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  • FIRST POST
    • brizzledfw
    • By brizzledfw 5th Jan 12, 3:32 PM
    • 7,267Posts
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    brizzledfw
    LBM in 2003.. What have I been doing since??!
    • #1
    • 5th Jan 12, 3:32 PM
    LBM in 2003.. What have I been doing since??! 5th Jan 12 at 3:32 PM
    Hello

    I have decided to start a diary. Have lurked on here since early 2009, subscribed to loads of threads, loved all the camaraderie and found it very useful for getting shot of debt, starting savings and all that kind of good stuff but then have slipped and skidded into more debt, especially as I left a FT job this spring and yet seem to be still living as if I was FT and not PT...loving feeling more human though and seeing more of the kids but financially it's not great. I need to welcome and appreciate living a much more frugal life.

    HOWEVER..even writing that seems bonkers as for a household we are well off with an embarrassingly high income of about 90k gross. But clearly as the newly updated signature shows there is no hiding that we (OH, me and 2 DDs) are living beyond our means, failing to prioritise the right things and generally need to rectify all this otherwise, well no otherwise, it simply can't continue. All the savings and OP pot will go and I won't be able to rob Peter to pay Paul anymore which is what I think I have been doing.. Not sure ( which is also embarrassing ) but must have been plus then started to use the 0% credit cards again which can be a slippery slope if not used properly.

    I am going away now to do some more on why I have got myself into this mess, ensure I am clear there is no going back and also what my goals are. Hoping this will help me focus and as you guys ( hope you're reading are such a supportive bunch on here I am hoping you will also help me! But even if no one reads, I think I need the discipline of sticking to a programme..I can't afford to slip again. This needs to be a new permanent way of life. Currently we try and do all the things that make us feel good about ourselves, the world, the environment, our family..but perhaps we can't do it all and need to make choices? I guess everyone must but we have just not had to as yet.

    So a few things to do. Sorry for rambling first post but I needed to take the first step!! Which also reminds me must check out the 'what DFW things have you done today' thread..that used to be magic. Used to love doing that 'stock take' every day

    Onwards and upwards

    Cheers

    Brizzle
    MFiT-T4 Member No. 96 - 2022 is my MF goal
    Winter 17/18 Savings Rate Goal: 25% [October 30%]
    Declutter 60 items before 31.03.18 9/60 ** LSDs Target 10 for March 03/10 **AFDs 10/15 ** Sales/TCB Target 2018 £25/£500 NSDs Target 10 for March 02/10 Trying to be a Frugalista
Page 225
    • pennywisepoundstupid
    • By pennywisepoundstupid 12th Feb 18, 7:41 PM
    • 4,798 Posts
    • 16,343 Thanks
    pennywisepoundstupid
    Fantastic news, when does he start?
    Be mindful of your self-talk. It's a conversation with the Universe."
    Debt free and saving for my future
    Long term savings £10,000 Holiday spends £1000/£349.02 Kitchen savings stage 1 £1500/£160.24
    Amazon vouchers
    £9
    • please-let-me-be-lucky
    • By please-let-me-be-lucky 12th Feb 18, 7:42 PM
    • 8,841 Posts
    • 51,801 Thanks
    please-let-me-be-lucky
    Congratulations Xx
    Debts @ LBM £23,729.31. Debts @ 08/04/2016 £0

    NSDs achieved in 2018 31/60
    Best win so far - holiday to Florida
    • brizzledfw
    • By brizzledfw 12th Feb 18, 7:47 PM
    • 7,267 Posts
    • 35,710 Thanks
    brizzledfw
    Thanks guys. March I think. As it is with the same company it is probably a bit fluid.

    Really pleased. It will help his self belief too about work which has taken a bit of a beating recently.

    Did go out for a celebratory pint (just the one) and a LSd. Whoop!

