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  • FIRST POST
    • brizzledfw
    • By brizzledfw 5th Jan 12, 3:32 PM
    • 7,275Posts
    • 35,697Thanks
    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 229
    • brizzledfw
    • By brizzledfw 13th Mar 18, 7:44 AM
    • 7,275 Posts
    • 35,697 Thanks
    brizzledfw
    Best of luck with the HR conversation.. a friend is doing the same thing. Also a very male dominated industry and their stats were nothing short of shocking. It does help working for oneself sometimes!!!

    Hoping for a slightly easier week. Making another pledge to keep spends low. OH very keen to shift the holiday debt and the OD crept up whilst we were away. TTs done today. Also reading Frugalwoods book which is an excellent read. I do like her style. Lots of helping kids with homework and revision, makes for a jampacked week but its worth it. Taking lunches and flask of cofffee in is helping a bit too.

    Roast chicken this eve from a recipe in the free Trose magazine. Cannae wait!!

    Have a good day folks.
    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 13th Mar 18, 9:03 PM
    • 7,275 Posts
    • 35,697 Thanks
    brizzledfw
    PRoblems logging in.. anyone else having difficulties??
    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 13th Mar 18, 9:22 PM
    • 53,923 Posts
    • 213,415 Thanks
    beanielou
    Not at the moment.
    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 13th Mar 18, 9:23 PM
    • 7,275 Posts
    • 35,697 Thanks
    brizzledfw
    It doesnt even recognise my email address.. boo
    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 13th Mar 18, 9:24 PM
    • 7,275 Posts
    • 35,697 Thanks
    brizzledfw
    Phone access still working. But not from laptop.

    Ho hum. Thanks beanie. Have a good eve 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 13th Mar 18, 9:32 PM
    • 53,923 Posts
    • 213,415 Thanks
    beanielou
    Hope that you get it sorted brizzled xx
    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.
    • Seasidegal58
    • By Seasidegal58 13th Mar 18, 10:04 PM
    • 1,912 Posts
    • 11,698 Thanks
    Seasidegal58
    Have logged in via iPad - no trouble.

    I emailed HR on the gender pay issue brizzle. Apparently they did not publish last year as we had under 250 employees as at 1st April 2017. However we will have over 250 on 1st April 2018 they will be publishing results sometime during the year! Shall wait and see....

    Sounds another really busy week in the brizzle household. Good going on the home produced lunches and coffee - every little helps!
    Finally Debt Free! - July 2016
    Finished Emergency Fund- £10,000 April 2017

    Next Scrimpy Goal - Ad Hoc Savings - 20/05/2018: £646.59
    [CONOR=red]MONTHS TO RETIREMENT: 36!
    My diary: “Paid off the £31,0000! BUT- still scrimping!”
    [/COLOR]
    • brizzledfw
    • By brizzledfw 14th Mar 18, 7:45 AM
    • 7,275 Posts
    • 35,697 Thanks
    brizzledfw
    Aaw thanks SSG and beanie for popping by and commenting. Always lovely to get your messages. Sitting here on the train with my flask of hot brewed coffee that OH made for me I feel very privileged!

    Last commute this week as working from home tomorrow and Friday. Good for my wallet but also my sleep debt which doesnt seem to get much smaller. I was really good at early nights in January - failing now. Cant drink at the moment which is good.. I am clinging on and if I mixed alcohol in I would probably do myself some serious mischief.

    Got some notes for a bullet journal. Thats a goal for the weekend. Finished FW book. Enjoyed it. Beginning maybe more than the end but even so. Hoping OH will read it and then happy to lend out if anyone wants to borrow.

    Sad news from a dear friend last night that their dream goals may not be able to be realised. Hated hearing it - its so unfair. Wracking my brains to see if a way round it, but looks like things are out of their control.

    Have a good day folks - heres to lots of stuff today!
    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
    • Seasidegal58
    • By Seasidegal58 14th Mar 18, 1:29 PM
    • 1,912 Posts
    • 11,698 Thanks
    Seasidegal58
    Sorry to hear of your friend's woes brizzle - I hope that something can be sorted.

