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  • FIRST POST
    • brizzlegirl
    • By brizzlegirl 16th Mar 18, 1:57 PM
    • 351Posts
    • 2,252Thanks
    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 40% [29%May 25%June 15%July] 2018 Income Goal £88/£750 September Goals: AFDs 7/25; Decluttering 08/60; LSDs 02/10; NSDs xx/10 Exercise xx/15 12k steps per day pls Aiming to be a true Frugalista!
Page 12
    • Sun Addict
    • By Sun Addict 7th May 18, 9:07 PM
    • 6,120 Posts
    • 41,314 Thanks
    Sun Addict
    You can't knock 13% savings in what you think is a bad month. I think that's good. You're doing much better than you give yourself credit for.

    Well done to DD prioritising her revision.

    Why can't the weather last until at least September. How much better does it make you feel?
    Virtual Sealed Pot 2018 £404.08
    Debt £2180
    Weight loss 0/6LBS
    Emergency Fund £4000/£10,000
    • brizzlegirl
    • By brizzlegirl 7th May 18, 9:39 PM
    • 351 Posts
    • 2,252 Thanks
    brizzlegirl
    Thanks folks. Well today was a success. -filing nailed and the study looks SO much better. DD1 did 10 hours over a 14 hour period... just trying to get her to stick to a 10pm bedtime now. She worked hard so well done her. OH was busy on chores. Rotting window frames. Yikes. Not part of the plan - but at least hes started the repairs. Organised various birthday presents and caught up on some business development. Ate outside for every meal Have cooked and meal planned. An AFD but no exercise but cannot complain.. that extra day was well used!
    MFW..aiming to pay it off in 2022.. 2018 Savings Rate - Goal 40% [29%May 25%June 15%July] 2018 Income Goal £88/£750 September Goals: AFDs 7/25; Decluttering 08/60; LSDs 02/10; NSDs xx/10 Exercise xx/15 12k steps per day pls Aiming to be a true Frugalista!
    • brizzlegirl
    • By brizzlegirl 7th May 18, 9:42 PM
    • 351 Posts
    • 2,252 Thanks
    brizzlegirl
    SA.. it makes us feel a million times better doesnt it? Serotonin I gusss but I love it (as given all your holidays I know you do too ) Greent - she did have breaks but apart from sitting in the garden for lunch didnt see the sun

    Hope everyone has a good week ahead

    X
    MFW..aiming to pay it off in 2022.. 2018 Savings Rate - Goal 40% [29%May 25%June 15%July] 2018 Income Goal £88/£750 September Goals: AFDs 7/25; Decluttering 08/60; LSDs 02/10; NSDs xx/10 Exercise xx/15 12k steps per day pls Aiming to be a true Frugalista!
    • beanielou
    • By beanielou 7th May 18, 9:52 PM
    • 56,808 Posts
    • 231,153 Thanks
    beanielou
    Hope you have a good week ahead
    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. MFW 2018. No 144
    • brizzlegirl
    • By brizzlegirl 12th May 18, 9:28 AM
    • 351 Posts
    • 2,252 Thanks
    brizzlegirl
    All good. Getting loads more sleep which is making a huge difference. Feel SO much better.

    More challenging things this week...

    - we have very little spare after salting away what we need for the car
    - TTs have been done but they have been for very small amounts
    - my EF is almost at £0 (see first bullet point, I know we are acquiring an asset, but even so it hurts)
    - lodger moves out in about a week. I have said no to more overseas students for the foreseeable future, we have had people living in our house for most of the last 10 years and its time for a bit of a break not that they havent enriched our lives...but I need some quiet space
    - OH away for work for a while. Maybe a week or so. Means I need to be super organised.

    Nice things:

    - fantastic free time at a spa with my sis. We had to complain last time we went there (we have been going for years so it was a surprise) and they upped their game brilliantly and restored our faith. Very happy and very relaxed.
    - booked a nice trip out for my parents in July with the family. They will love it. No discounts tho so pricey.
    - garden looking much better after work on it last weekend

    Best get on with the inevitable list of chores. Have a great weekend all

    Brizzle x
    Last edited by brizzlegirl; 12-05-2018 at 9:41 AM.
    MFW..aiming to pay it off in 2022.. 2018 Savings Rate - Goal 40% [29%May 25%June 15%July] 2018 Income Goal £88/£750 September Goals: AFDs 7/25; Decluttering 08/60; LSDs 02/10; NSDs xx/10 Exercise xx/15 12k steps per day pls Aiming to be a true Frugalista!
    • beanielou
    • By beanielou 12th May 18, 10:37 AM
    • 56,808 Posts
    • 231,153 Thanks
    beanielou
    Have a lovely day

    Good news on the spa.