    Xx
    MFiT-T4 Member No. 96 - 2022 is my MF goal
    Winter 17/18 Savings Rate Goal: 25% [October 30%]
    Declutter 60 items before 31.03.18 9/60 ** LSDs Target 10 for March 03/10 **AFDs 10/15 ** Sales/TCB Target 2018 £25/£500 NSDs Target 10 for March 02/10 Trying to be a Frugalista
    • beanielou
    • By beanielou 12th Feb 18, 9:07 PM
    • 55,063 Posts
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    beanielou
    Excellent news brizzled
    Lou~ Debt free Wanabe No 55 DF 03/03/14.
    **Credit card debt free 30/06/10~** **Weight loss 2 stone 11 lbs **

    "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.
    • jvr
    • By jvr 13th Feb 18, 8:11 AM
    • 420 Posts
    • 1,311 Thanks
    jvr
    Hi Brizzle, just caught up on your diary........ fab news about OH's job!
    Debt: £10,006 now £8698.38
    Emergency Fund: 456.17/ £1000


    • greent
    • By greent 13th Feb 18, 8:42 AM
    • 7,081 Posts
    • 72,156 Thanks
    greent
    Whoop whoop! - fab news re OH's job!
    x
    I am the master of my fate; I am the captain of my soul
    Repaid mtge early (orig 11/25) 01/09 £124616 01/10 £104927 01/11 £89873 01/12 £76317 01/13 £52546 01/14 £35356 01/15 £12133 07/15 £NIL
    BTL Mtge 12/16 £69786. 2018 OPs (#18) £1068.37/£4000
    Net sales 2018 £522.39/£1000 PAYDOX18 (#15) £18564.38/£18918.90
    • enthusiasticsaver
    • By enthusiasticsaver 13th Feb 18, 8:50 AM
    • 6,612 Posts
    • 13,910 Thanks
    enthusiasticsaver
    To get rid of apostrophes coming out as numbers if you are using apple device

    Go to settings and general and turn Smart Keyboard off. That seems to do the trick.
    Debt free and mortgage free and early retiree. Living the dream

    I'm a Board Guide on the Debt-Free Wannabe, Mortgages and Endowments, Banking and Budgeting boards. I volunteer to help get your forum questions answered and keep the forum running smoothly. Any views are mine and not the official line of moneysavingexpert.com. Pease remember, board guides don't read every post. If you spot an illegal or inappropriate post then please report it to forumteam@moneysavingexpert.com
    • Seasidegal58
    • By Seasidegal58 13th Feb 18, 9:42 PM
    • 1,993 Posts
    • 12,263 Thanks
    Seasidegal58
    Wonderful news on OH’s job brizzle!. He must be over the moon!

    Hope you had a lovely weekend away in the van too.
    Finally Debt Free! - July 2016
    Finished Emergency Fund- £10,000 April 2017

    Next Scrimpy Goal - Ad Hoc Savings - 23/06/2018: £665.09
    MONTHS TO RETIREMENT: 35!
    My diary: “Paid off the £31,0000! BUT- still scrimping!”
    • brizzledfw
    • By brizzledfw 14th Feb 18, 7:22 AM
    • 7,267 Posts
    • 35,710 Thanks
    brizzledfw
    Thanks all

    And thanks for the tip ES. Will try that.

    Have a good Wednesday x
    MFiT-T4 Member No. 96 - 2022 is my MF goal
    Winter 17/18 Savings Rate Goal: 25% [October 30%]
    Declutter 60 items before 31.03.18 9/60 ** LSDs Target 10 for March 03/10 **AFDs 10/15 ** Sales/TCB Target 2018 £25/£500 NSDs Target 10 for March 02/10 Trying to be a Frugalista
    • PurpleFairy26
    • By PurpleFairy26 15th Feb 18, 8:39 AM
    • 2,197 Posts
    • 14,864 Thanks
    PurpleFairy26
    Whoop whoop welldone mr Brizzle
    • Sun Addict
    • By Sun Addict 15th Feb 18, 2:23 PM
    • 5,847 Posts
    • 38,634 Thanks
    Sun Addict
    Fabulous news
    Virtual Sealed Pot 2018 £296.07
    Debt £2400
    June 4 NSDs 4 AFDs
    Weight loss 0.5/6LBS
    Emergency Fund £2000/£10,000
    • jwil
    • By jwil 18th Feb 18, 8:55 AM
    • 8,621 Posts
    • 26,622 Thanks
    jwil
    Great news on Mr Brizzle's job Hope you had a nice time away xx
    "If you can dream it, you can do it". Walt Disney
    • brizzledfw
    • By brizzledfw 22nd Feb 18, 8:08 PM
    • 7,267 Posts
    • 35,710 Thanks
    brizzledfw
    Thanks all. Came back to a seriously mad mad time at work. First time I have switched off in around a week. But its all money earnt so I am determined not to complain. Very fortunate to have well paid work so need to make sure I remember that.

