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Ongoing Journey to being a Frugalista..

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Comments

  • XSpender
    XSpender Posts: 3,811 Forumite
    Part of the Furniture 1,000 Posts Name Dropper
    Thanks both for the chickpea curry ideas.  Yes please for the lemon recipe Brizzlegirl.

    I hope you have a lovely Easter weekend x 
    Save £10,500 - £2673.77 - 25.5%
    Pay off £7000 - £1743 - 19.4%
    Make £2021 extra income - £99.75
  • Happy Easter Brizzle
    Mortgage restart June 2018 £119950Re mortgage August 19 £110470, … Mortgage November 22 £85600 final 0% CC 3300Home renovations - £65000, mid 2018 - mid 2022
  • Seasidegal58
    Seasidegal58 Posts: 6,137 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Photogenic
    Rather late to the party but Happy Easter brizzle@!🐇🐇🐇
    My thanks too for the chickpea curries!

    Finally Debt Free! - July 2016 🌟
    Finished Emergency Fund- £10,000 April 2017
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  • brizzlegirl
    brizzlegirl Posts: 1,261 Forumite
    Seventh Anniversary 1,000 Posts Name Dropper
    Hi folks..so yesterday was a good MSE day in our house..
    Usual 5k run which is moving into embedded into my routine. I have been 13 times so far in April. Like it and its only 40 mins and we get to run through some woods and a farm so its a good antidote to city living. Picking up yoga again too, I guess you could say I am slowly getting reconciled to this new way of being and finding  new 'life tools' to help me. I am on leave now for a long weekend which helps me focus on self care and the household rather then the never ending stream of work emails. Not that I am complaining..feel so very very privileged that I moved from being a freelancer to being employed late 2018.

    So... yesterday was a very good MSE day as we put 78% of OH's income (he gets paid mid month) against a CC debt and that balance is now very low. I will put more against it when I get paid at the end of the month too. Next month it will be gone and a hefty chunk off another card too. I am very thankful that we can do this. Its making both OH and I have a spring in our step, despite such worrying times. There is no doubt that I can focus on spending less at the moment.. we probably all can... and this means that the 40% saving/no spend target I optimistically put from Barefoot Investor into my forum signature here may be in reach. Am upset that a global pandemic had to help us reach this point, but its definitely a sign that if I pull back from discretionary spends it can be done. And this is in a month where we are still paying for a lot of private tuition, our lodger is elsewhere, OH's tax coding changed, we have basically 4 adults in the house etc etc. More van costs too but then hopefully thats it for a bit on the vehicle front.

    Hope everyone is keeping safe and well

    Brizzle x
  • beanielou
    beanielou Posts: 96,602 Ambassador
    Part of the Furniture 10,000 Posts Academoney Grad Mortgage-free Glee!
    That’s some great news in among the horridness of the world at the moment. Xx
    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.
  • PurpleFairy26
    PurpleFairy26 Posts: 3,903 Forumite
    Part of the Furniture 1,000 Posts Name Dropper I've been Money Tipped!
    Awesome progress Brizzle glad that you are running and doing yoga too. Sounds lovely. Keep well and safe. 
  • XSpender
    XSpender Posts: 3,811 Forumite
    Part of the Furniture 1,000 Posts Name Dropper
    Thanks for the chickpea recipe.

    Well done on such an amazing savings rate this month so far.  I am very impressed by how you and your DH continue to maintain such amazing focus on clearing the CC debt.  Can we have a drink of whatever you 2 are having?

    I agree with you about feeling bad that the fall out from the pandemic is helping our finances as we are spending so much less.  Even though DH and I are furloughed, and will probably end up taking a mortgage holiday, as long as I still have my job in 3 months we will come out of this with less debt and an emergency fund in place.  Even if I do get made redundant we will be in a better place financially than we were before.
    Save £10,500 - £2673.77 - 25.5%
    Pay off £7000 - £1743 - 19.4%
    Make £2021 extra income - £99.75
  • greent
    greent Posts: 10,833 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Chickpea recipe looks lovely - thank you :)

    I'm also v grateful that DH moved away from contracting last year - life is much more stable even without Covid!

    x
    I am the master of my fate; I am the captain of my soul
    Repaid mtge early (orig 11/25) 01/09 £124616 01/11 £89873 01/13 £52546 01/15 £12133 07/15 £NIL
    Net sales 2024: £20
  • jwil
    jwil Posts: 22,411 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    That's an amazing result with the credit card, well done!

    Have a lovely long 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 McGee
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