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Ongoing Journey to being a Frugalista..

edited 1 April 2018 at 11:19PM in Debt Free Diaries
1.2K replies 73.4K views
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Replies

  • brizzlegirlbrizzlegirl Forumite
    1.2K posts
    1,000 Posts Second Anniversary
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    It flies Lou... it hurtles by.

    Busy week.. OH away and realising just how much there is to do. Small things that made it all better tho were... DD1 handed in a big piece of work; girls lodger and I had a real laugh over dinner; have prepped a healthy dinner for this eve so chance I may get a class in this eve. You never know. Work is pretty brutal at the moment and I am also starting this Transform programme from Louise Parker.. really want to have more energy and think lack of sleep and not a great diet are to blame. I like her focus on a way of life not a diet.

    Did a TT yesterday and will do a small one today. Can’t wait for mid May!! But need to be careful. Need to sort the VAT bill and sometimes working less so earning less. All swings and roundabouts isnt it?!! ;)

    Have a great day everyone x
    DFW - pay it ALL off in 2020 MFW..aim for Dec 2023 2020 Savings Rate - Goal 40% 38% April :smiley: - best in 2019 66% November April Goals AFDs 06/25 Decluttering 03/60 LSDs 03/10 NSDs 01/05 April Exercise RT 30k/ 4/25 12k steps per day pls (Aiming to be a true Frugalista!)
  • beanieloubeanielou Forumite
    71.1K posts
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
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    You have a great day too :) xx
    Lou~ Debt free Wanabe No 55 DF 03/03/14.
    **Credit card debt free 30/06/10~**
    **Weight loss 2 stone 2 lbs **
    MFW. 10 months to go. B)
    "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.
    It starts with you, it starts from now. *** It is ok to be me.***
    ***Keep plodding***
    Out of debt, out of danger. ***Be the difference.***
  • Seasidegal58Seasidegal58 Forumite
    3.9K posts
    Sixth Anniversary 1,000 Posts Name Dropper Photogenic
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    Hi brizzle - hope work isn't being too unkind to you this week. Looking forward to hearing how you get on with the Transform programme.

    Have some wine tonight and relax!:D
    Finally Debt Free! - July 2016 :j:j:j
    Finished Emergency Fund- £10,000 April 2017
    :j:j
    MONTHS TO RETIREMENT: 12
    My diary: “Paid off the £31,000! BUT- still scrimping!”
  • brizzlegirlbrizzlegirl Forumite
    1.2K posts
    1,000 Posts Second Anniversary
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    Just back from a class SSG! Walking home now, will shower and flop into bed. Nice to exercise though, feel like work is more distant - before I jump on the hamster wheel again.

    Have a good evening folks x
    DFW - pay it ALL off in 2020 MFW..aim for Dec 2023 2020 Savings Rate - Goal 40% 38% April :smiley: - best in 2019 66% November April Goals AFDs 06/25 Decluttering 03/60 LSDs 03/10 NSDs 01/05 April Exercise RT 30k/ 4/25 12k steps per day pls (Aiming to be a true Frugalista!)
  • Seasidegal58Seasidegal58 Forumite
    3.9K posts
    Sixth Anniversary 1,000 Posts Name Dropper Photogenic
    ✭✭✭✭
    What - no wine!:rotfl:


    Maybe that's not such a good idea though - I doubt it fits into the Transform programme!:D
    Finally Debt Free! - July 2016 :j:j:j
    Finished Emergency Fund- £10,000 April 2017
    :j:j
    MONTHS TO RETIREMENT: 12
    My diary: “Paid off the £31,000! BUT- still scrimping!”
  • brizzlegirlbrizzlegirl Forumite
    1.2K posts
    1,000 Posts Second Anniversary
    ✭✭✭
    Transform is good. Am doing it mostly. Exercise is the big thing. Am exercising but not doing her sculpting exercises and DEFINITELY not getting the 7 hours sleep she orders.. but I am on a better diet and actually my digestion is much better. Maybe its connected?