    In MS news... back to TCB with a vengeance...been very useful when booking hotels for work. Had a payout and due to get another..current total at £25.

    Extravagant but a lifesaver is our cleaner..she has been visiting for 7 years I think and is truly brilliant. But she is moving to London. So rather than take up a replacement offer of a friend of hers am planning to do it all myself and then after exams DD1can do it... I have been really conscious that its money we should be throwing at the holiday CC, but its also her livelihood and she supports her family abroad with her earnings. But this is an ideal excuse to change things up a bit...and if DD1 wants to live here after exams she can do her bit (Will be interesting to see how this goes down.. will keep you posted!)

    Money spends really low as been working too hard. OH says he has been using up the freezer contents whilst I have been away. Will do some reconciliation soon. Suspects OH has been frugal but need to check YNAB.

    Lodger may move on in the Spring. Next steps being discussed. Am reasonably keen on AirB*B but OH less so. Think DD1 could do the changeovers? Less certainty of income than before but maybe good enough if prices correctly? Reckon could charge £24 p.n. This way we could also block out times when we want the room. Any suggestions folks?

    Doing the TTs. Making a difference. Love it - easy to do and a small step every day.

    Hope everyone is doing well and thanks so much for popping by xx
    Last edited by brizzledfw; 22-02-2018 at 8:16 PM.
    MFiT-T4 Member No. 96 - 2022 is my MF goal
    Winter 17/18 Savings Rate Goal: 25% [October 30%]
    Declutter 60 items before 31.03.18 9/60 ** LSDs Target 10 for March 03/10 **AFDs 10/15 ** Sales/TCB Target 2018 £25/£500 NSDs Target 10 for March 02/10 Trying to be a Frugalista
    • brizzledfw
    • By brizzledfw 22nd Feb 18, 10:31 PM
    • 7,267 Posts
    • 35,710 Thanks
    brizzledfw
    And..just written a letter to Spanish bank to correct some factual inaccuracies re PPI that apparently I took out 23 years ago... I was refused but am challenging...as their assumptions are incorrect.

    And.. DD1 very happy to take over as our cleaner in the summer...result!

    And.. got the form to exchange old banknotes with BoE..go me with my admin on a Thursday eve...
    MFiT-T4 Member No. 96 - 2022 is my MF goal
    Winter 17/18 Savings Rate Goal: 25% [October 30%]
    Declutter 60 items before 31.03.18 9/60 ** LSDs Target 10 for March 03/10 **AFDs 10/15 ** Sales/TCB Target 2018 £25/£500 NSDs Target 10 for March 02/10 Trying to be a Frugalista
    • PurpleFairy26
    • By PurpleFairy26 23rd Feb 18, 7:03 AM
    • 2,197 Posts
    • 14,864 Thanks
    PurpleFairy26
    And..just written a letter to Spanish bank to correct some factual inaccuracies re PPI that apparently I took out 23 years ago... I was refused but am challenging...as their assumptions are incorrect.

    And.. DD1 very happy to take over as our cleaner in the summer...result!

    And.. got the form to exchange old banknotes with BoE..go me with my admin on a Thursday eve...
    Originally posted by brizzledfw
    No stopping you Brizzle good work on the cleaner, I agree about livelihood, we only stopped our as I knew her employer could fill the hours elsewhere, we didn't employ her direct so she was ok.

    Airbnb is a great idea. We've used it a couple of times and booked our summer holidays in Spain through it this year. At least you could block out days you need it. £24 is a bargain, I'd stay
    • brizzledfw
    • By brizzledfw 23rd Feb 18, 7:15 AM
    • 7,267 Posts
    • 35,710 Thanks
    brizzledfw
    - for you PF itd be £0!!!! Stay any time!

    Good to know. Think we may pursue it as its more flexible.

