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  • FIRST POST
    • brizzlegirl
    • By brizzlegirl 16th Mar 18, 1:57 PM
    • 133Posts
    • 819Thanks
    brizzlegirl
    Ongoing Journey to being a Frugalista..
    • #1
    • 16th Mar 18, 1:57 PM
    Ongoing Journey to being a Frugalista.. 16th Mar 18 at 1:57 PM
    So..ladies and gents...it may be time for a new diary. The recent changes to the site seem to have booted me out...and as this place is essential (nay, critical) to my ongoing attempt to be a true frugalista I need to keep the diary posting going....plus of course I'd miss everyone on here. You are all fab and the support is always totally amazing.

    If they can sort out the problems then maybe I can still use the old diary...but maybe a new diary is a good thing. The old one was over 6 years old I think...I should have called it something like "to being debt free and back again.." but ho hum.

    So..we have good jobs, although I am SE, me and OH are in our 40's (great decade I think), have 2 brilliant teenage daughters who bring us deep joy and of course bring some stressy doubts too (don't they all?) and a real pride in our local community. For details of our travels and meanderings to being DF and then being less so, see the old diary -called "LBM in 2003...what have I been doing since??!"

    So whats the current story?

    We re-mortgaged last year and now have 13 years to go on the mortgage, but its a much better rate and its all based on OH's salary as it was less of a pain than proving all my details etc. But we would like to pay off the mortgage in c.5 years time. Doable. However at the same time we have debts from some big holidays last year, a car which is currently on a lease which we plan to buy at the end of the term (July) (that will be £11k out the door), a lodger who is going in a few months, daughters planning to go off to uni and a need to improve our savings rate. Also as I am SE I also need to think hard about ensuring I can continue in well paid work for as long as I want to..probably the next 8-10 years..then I want to slow down. OH is employed in an industry renowned for freelancers so thats always a good thing.

    I am looking at a big 'winding my neck in' (as me and Lucielle were saying a fortnight or so ago) and these are the scores on the doors.

    Savings

    ISA £12,500 (but S&S so fluctuates a bit) - aim to get it to £20k by Sept 2019 and to £30k by March 2020
    Emergency Fund (EF) £250 (wont stop until we get to £20k)
    Repairs Fund £880
    Tax Fund £3,032

    The Big But

    So this is it...that we have an OD of £4k and similar amounts of debts on some cards. This didnt exist a few years ago..we got our DF badge and everything but clearly my LBM had a malfunction.

    Anyroad up..

    I reckon the holidays can be paid for by May. So that's my first goal, then the OD, all the time continuing to pay into the EF, ISAs, pensions, maybe the mortgage OP pot and then all the rest. So onwards and upwards

    Love to you all xx
    Last edited by brizzlegirl; 01-04-2018 at 11:19 PM. Reason: typos
    MFW..aiming to pay it off in 2022.. 2018 Savings Rate - Goal 25% [25.2% March ] Income Goal £45/£750 April Goals: AFDs 10/15; Declutter 60 items 03/60; LSDs 04/10; NSDs xx/10 Exercise 10/30 Aiming to be a true Frugalista!
Page 10
    • brizzlegirl
    • By brizzlegirl 15th Apr 18, 4:09 PM
    • 133 Posts
    • 819 Thanks
    brizzlegirl
    Thanks guys. The final bill was even lower in the end, all paid from the vehicles EF..further discounts which of course is great. But does call the whole process into question.... alarmist is not the half of it.

    Slow day today but 2 classes this weekend which is great. No running though, sorry PF, but yesterday was too nice to run and today too grey and rainy. Also did a lovely walk on Friday with OH in and around the city with lots of fields and ruralesque stuff thrown in. So lots of exercise which is great as I do not feel tip top at the moment and generally weary. More sleep needed and less saying yes I think is in order..

    Meal planning done. Pretty easy meals to give us all a break and more time. Some stores to buy but not much.

    Finances wise, still hopeful we are heading in the right direction. Definitely a new impetus in the Brizzle household to get on top of this once and for all

    Have a good rest of the weekend folks x
    MFW..aiming to pay it off in 2022.. 2018 Savings Rate - Goal 25% [25.2% March ] Income Goal £45/£750 April Goals: AFDs 10/15; Declutter 60 items 03/60; LSDs 04/10; NSDs xx/10 Exercise 10/30 Aiming to be a true Frugalista!
    • Seasidegal58
    • By Seasidegal58 15th Apr 18, 7:45 PM
    • 1,846 Posts
    • 11,204 Thanks
    Seasidegal58
    You're walk sounded just the ticket brizzle. Lovely to get out in the fresh air in scenic surroundings.

    Have a good week!
    Finally Debt Free! - July 2016
    Finished Emergency Fund- £10,000 April 2017

    Next Scrimpy Goal - Ad Hoc Savings - 15/04/2018: £568.60
    My diary: “Paid off the £31,0000! BUT- still scrimping!”
    • PurpleFairy26
    • By PurpleFairy26 15th Apr 18, 7:52 PM
    • 2,112 Posts
    • 14,332 Thanks
    PurpleFairy26
    Thanks guys. The final bill was even lower in the end, all paid from the vehicles EF..further discounts which of course is great. But does call the whole process into question.... alarmist is not the half of it.

    Slow day today but 2 classes this weekend which is great. No running though, sorry PF, but yesterday was too nice to run and today too grey and rainy. Also did a lovely walk on Friday with OH in and around the city with lots of fields and ruralesque stuff thrown in. So lots of exercise which is great as I do not feel tip top at the moment and generally weary. More sleep needed and less saying yes I think is in order..

    Meal planning done. Pretty easy meals to give us all a break and more time. Some stores to buy but not much.

    Finances wise, still hopeful we are heading in the right direction. Definitely a new impetus in the Brizzle household to get on top of this once and for all

    Have a good rest of the weekend folks x
    Originally posted by brizzlegirl
    Ran on Thursday but did rower and elliptical thing today and loads of weights. Like you, yesterday was too nice for gym as a one of sunny day so long walk up steep hill to woods with the smalls and back. Happy days. Glad to see you so positive
    • brizzlegirl
    • By brizzlegirl 17th Apr 18, 5:54 PM
    • 133 Posts
    • 819 Thanks
    brizzlegirl
    Thanks PF.. was stalking on your diary but didnt get a chance to post..revision support interrupted! Am planning on a class this eve too. Hopefully home, soon. Grabbed a snack from M&S so not cheap but essential if I am going to actually go. Cannot go on an empty stomach but equally trying to eat better as am sure otherwise Its one reason for generally feeling below par.

    MSE wise, not bad. Taking in lunch and meal planning. Hopefully we are on track and staying there
    MFW..aiming to pay it off in 2022.. 2018 Savings Rate - Goal 25% [25.2% March ] Income Goal £45/£750 April Goals: AFDs 10/15; Declutter 60 items 03/60; LSDs 04/10; NSDs xx/10 Exercise 10/30 Aiming to be a true Frugalista!
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