    I can understand wanting the quiet after having the lodgers.
    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. MFW 2018. No 144
    • brizzlegirl
    • By brizzlegirl 15th May 18, 8:06 PM
    • 351 Posts
    • 2,252 Thanks
    brizzlegirl
    Phew. Feel like have worked a week already...
    Shattered. Taking kids out for a burger this eve as cant face cooking. Am also eating junk. On train eating peanuts and drinking coke. Ridiculous. But thats where I am.. cant lie to my virtual buddies on here...

    In good news OH got paid more this month and some FL money. Happy days
    Last edited by brizzlegirl; 15-05-2018 at 9:43 PM.
    MFW..aiming to pay it off in 2022.. 2018 Savings Rate - Goal 40% [29%May 25%June 15%July] 2018 Income Goal £88/£750 September Goals: AFDs 7/25; Decluttering 08/60; LSDs 02/10; NSDs xx/10 Exercise xx/15 12k steps per day pls Aiming to be a true Frugalista!
    • beanielou
    • By beanielou 15th May 18, 8:15 PM
    • 56,808 Posts
    • 231,153 Thanks
    beanielou
    Good news on more pay for your OH.
    What is FL?
    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. MFW 2018. No 144
    • brizzlegirl
    • By brizzlegirl 15th May 18, 9:39 PM
    • 351 Posts
    • 2,252 Thanks
    brizzlegirl
    Sorry - me and my acronyms....freelance. He gets some extra income from time to time. Always useful

    All shattered. DD1 making herself ill. Roll on 16 August ! When hopefully she gets some good results and itll have been worth it

    Have a good eve all x
    MFW..aiming to pay it off in 2022.. 2018 Savings Rate - Goal 40% [29%May 25%June 15%July] 2018 Income Goal £88/£750 September Goals: AFDs 7/25; Decluttering 08/60; LSDs 02/10; NSDs xx/10 Exercise xx/15 12k steps per day pls Aiming to be a true Frugalista!
    • brizzlegirl
    • By brizzlegirl 15th May 18, 9:40 PM
    • 351 Posts
    • 2,252 Thanks
    brizzlegirl
    Lodger leaves this week.. DD2 already measuring for curtains and trying to negotiate a carpet
    MFW..aiming to pay it off in 2022.. 2018 Savings Rate - Goal 40% [29%May 25%June 15%July] 2018 Income Goal £88/£750 September Goals: AFDs 7/25; Decluttering 08/60; LSDs 02/10; NSDs xx/10 Exercise xx/15 12k steps per day pls Aiming to be a true Frugalista!
    • beanielou
    • By beanielou 15th May 18, 9:42 PM
    • 56,808 Posts
    • 231,153 Thanks
    beanielou
    Lodger leaves this week.. DD2 already measuring for curtains and trying to negotiate a carpet
    Originally posted by brizzlegirl
    Love it
    When do DD1's exams finish?
    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. MFW 2018. No 144
    • greent
    • By greent 16th May 18, 8:10 AM
    • 7,341 Posts
    • 74,447 Thanks
    greent
    Is DD1 scheduling in enough downtime from revision? 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) £6100/£7500
    Net sales 2018 £655.15/£1000 PAYDOX18 (#15) Done £18918.90
    • jwil
    • By jwil 16th May 18, 1:56 PM
    • 8,986 Posts
    • 28,333 Thanks
    jwil
    Yay to extra cash Hope DD manages to get a break. It won't help her exam performance if she's ill from too much revising.
    "If you can dream it, you can do it". Walt Disney
    • brizzlegirl
    • By brizzlegirl 17th May 18, 8:04 AM
    • 351 Posts
    • 2,252 Thanks
    brizzlegirl
    Hi there everyone

    DD1 finishes mid June so not long now. Its pretty tense and they are still learning new content. She has missed volunteering but yes we have been making sure there is some fun time and for example last Sunday (sunny) she spent time outside with friends. She needs to go to bed earlier but stays up to try and catch up. Think I will crack down on that from this weekend. Hows your boy doing greent? Its tough. I dont envy these guys.

