Forum Home» Debt-Free Wannabe» Debt Free Diaries

Ongoing Journey to being a Frugalista..

New Post Advanced Search

Ongoing Journey to being a Frugalista..

edited 1 April 2018 at 11:19PM in Debt Free Diaries
1.2K replies 77.2K views
brizzlegirlbrizzlegirl Forumite
1.2K posts
1,000 Posts Second Anniversary Name Dropper
✭✭✭
edited 1 April 2018 at 11:19PM in Debt Free Diaries
So..ladies and gents...it may be time for a new diary. The recent changes to the site seem to have booted me out...and as this place is essential (nay, critical) to my ongoing attempt to be a true frugalista I need to keep the diary posting going....plus of course I'd miss everyone on here. You are all fab and the support is always totally amazing.

If they can sort out the problems then maybe I can still use the old diary...but maybe a new diary is a good thing. The old one was over 6 years old I think...I should have called it something like "to being debt free and back again.." :o but ho hum.

So..we have good jobs, although I am SE, me and OH are in our 40's (great decade I think), have 2 brilliant teenage daughters who bring us deep joy and of course bring some stressy doubts too (don't they all?) and a real pride in our local community. For details of our travels and meanderings to being DF and then being less so, see the old diary -called "LBM in 2003...what have I been doing since??!"

So whats the current story?

We re-mortgaged last year and now have 13 years to go on the mortgage, but its a much better rate and its all based on OH's salary as it was less of a pain than proving all my details etc. But we would like to pay off the mortgage in c.5 years time. Doable. However at the same time we have debts from some big holidays last year, a car which is currently on a lease which we plan to buy at the end of the term (July) (that will be £11k out the door), a lodger who is going in a few months, daughters planning to go off to uni and a need to improve our savings rate. Also as I am SE I also need to think hard about ensuring I can continue in well paid work for as long as I want to..probably the next 8-10 years..then I want to slow down. OH is employed in an industry renowned for freelancers so thats always a good thing.

I am looking at a big 'winding my neck in' (as me and Lucielle were saying a fortnight or so ago) and these are the scores on the doors.

Savings

ISA £12,500 (but S&S so fluctuates a bit) - aim to get it to £20k by Sept 2019 and to £30k by March 2020
Emergency Fund (EF) £250 (wont stop until we get to £20k)
Repairs Fund £880
Tax Fund £3,032

The Big But

So this is it...that we have an OD of £4k and similar amounts of debts on some cards. This didnt exist a few years ago..we got our DF badge and everything :o but clearly my LBM had a malfunction.

Anyroad up..

I reckon the holidays can be paid for by May. So that's my first goal, then the OD, all the time continuing to pay into the EF, ISAs, pensions, maybe the mortgage OP pot and then all the rest. So onwards and upwards :)

Love to you all xx
DFFW - pay it ALL off in 2020- on track for October!
MFW..aim for Dec 2023
2020 Savings Rate - Goal 40%38% April - best in 2019 66% November
July Goals AFDs 01/25 Decluttering xx/60 LSDs 01/10 NSDs xx/05 July Exercise RT Xxk 01/25 12k steps per day pls
Aiming to be a true Frugalista!
«134567123

Replies

  • redofromstartredofromstart Forumite
    2.8K posts
    1,000 Posts Third Anniversary Photogenic Name Dropper
    ✭✭✭✭
    How frustrating that it has locked you out, but happy shiny new diary anyway.
  • brizzlegirlbrizzlegirl Forumite
    1.2K posts
    1,000 Posts Second Anniversary Name Dropper
    ✭✭✭
    Thanks Redo...blooming annoying...but maybe its all for the best :)
    DFFW - pay it ALL off in 2020- on track for October!
    MFW..aim for Dec 2023
    2020 Savings Rate - Goal 40%38% April - best in 2019 66% November
    July Goals AFDs 01/25 Decluttering xx/60 LSDs 01/10 NSDs xx/05 July Exercise RT Xxk 01/25 12k steps per day pls
    Aiming to be a true Frugalista!
  • brizzlegirlbrizzlegirl Forumite
    1.2K posts
    1,000 Posts Second Anniversary Name Dropper
    ✭✭✭
    And in good news...I have found the time (a day off work :)) to bake some sausage rolls from the free Trose magazine this week..yummy they should be too. Lamb and harissa... I have gone off meal plan and am doing chicken carbonara this evening. We will have omelettes another time. And in even better news.. OH has found the leak that has been causing our boiler to lose pressure..and he didn't have to rip up many floorboards..only one :T Stroke of luck really. And a lovely mate has said he will come over shortly and help him fix the thing....deep joy for our wonderful friends.
    DFFW - pay it ALL off in 2020- on track for October!
    MFW..aim for Dec 2023
    2020 Savings Rate - Goal 40%38% April - best in 2019 66% November
    July Goals AFDs 01/25 Decluttering xx/60 LSDs 01/10 NSDs xx/05 July Exercise RT Xxk 01/25 12k steps per day pls
    Aiming to be a true Frugalista!
  • redofromstartredofromstart Forumite
    2.8K posts
    1,000 Posts Third Anniversary Photogenic Name Dropper
    ✭✭✭✭
    Lamb and harissa sausage rolls sound excellent, is the recipe online do you know?

