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Ongoing Journey to being a Frugalista..

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  • XSpender
    XSpender Posts: 3,811 Forumite
    Part of the Furniture 1,000 Posts Name Dropper
    Sounds like it's all going well :)
    Save £10,500 - £2673.77 - 25.5%
    Pay off £7000 - £1743 - 19.4%
    Make £2021 extra income - £99.75
  • brizzlegirl
    brizzlegirl Posts: 1,260 Forumite
    Fifth Anniversary 1,000 Posts Name Dropper
    edited 1 February 2019 at 12:12AM
    Well not sure about that Ig...but I am trying to be in fight mode all and every day :D

    Thanks for popping by XS, how's it going..must pop by yours and see how your OH's new role is going too.

    For some reason I am feeling quite spritely so after trying to help DD2 with some History and sorting out what her exam TT might look like I have been pootling on YNAB and my goals. Must be the snow settling or something :rotfl:

    It's not been bad. 17% 'savings' or in my case against the debt. SO we have spent less than we earnt this month. Hardly at Mrs FW levels but spending less than we earn is always a winner and not always the case as regular readers will know ;) I'll take that and keep on pushing it.

    Groceries were under £600, we spent a lot on fuel :( and kept up the 2.5% tithe to various charities. there were also spends like train fares to London for DD2 and a 3 year rail card for her (via TCB naturally)..it all mounts up, but nothing that we wasted iyswim. I'll bank that.

    In terms of exercise, don't think I have ever done so much - 16 runs of around 4-5km each, 2 long walks and an exercise class. So pretty much an activity every 2 days. No bad at all. I need to keep on and make running and being thoughtful about food, diet, alcohol and sleep a habit and a priority for me. Cutting down on alcohol has been good for me too and I think I will try to treat February in the same way. I have only drunk alcohol 4 times in the last 25 days. I thought it would mean the pounds would simply fall off...but sadly not. Must be a sign of age ;) And..tada...am getting more sleep. Not commuting is paying off big time.

    Decluttering is good - hit the target. LSDs and NSDs never seem to work in the Brizzle household, either me or OH always seem to be paying out for something.

    So thats it - the unveiling of the scores on the January doors. Not a bad January. I just need to get used to being so skint I am wondering if the debits will squeak through...but honestly its not bad thing. It keeps me having a laser focus and the fire hose is on full in terms of paying off the debt :T
  • beanielou
    beanielou Posts: 95,737 Ambassador
    Part of the Furniture 10,000 Posts Academoney Grad Mortgage-free Glee!
    A great January then :)
    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.
  • Sounds like a fab start to the year brizzle I don't do nsd either or at least target as there's always something. When I do it's just a bonus :)

    Impressive expertise, I've managed 35 miles this month, which is my most since a peak before last years heat wave and my illness so I'll take that. Long may that continue for both of us.
  • brizzlegirl
    brizzlegirl Posts: 1,260 Forumite
    Fifth Anniversary 1,000 Posts Name Dropper
    Thanks both. Yes I was surprised at how well January went to be honest. It didn’t feel like that at the time. But it’s a motivation to continue pushing hard on every front in Feb.

    No school for DD2 today. She’ll be thrilled..... ;)
  • brizzlegirl
    brizzlegirl Posts: 1,260 Forumite
    Fifth Anniversary 1,000 Posts Name Dropper
    Had a NSD yesterday ..well did until 6pm when OH went to get some 0% beers as someone was coming round for dinner but then we drank red wine anyway (face plant emoji) ..just bought DD1 some travel insurance via the MSE site so hope that’s good. Cheaper than I expected so I will take that.

    Planning a quiet weekend, have some work to do but apart from that all good. If the snow clears I will go for a run x
  • beanielou
    beanielou Posts: 95,737 Ambassador
    Part of the Furniture 10,000 Posts Academoney Grad Mortgage-free Glee!
    Enjoy your weekend :) 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.
  • brizzlegirl
    brizzlegirl Posts: 1,260 Forumite
    Fifth Anniversary 1,000 Posts Name Dropper
    It’s lovely so far thanks Lou.. very calm. Just pottering cleaning and cooking and have just lit the wood burner :) Blissful
  • mfmaybe
    mfmaybe Posts: 1,176 Forumite
    Tenth Anniversary 1,000 Posts
    Impressive on the running. I've only managed a paltry 20k this month. Between time issues and on and off snow and ice for a lot of the month it just hasn't been happening. My step count is pretty good though thanks to dog walking.
    0% card was £1126.91 / Now £1502.37

    AFD March 2/15 NSD March 2/11 :T

    Other debts paid since 1/1/14: £17,005
  • Seasidegal58
    Seasidegal58 Posts: 6,032 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Photogenic
    The wood burner sounds lovely! Well done on your successful January!:j
    Finally Debt Free! - July 2016 🌟
    Finished Emergency Fund- £10,000 April 2017
    🌟
    RETIRED: MAY 2021!!!!😀🎆
    My diary: “Seasidegal's Scrimpy Retirement Diary!”
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