    DD2 is... she literally is beanie... I am not joking Hes leaving some stuff with us for a bit, hes collecting it next month and shes planning to have carpet laid and have moved in by next week... its funny. Had a lovely evening with them all last night (not OH he was working ) and loved it. Our lodger will be missed.

    Have a weekend break this weekend, cant wait. Need to dial down. Bonkers week. Leftovers this eve to use up whats in fridge, to spend less and so we dont have to cook. No exercise this week and not enough sleep. Ugh.

    But on money side that boost from OH has made a huge difference. Hope to pay off final holiday CC TOMORROW
    Last edited by brizzlegirl; 18-05-2018 at 8:29 AM.
    MFW..aiming to pay it off in 2022.. 2018 Savings Rate - Goal 40% [29%May 25%June 15%July] 2018 Income Goal £88/£750 September Goals: AFDs 7/25; Decluttering 08/60; LSDs 02/10; NSDs xx/10 Exercise xx/15 12k steps per day pls Aiming to be a true Frugalista!
    • beanielou
    • By beanielou 17th May 18, 8:45 AM
    • 56,808 Posts
    • 231,153 Thanks
    beanielou
    Good news on the weekend break
    Even better news on the holiday credit card
    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. MFW 2018. No 144
    • greent
    • By greent 17th May 18, 2:00 PM
    • 7,341 Posts
    • 74,447 Thanks
    greent
    Whoop whoop! to paying off the CC!

    My DS1 is too laid back where exams are concerned! There's no chance of him revising into the night! He's taking it more seriously than his AS exams last year, thank goodness, but probably still relying far too much on natural ability (which may get him decent grades anyway, but some hard work could get him great grades) I, too, don't envy them nowadays - it just seems so much more stressful than when I took my exams (although I have to confess to being one of those annoying types who didn't really revise - I read through my notes the night before/ on the bus on the way in to school most of the time ) Mental health issues seem much more prevalent nowadays - I suspect some were there years ago but hushed up, but more students seem to suffer now
    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) £6100/£7500
    Net sales 2018 £655.15/£1000 PAYDOX18 (#15) Done £18918.90
    • lucielle
    • By lucielle 17th May 18, 8:49 PM
    • 8,054 Posts
    • 34,478 Thanks
    lucielle
    Great news on the CC. Still trying to work out the best route to take with mine
    L
    Total Debt Dec 07 £59875.83 Overdrafts £2900,New Debt Figure ZERO !!!!!! 08/06/2013
    Lucielle's Daring Debt Free Journey
    DFD Before we Die!!!! Long Haul Supporter #124
    • jwil
    • By jwil 18th May 18, 12:32 PM
    • 8,986 Posts
    • 28,333 Thanks
    jwil
    Great news on the CC
    "If you can dream it, you can do it". Walt Disney
    • brizzlegirl
    • By brizzlegirl 18th May 18, 3:01 PM
    • 351 Posts
    • 2,252 Thanks
    brizzlegirl
    Just waiting for the final figure from OH (wheres that eye roll emoji) and it will be done... its in his name so he needs to let me know.

    Cant wait for this weekend to start. Off for a weekend with friends. Will be a TOP time.

    Hope everyone has a good time in the sun. Thanks for all the support and good wishes

    Xx
    MFW..aiming to pay it off in 2022.. 2018 Savings Rate - Goal 40% [29%May 25%June 15%July] 2018 Income Goal £88/£750 September Goals: AFDs 7/25; Decluttering 08/60; LSDs 02/10; NSDs xx/10 Exercise xx/15 12k steps per day pls Aiming to be a true Frugalista!
    • beanielou
    • By beanielou 18th May 18, 5:42 PM
    • 56,808 Posts
    • 231,153 Thanks
    beanielou
    Have a fantastic weekend
    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. MFW 2018. No 144
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