    Have a great Friday. Hope youre well x
    MFiT-T4 Member No. 96 - 2022 is my MF goal
    Winter 17/18 Savings Rate Goal: 25% [October 30%]
    Declutter 60 items before 31.03.18 9/60 ** LSDs Target 10 for March 03/10 **AFDs 10/15 ** Sales/TCB Target 2018 £25/£500 NSDs Target 10 for March 02/10 Trying to be a Frugalista
    • beanielou
    • By beanielou 23rd Feb 18, 1:55 PM
    • 55,063 Posts
    • 219,995 Thanks
    beanielou
    Thursday admin way way better than mine
    Lou~ Debt free Wanabe No 55 DF 03/03/14.
    **Credit card debt free 30/06/10~** **Weight loss 2 stone 11 lbs **

    "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.
    • brizzledfw
    • By brizzledfw 23rd Feb 18, 5:05 PM
    • 7,267 Posts
    • 35,710 Thanks
    brizzledfw
    Do not get the idea that is usual practice for a Thursday in the Brizzle household!! but yes lots of stuff got done
    MFiT-T4 Member No. 96 - 2022 is my MF goal
    Winter 17/18 Savings Rate Goal: 25% [October 30%]
    Declutter 60 items before 31.03.18 9/60 ** LSDs Target 10 for March 03/10 **AFDs 10/15 ** Sales/TCB Target 2018 £25/£500 NSDs Target 10 for March 02/10 Trying to be a Frugalista
    • beanielou
    • By beanielou 23rd Feb 18, 6:25 PM
    • 55,063 Posts
    • 219,995 Thanks
    beanielou
    Do not get the idea that is usual practice for a Thursday in the Brizzle household!! but yes lots of stuff got done
    Originally posted by brizzledfw
    I am hoping to do 1/2 an hour tonight!!
    Wish me luck!!
    Lou~ Debt free Wanabe No 55 DF 03/03/14.
    **Credit card debt free 30/06/10~** **Weight loss 2 stone 11 lbs **

    "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.
    • brizzledfw
    • By brizzledfw 24th Feb 18, 4:51 PM
    • 7,267 Posts
    • 35,710 Thanks
    brizzledfw
    Hi Lou..how did it go??

    Have just spent ages on YNAB reconciling...feel very productive and dare I say it I have given myself a big pat on the back... and we are paying off the holiday CCs well and also building up a EF which we have never had before. Will be interesting to see what the savings rate is this month - must remember to do it. We are also reining back on another holiday we had planned this summer and thinking of a much cheaper option which is probably the right thing to do..but we are scoping everything out at the moment so we can prioritise that if we do decide to go for it. So very conscious of my DD1 soon heading off to being a 'proper' adult...and very keen to fill the memory bank before the ground shifts... I can forsee some tough times ahead adjusting tbh

    Watched the Revenant finally yesterday eve with the woodburner on at full blast...blimey. I did feel grateful for my first world problems like my amazing cleaner shipping off to London Amazing film but at times a very hard watch.

    Today I have:

    - budget set for the next 3 months. Have set a stretch target but its doable. Will be looking for some side hustles though and maybe some more Bay of E
    - defrosted HM bolognaise for tomorrow's dinner...this evening my MIL is making us tea
    - had my hair coloured - bliss and have lost the very unattractive two tone look
    - DD2 has used her own money for a trip to town, brought very expensive trainers and I am thanking the lord that my kids know not to ask, and indeed, don't...
    - DD1 revised this morning and then trotted off for another shift at the shop..she's a good worker that one
    - OH has been zooming around doing yet more chores and also cleaned the motorhome..bless him its never a nice job, especially when its cold


    Tomorrow I will:

    - meal plan for the week largely using up freezer and store cupboard plus our usual veg and milk box etc so no extras
    - send my CV out to a couple of possible opportunities
    - enjoy time with family and friends - already paid for too

    And in other news we will give Air B8B a go we have decided after the summer. If we don't like it we will stop, but worth a go and we like the idea of it being flexible.

    Had best get a shimmy on. Have a great weekend all

    Brizzle xx
    Last edited by brizzledfw; 24-02-2018 at 4:57 PM.
    MFiT-T4 Member No. 96 - 2022 is my MF goal
    Winter 17/18 Savings Rate Goal: 25% [October 30%]
    Declutter 60 items before 31.03.18 9/60 ** LSDs Target 10 for March 03/10 **AFDs 10/15 ** Sales/TCB Target 2018 £25/£500 NSDs Target 10 for March 02/10 Trying to be a Frugalista
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