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Ongoing Journey to being a Frugalista..

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  • jwil
    jwil Posts: 22,044 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    I love hearing about your different categories of spending, I really need to sort out my spending diary.
    "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
  • brizzlegirl
    brizzlegirl Posts: 1,260 Forumite
    Fifth Anniversary 1,000 Posts Name Dropper
    All good thanks ladies. Weather was cooler but then has got hotter again. Agree, greent, think that if it wasn’t for our discarded washing up water our trees would be under some stress...

    Just had a lovely day out with a dear friend...all good and we thoroughly treated ourselves. Excellent lunch and yes a bottle of wine...bliss. Work again tomorrow though :)

    Jwil...hope youre good. Must pop by, sorry :( YNAB helps us categorise our spends. In that sense not sure what we would do without it. We spend far too much in some categories..for example I love food...can you tell :rotfl:

    Have a great week, much love xxx
  • brizzlegirl
    brizzlegirl Posts: 1,260 Forumite
    Fifth Anniversary 1,000 Posts Name Dropper
    BTW..update on savings from my original post..

    £15.6k ISA
    £1.3k Repairs Fund
    £4.2k Tax Fund
    £1.5k EF

    X
  • beanielou
    beanielou Posts: 95,697 Ambassador
    Part of the Furniture 10,000 Posts Academoney Grad Mortgage-free Glee!
    brizzlegirl wrote: »
    BTW..update on savings from my original post..

    £15.6k ISA
    £1.3k Repairs Fund
    £4.2k Tax Fund
    £1.5k EF

    X

    These totals are just fabarooni:D
    You dont seem to have a beanie fund though:p:p
    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.***
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  • brizzlegirl
    brizzlegirl Posts: 1,260 Forumite
    Fifth Anniversary 1,000 Posts Name Dropper
    edited 16 July 2018 at 9:46PM
    Youre right..that needs rectifying immediately :D

    I do need a proper EF though..one to take care of one of us getting made redundant etc....6 months worth I think is the usual rule of thumb..

    X
  • jwil
    jwil Posts: 22,044 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Savings look great :T
    "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
  • brizzlegirl
    brizzlegirl Posts: 1,260 Forumite
    Fifth Anniversary 1,000 Posts Name Dropper
    Its great having an EF. Even a small one. And whilst the tax fund will be largely demolished shortly, its great to have it and not have to worry. I do need to plan for December tho when more money goes out the door.

    Cold chicken this evening. Roasted it last night. Hosted at the weekend so fridge bulging again.

    Haven’t read or heard from NOA or Pinot in a while..hope they are OK.

    Heading home. Shattered even though it’s only Tuesday :rotfl:- saving myself a lengthy commute tomorrow though as working from home. Yippee! Grey clouds but muggy. Think the weather is changing...

    Love to all x
  • doingitanyway
    doingitanyway Posts: 10,041 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Mortgage-free Glee!
    Impressive savings pots there. Inspirational. I am hoping to get to £1,000 for my EF by the end of August.

    Well done :)
    If you have built castles in the air, your work should not be lost; that is where they should be. Now put the foundations under them

    Emergency fund 100/1000
    Buffer fund 0/100
    Debt Free (again) 25/072025
  • brizzlegirl
    brizzlegirl Posts: 1,260 Forumite
    Fifth Anniversary 1,000 Posts Name Dropper
    Thanks DIA...we are definitely turning a corner here in the Brizzle household..

    Have a good evening x
  • PurpleFairy26
    PurpleFairy26 Posts: 3,903 Forumite
    Part of the Furniture 1,000 Posts Name Dropper I've been Money Tipped!
    edited 18 July 2018 at 8:25AM
    Great pot totals brixzle agree about the EF, it definitely makes you feel better even if you have to sacrifice paying down the debt a little to help build one up. I have a SO going to ours every month, when i started it at £30 a month a couple of years ago I could never see it building up. It's now a higher amount that gets contributed each month and stands at £2,250 but so glad I started it as I don'treally miss the money iyswim. I do want to get it to a decent figure though so will keep plugging away. Hope wfh gives you some extra time.
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