    Hurrah for the boiler fix.
  • brizzlegirlbrizzlegirl Forumite
    1.2K posts
    1,000 Posts Second Anniversary Name Dropper
    ✭✭✭
    Tried to post a link but was stopped. Just google lamb and harissa rolls

    The boiler thing is a massive relief....now to find all the diary subscriptions and re-do them..

    x
    DFFW - pay it ALL off in 2020- on track for October!
    MFW..aim for Dec 2023
    2020 Savings Rate - Goal 40%38% April - best in 2019 66% November
    July Goals AFDs 01/25 Decluttering xx/60 LSDs 01/10 NSDs xx/05 July Exercise RT Xxk 01/25 12k steps per day pls
    Aiming to be a true Frugalista!
  • NoOneAroundNoOneAround Forumite
    1.8K posts
    Fifth Anniversary 1,000 Posts Combo Breaker
    ✭✭✭
    Hello:hello: thought the name sounded vaguely familiar :)
    like it or not still stalking :D
    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
  • enthusiasticsaverenthusiasticsaver Forumite, Board Guide
    10.7K posts
    10,000 Posts Seventh Anniversary Name Dropper I've been Money Tipped!
    ✭✭✭✭✭
    New start for you then Brizzlegirl!! Shame about the logging in problems.

    Good news on the boiler fix. Hope you get the overdraft and credit cards cleared quickly.
    Early retired in December 2017

    I'm a Board Guide on the Debt-Free Wannabe, Mortgages and Endowments, Banking and Budgeting boards. I volunteer to help get your forum questions answered and keep the forum running smoothly. Any views are mine and not the official line of moneysavingexpert.com. Pease remember, board guides don't read every post. If you spot an illegal or inappropriate post then please report it to [email protected]
  • redofromstartredofromstart Forumite
    2.8K posts
    1,000 Posts Third Anniversary Photogenic Name Dropper
    ✭✭✭✭
    Tried to post a link but was stopped. Just google lamb and harissa rolls

    x


    Of course, the new poster thing.

    This one i think. Have everything except the lamb mince so will add that to my 'to try' collection. Thanks
  • Seasidegal58Seasidegal58 Forumite
    4.1K posts
    Sixth Anniversary 1,000 Posts Name Dropper Photogenic
    ✭✭✭✭
    Hello brizzle!:hello: Have followed you over from the other side and subscribed! What a shame about old your diary though. I was made to change my password the other week. Something about posting one thousand and blah times so have to change it.......

    Clever old hubby in finding the leak. :j to lovely, helpful friend!

    Have a good evening!
    Finally Debt Free! - July 2016 :j:j:j
    Finished Emergency Fund- £10,000 April 2017
    :j:j
    MONTHS TO RETIREMENT: 8
    My diary: “Paid off the £31,000! BUT- still scrimping!”
  • brizzlegirlbrizzlegirl Forumite
    1.2K posts
    1,000 Posts Second Anniversary Name Dropper
    ✭✭✭
    Thanks SSG, ES and NOA for stopping by.. :T lovely to have friends for the journey!

    Our dear friend is a marvel. Second time he has helped us in less than a year. So no cost other than the original call out last week, £120 (time and a part) and all paid for from Repairs fund ,....I was worried we would need a new boiler. This is great news. Especially as a yellow warning as to a chance of snow is heading our way. This morning the chickens stayed in their coop until the every last minute..never a good sign!!!
    DFFW - pay it ALL off in 2020- on track for October!
    MFW..aim for Dec 2023
    2020 Savings Rate - Goal 40%38% April - best in 2019 66% November
    July Goals AFDs 01/25 Decluttering xx/60 LSDs 01/10 NSDs xx/05 July Exercise RT Xxk 01/25 12k steps per day pls
    Aiming to be a true Frugalista!
Sign In or Register to comment.

Quick links

Essential Money | Who & Where are you? | Work & Benefits | Household and travel | Shopping & Freebies | About MSE | The MoneySavers Arms | Covid-19 & Coronavirus Support