    Money wise having a DD turn 18 is a mightmare. Money just seems to be flooding out the door. Also need to pay a friend for a holiday for us all and for some reason hadnt thought it would be owing for a while. Doh :( But still on course for paying off the last holiday CC, its just that I have raided my EF to pay for a holiday.. which is definitely breaking the rules!
    DFW - pay it ALL off in 2020 MFW..aim for Dec 2023 2020 Savings Rate - Goal 40% 38% April :smiley: - best in 2019 66% November April Goals AFDs 06/25 Decluttering 03/60 LSDs 03/10 NSDs 01/05 April Exercise RT 30k/ 4/25 12k steps per day pls (Aiming to be a true Frugalista!)
  • beanieloubeanielou Forumite
    71.1K posts
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    ✭✭✭✭✭✭
    I remember for DS being 18 :eek:
    Lou~ Debt free Wanabe No 55 DF 03/03/14.
    **Credit card debt free 30/06/10~**
    **Weight loss 2 stone 2 lbs **
    MFW. 10 months to go. B)
    "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.
    It starts with you, it starts from now. *** It is ok to be me.***
    ***Keep plodding***
    Out of debt, out of danger. ***Be the difference.***
  • brizzlegirlbrizzlegirl Forumite
    1.2K posts
    1,000 Posts Second Anniversary
    ✭✭✭
    Its bonkers Lou...cant believe it.

    In good news I am feeling better..cycling to the station and getting some exercise every day is helping. Not doing classes tho, so thats a waste of money as have a subscription. Eating more carefully too although am out with work peeps tomorrow eve which will throw that out for definite!!

    Enjoying the light mornings and evenings despite the chill..a tonic for the soul :) just also altered a jacket that had been meaning to do for ages. Saved me £10 maybe and just reminded me how easy some alterations can be. Have decided to only use the tailor for complex stuff.

    Small TTs this week but big push will be in a fortnight. Cannot wait. Cannot wait at all. Then the last big holiday card will be gone :T

    BUT..and its a big but. We have just had notification that need to pay car off by end of June if we want to keep it. Gulp. Lot of wonga to pay. Need to get my thinking cap on with how we do this for the least amount. Only constraint is not planning to touch the S&S ISA as thats for real emergencies...hmm. Need to get thinking cap on
    DFW - pay it ALL off in 2020 MFW..aim for Dec 2023 2020 Savings Rate - Goal 40% 38% April :smiley: - best in 2019 66% November April Goals AFDs 06/25 Decluttering 03/60 LSDs 03/10 NSDs 01/05 April Exercise RT 30k/ 4/25 12k steps per day pls (Aiming to be a true Frugalista!)
  • brizzlegirlbrizzlegirl Forumite
    1.2K posts
    1,000 Posts Second Anniversary
    ✭✭✭
    Oh and will update the April scores on the doors over the weekend. Do not really have a sense of where it will land so will be interesting.
    DFW - pay it ALL off in 2020 MFW..aim for Dec 2023 2020 Savings Rate - Goal 40% 38% April :smiley: - best in 2019 66% November April Goals AFDs 06/25 Decluttering 03/60 LSDs 03/10 NSDs 01/05 April Exercise RT 30k/ 4/25 12k steps per day pls (Aiming to be a true Frugalista!)
  • beanieloubeanielou Forumite
    71.1K posts
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    ✭✭✭✭✭✭
    Also loving the lighter nights & mornings.
    As you say tonic for the soul.

    Would you consider leasing another car instead?
    Lou~ Debt free Wanabe No 55 DF 03/03/14.
    **Credit card debt free 30/06/10~**
    **Weight loss 2 stone 2 lbs **
    MFW. 10 months to go. B)
    "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.
    It starts with you, it starts from now. *** It is ok to be me.***
    ***Keep plodding***
    Out of debt, out of danger. ***Be the difference.***
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