Ongoing Journey to being a Frugalista..

Sun_Addict

All sounding very positive despite the large vehicle bill You can do this :j

Seasidegal58

Yes - bah to the vehicle bill but you're doing marvellously brizzle!

brizzlegirl

Thanks all. We are on this!
#gonnabedebtfree

PurpleFairy26

brizzlegirl wrote: »

Thanks all. We are on this!
#gonnabedebtfree

Loving your positivity. Plus imagine the pain of the vehicle bill if you weren't in control :T

Your posts and what you are doing is truly infectious. I'm not sure I'd have a stocks and shares isa (and considering putting my pay rise in it) if it wasn't for reading your diary. Thanks for sharing :A

beanielou

brizzlegirl wrote: »

Thanks all. We are on this!
#gonnabedebtfree

You are :j. :j.

greent

We cleared all our residual debts last year of around £18k - car finance, CCs etc (and spent even more than that on the new kitchen at the same time.....:o:eek:) and I have to say that it is lovely not having anything hanging around - I even paid the child tax credit overpayment demand straight off last month, rather than set it up on a repayment programme (for full disclosure I do have £1300 on a 0% CC, expiry 04/2020, which I'm reducing at min £100/ mth - I could repay it all now, but I know that using the 0% is probably a better financial decision - earning me all of several pennies in interest over the coming year! :rotfl: :rotfl:) It's quite free-ing - and means that supporting the 2 student children is easier financially than if we still had things hanging around. Was very tight to do it (and we did use some savings and took a larger than normal dividend because of the kitchen) - but soooo worth it.

Looking forward to celebrating with you when you're there! x

brizzlegirl

Hi everyone :wave:

Thanks for stopping by

You're right greent, it will be freeing and also help us support the girls more in the future. I am also determined not to be slogging the work path if I don't want to after I am 55 so only a few years to go...

The vehicle bill isn't finalised yet but will be big. But then last week we have discovered that a few friends want to hire it for a few weeks so that offsets the costs a little. We do need to start using it more, I was thinking of going away over Easter for a few days but DD2 not keen. Wants to hang out with friends when not revising..which is understandable I guess.

Just gearing up after a slow start to the day. OH already prepping dinner Planning to have a quiet day and be frugal. OH and I are talking about financial stuff much more - we may tackle some exercises from Work Optional later. We did the answers to the questions but never really grouped them into a mission statement which might be quite fun (and useful) to do.

Hoping to do a big money shuffle on Monday. Ridiculously excited, spreadsheet primed and ready to go :rotfl:

Have a great weekend all

brizzlegirl

PurpleFairy26 wrote: »

Your posts and what you are doing is truly infectious. I'm not sure I'd have a stocks and shares isa (and considering putting my pay rise in it) if it wasn't for reading your diary. Thanks for sharing :A

Bless you. Thanks. yes I really value mine and check on how its doing at least once a fortnight. I am completely sold on the 'paying myself first' tactic where we pay off CC debt, put savings aside and into the S&S ISA immediately we each get paid. All extra earnings go into this 'stream' too eg. OH is getting some more overtime (man is a machine ) - its certainly been a game changer for us so far this year. Head is a much more determined space. Lord only knows why I didn't start this years ago

When we get straight again ie no more CC debt I plan to see a similar percentage (40% of income) go into pensions, EF and paying off the mortgage. At the moment there are no mortgage OPs and minimal into the other two (although we both have good pension benefits in current roles) which needs to change long term.

Igamogam

brizzlegirl wrote: »

Hoping to do a big money shuffle on Monday. Ridiculously excited, spreadsheet primed and ready to go :rotfl:

I get over excited over my spread sheet now and almost feel bereft when there is nothing to add....weird as I have always hated spreadsheets before!

Happy hols!

Seasidegal58

Igamogam wrote: »

I get over excited over my spread sheet now and almost feel bereft when there is nothing to add....weird as I have always hated spreadsheets before!

Happy hols!

I feel a bit like that with YNAB. I also used to feel the same when I was in debt in respect of my Snowball checker. I'd sit and stare at it for ages once I'd updated it each month!:rotfl:

Your so right about paying yourself first brizzle. My payout goes straight into the works pension as retirement heaves into sight.

Have a good weekend!
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