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Ongoing Journey to being a Frugalista..

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Comments

  • greent
    greent Posts: 10,833 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    brizzlegirl wrote: »

    Money is tight, but YNAB is working out well. Certainly feel more ahead of the curve than ever before. Household insurance paid for a lump sum, tax bill paid in full. Next terms accommodation bill paid, all chunky numbers, but all paid for from current account which is great.

    :T:T:T How fantastic that must feel!!! :T:T:T
    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
  • brizzlegirl
    brizzlegirl Posts: 1,261 Forumite
    Seventh Anniversary 1,000 Posts Name Dropper
    edited 24 December 2019 at 12:01PM
    Hi all :hello:

    Thanks for all the support over the last year. Its amazing and I am sure I wouldn't be able to be this focussed without you lovely lot walking by my side.

    For the sharp eyed amongst you the chunky savings rate in November was due to our selling the car, but even so, am taking that and enjoying it :D

    Have a wonderful Christmas and New Year and here's to a successful, heartfilled and very debt free decade for us all:T:xmastree:

    Brizzle xx
  • jwil
    jwil Posts: 22,438 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Merry Christmas Brizzle :) :xmastree:
    "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
  • Moneyfordreams
    Moneyfordreams Posts: 2,442 Forumite
    Tenth Anniversary 1,000 Posts Name Dropper
    Wishing you all a lovely Christmas xx
    Mortgage restart June 2018 £119950Re mortgage August 19 £110470, … Mortgage November 22 £85600 final 0% CC 3300Home renovations - £65000, mid 2018 - mid 2022
  • greent
    greent Posts: 10,833 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Hope you're having a lovely Christmas :)
    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
  • beanielou
    beanielou Posts: 96,638 Ambassador
    Part of the Furniture 10,000 Posts Academoney Grad Mortgage-free Glee!
    Hope you had a lovely time 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: 1,261 Forumite
    Seventh Anniversary 1,000 Posts Name Dropper
    Thank you all. It’s been a very relaxing and lovely Christmas. Just back from another shift at our local homeless shelter so am feeling particularly thankful and privileged (in many ways)

    Enjoy the holidays all

    X
  • beanielou
    beanielou Posts: 96,638 Ambassador
    Part of the Furniture 10,000 Posts Academoney Grad Mortgage-free Glee!
    brizzlegirl wrote: »
    Thank you all. It’s been a very relaxing and lovely Christmas. Just back from another shift at our local homeless shelter so am feeling particularly thankful and privileged (in many ways)

    Enjoy the holidays all

    X
    That’s how the foodbank makes me feel
    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: 1,261 Forumite
    Seventh Anniversary 1,000 Posts Name Dropper
    I am sure Lou, it’s made me think about how I can help more regularly. Especially now the kids are bigger.

    So enjoying the calm. No visitors to entertain, it’s lush. I’ll do some chores today, but it’s not a hardship..at all.

    Looks like the first CC will now be finished in Feb, not Jan. We are swopping the card we are focussing on as a interest free period on one we weren’t focussing on is running out. But the first one going is still within our grasp. Can’t wait. Looked back at our debt pile of a year ago which I noted on some papers I found in the study yesterday. Horrific. Getting much better now.

    In other news we may have a new lodger for a bit. Unexpected but seems the right thing to do. It’s a short term thing so seems worth giving it a go, but does mean getting on with some decorating next week!
  • beanielou
    beanielou Posts: 96,638 Ambassador
    Part of the Furniture 10,000 Posts Academoney Grad Mortgage-free Glee!
    Good news on the lodger :)
    Even better news on the CC's :)
    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.
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