :D
  • brizzledfw
    brizzledfw Posts: 7,302 Forumite
    Debt-free and Proud!
    Perfect, thanks Caz.

    Had a mixed day today:

    - railcard ran out yesterday and so tickets today were full price:eek: but found a code online and £8 off the replacement railcard which will be with me ASAP. As it happens not asked for tickets once but would have been too much to risk

    - spent some money in JL on DD1 but for first time asked her for money towards a jumper she really wanted. She was really pleased ( yes really!) to put in £20 towards it. So all happy and I felt a principle of her contributing to non essential stuff had been made..she gets pocket money. But drew line and so I didn't make her pay for her bras for example :rotfl:

    - lunch out but too cold to do anything else. We needed to warm up.

    - asked for freebies in JL at Liz Earle..no moisturisers but quite a nice cleansing kit:T
    Might help me kick my cla&ins habit

    - think have just broken my bed frame:rotfl:...and I was only getting in to sit down and start posting again:eek: will have to check tomorrow

    - boiler playing up....shower refusing to get hot...could be a pricey one. Will know on Monday

    - van in for full vehicle and living service and checks today...ditto could be very expensive but am hoping hires will cover any costs this year..so just need to remember that

    - chooks are beginning to lay eggs again..roll on summer :D

    Off to see if Mrs PG has got that party underway!!


    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
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