    Good luck with the bullet journal at the weekend! They are very popular these days!
    Finally Debt Free! - July 2016
    Finished Emergency Fund- £10,000 April 2017

    Next Scrimpy Goal - Ad Hoc Savings - 20/05/2018: £646.59
    [CONOR=red]MONTHS TO RETIREMENT: 36!
    My diary: “Paid off the £31,0000! BUT- still scrimping!”
    [/COLOR]
    • redofromstart
    • By redofromstart 14th Mar 18, 1:41 PM
    • 1,674 Posts
    • 10,007 Thanks
    redofromstart
    Have to admit I really like the concept of bullet journals but just haven't managed to pin myself down to actually doing something about it. I'm interested to hear how you get on with yours.
    • jwil
    • By jwil 14th Mar 18, 2:32 PM
    • 8,503 Posts
    • 25,998 Thanks
    jwil
    What's the Frugalwoods book about?
    "If you can dream it, you can do it". Walt Disney
    • beanielou
    • By beanielou 14th Mar 18, 3:02 PM
    • 53,923 Posts
    • 213,415 Thanks
    beanielou
    Not sure I know what a bullet journal is.
    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 15th Mar 18, 8:01 AM
    • 7,275 Posts
    • 35,697 Thanks
    brizzledfw
    Hi - it seems to be a collection of goals, musings, nice thoughts.. practical stuff like meal planning or debt busting. Whatever you want it to be really. A journal that goes beyond a record of what you will do or have done that day.

    Not started it yet so lets see how it goes!

    Have a good day folks!
    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 15th Mar 18, 8:02 AM
    • 7,275 Posts
    • 35,697 Thanks
    brizzledfw
    Havent worked out why its called a bullet journal though.. that eludes me..

    Just done an interim money shuffle which feels good and sets me up for the day. Also yesterday was a NSD. Baby steps I guess. Today should be one too as any spends OH has will be reimbursed by work. And all I am doing is work and then a class which is prepaid.

    Have a good day all

    Brizzle x
    Last edited by brizzledfw; 15-03-2018 at 8:11 AM.
    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
    • greent
    • By greent 15th Mar 18, 8:30 AM
    • 7,007 Posts
    • 71,540 Thanks
    greent
    I always thought it was called a Bullet Journal because you write things in it in bullet points, rather than in prose style (as would be more common in a standard journal, perhaps?)

    Have a good couple of days working from home
    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) £877.49/£4000
    Net sales 2018 £491.03/£1000 PAYDOX18 (#15) £13869.38/£18694.38
    • beanielou
    • By beanielou 15th Mar 18, 10:28 AM
    • 53,923 Posts
    • 213,415 Thanks
    beanielou
    Have a good day.
    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 15th Mar 18, 5:51 PM
    • 7,275 Posts
    • 35,697 Thanks
    brizzledfw
    Aha - that makes sense - bullet points are my speciality!

    Had a good day thanks - did go into the office - but on way home now. Yippee!!

    A NSD today - thank goodness. We need to keep those up. Also need to focus on some business development. Next week Need to crack on.

    Looking forward to class this eve and a big money shuffle tomorrow. 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
    • brizzlegirl
    • By brizzlegirl 16th Mar 18, 1:40 PM
    • 208 Posts
    • 1,239 Thanks
    brizzlegirl
    Doing my nut trying to log in using the details I have been using for 9 or more years.... what have they done to this site!!!????

    Currently starting a new identity and maybe a new diary...maybe its a ripe time for a change...but humph. Cross....should be at a time of my choosing...

    Hope everyone is good, hugs to all xxx
    MFW..aiming to pay it off in 2022.. 2018 Savings Rate - Goal 25% [25.2% March 13% April ] Income Goal £56/£750 May Goals: AFDs xx/15; Declutter 60 items xx/60; LSDs xx/10; NSDs xx/10 Exercise xx/30 Aiming to be a true Frugalista!
    • brizzlegirl
    • By brizzlegirl 16th Mar 18, 5:02 PM
    • 208 Posts
    • 1,239 Thanks
    brizzlegirl
    Shiny new diary and a new username...brizzlegirl has moved (evicted really )

    Not sure how to post a link, but its called Ongoing journey to becoming a Frugalista..

    Brizzle xx
    MFW..aiming to pay it off in 2022.. 2018 Savings Rate - Goal 25% [25.2% March 13% April ] Income Goal £56/£750 May Goals: AFDs xx/15; Declutter 60 items xx/60; LSDs xx/10; NSDs xx/10 Exercise xx/30 Aiming to be a true Frugalista!
    • greent
    • By greent 17th Mar 18, 1:44 PM
    • 7,007 Posts
    • 71,540 Thanks
    greent
    Here you go:
    http://forums.moneysavingexpert.com/showthread.php?t=5811401
    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) £877.49/£4000
    Net sales 2018 £491.03/£1000 PAYDOX18 (#15) £13869.38/£18694.38
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