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  • FIRST POST
    • brizzlegirl
    • By brizzlegirl 16th Mar 18, 1:57 PM
    • 299Posts
    • 1,807Thanks
    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% [29% May 25% June] 2018 Income Goal £76/£750 July Goals: AFDs 16/25; Declutter 60 items 07/60; LSDs xx/10; NSDs xx/10 Exercise 05/30 12k steps per day please Aiming to be a true Frugalista!
Page 17
    • brizzlegirl
    • By brizzlegirl 6th Jul 18, 1:46 PM
    • 299 Posts
    • 1,807 Thanks
    brizzlegirl
    Hello all

    Phew. Glad to be heading into the end of a busy week. DD1 has been away DD2 is exhausted with school exams extra classes dance yadda yadda and OH is getting up at 5 to work yadda yadda. We are ships in the night there is no food in the fridge (rectified by some shopping today) and the house needs a super clean.. hmm maybe a job for Aggie whatshername..

    But on the plus side the income is steady, we are in good health and OH is pleased about some potential new business. The sun is glorious and I love the predictability of the weather.

    I need to have a look at June but certainly groceries wise it was a complete winner. We rocked it at less than £300. Blooming amazing especially given we have organic fruit veg meat milk deliveries etc. But the freezer is looking low.

    Hope everyone is well. Hope to start catching up on your news this weekend

    Brizzle xxx
    MFW..aiming to pay it off in 2022.. 2018 Savings Rate - Goal 25% [29% May 25% June] 2018 Income Goal £76/£750 July Goals: AFDs 16/25; Declutter 60 items 07/60; LSDs xx/10; NSDs xx/10 Exercise 05/30 12k steps per day please Aiming to be a true Frugalista!
    • brizzlegirl
    • By brizzlegirl 6th Jul 18, 1:48 PM
    • 299 Posts
    • 1,807 Thanks
    brizzlegirl
    PS engineer here now. We should be back in business shortly panels wise. £5 per day we have probably lost.. maybe more. Gawd. Oh well. One of lifes ups and downs. Will write that letter tho
    MFW..aiming to pay it off in 2022.. 2018 Savings Rate - Goal 25% [29% May 25% June] 2018 Income Goal £76/£750 July Goals: AFDs 16/25; Declutter 60 items 07/60; LSDs xx/10; NSDs xx/10 Exercise 05/30 12k steps per day please Aiming to be a true Frugalista!
    • lucielle
    • By lucielle 7th Jul 18, 6:00 PM
    • 8,020 Posts
    • 34,330 Thanks
    lucielle
    That's so annoying! At least you'll feel like you've done something.
    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
    • beanielou
    • By beanielou 7th Jul 18, 8:13 PM
    • 55,484 Posts
    • 222,732 Thanks
    beanielou
    At least hopefully sorted out now.
    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 8th Jul 18, 3:12 PM
    • 2,036 Posts
    • 12,572 Thanks
    Seasidegal58
    Well done on the grocery bill brizzle. As you say, especially good as you are so organic!
    Finally Debt Free! - July 2016
    Finished Emergency Fund- £10,000 April 2017

    Next Scrimpy Goal - Ad Hoc Savings - 16/07/2018: £776.27
    MONTHS TO RETIREMENT: 34!
    My diary: ďPaid off the £31,0000! BUT- still scrimping!Ē
    • jwil
    • By jwil 9th Jul 18, 1:42 PM
    • 8,688 Posts
    • 26,924 Thanks
    jwil
    How annoying about the panels, hope the complaint works!
    "If you can dream it, you can do it". Walt Disney
    • brizzlegirl
    • By brizzlegirl 13th Jul 18, 8:30 AM
    • 299 Posts
    • 1,807 Thanks
    brizzlegirl
    A rest day.. thank god. Had a lie in. MUCH needed!!

    Just done big money shuffles and attacked the Car account hard which is great. Will try and do some analysis on June later and generally catch up.

    Hope everyone is good

    Brizzle x
    MFW..aiming to pay it off in 2022.. 2018 Savings Rate - Goal 25% [29% May 25% June] 2018 Income Goal £76/£750 July Goals: AFDs 16/25; Declutter 60 items 07/60; LSDs xx/10; NSDs xx/10 Exercise 05/30 12k steps per day please Aiming to be a true Frugalista!
    • brizzlegirl
    • By brizzlegirl 13th Jul 18, 11:59 AM
    • 299 Posts
    • 1,807 Thanks
    brizzlegirl
    Hello All

    So here we are again..

    The good news is as follows:

    - groceries last month were £299..blimey. Thats a complete record for us..
    - days out/entertainment budget was half of what it was in May..haircuts etc were loads lower and we paid some over and above what we usually do into the ISA and pension
    - setting apart the car purchase we were under May's spends so happy to say that we nominally hit the savings rate of 25% (but of course we didn't really as we had to shell out for a car)

    Panels are back online after a repair. That was paid for out of the 'repairs' account though which felt good. We are just waiting for a monitoring device so we can immediately see if they go offline again, but with a 10 year warranty on the inverter this time we are hoping we stay trouble free. Have to say this having pots of money to ease the unexpected is a bit of a revelation. I can't wait to get up to full strength on these, it has to be a focus for the next 12 months, to have a properly functioning EF.

    But in less good news..we paid for the car so its now ours for better or worse and so I now am hammering down the 0% credit cards that we paid for it on. We also paid the insurance for the year. We shopped around for both this and our business insurance but interestingly both were best with the current providers. I wonder if they are tweaking the algorithms and learning?? The 'Restaurants' category was well up on the previous month. However one of our 'new' places is a BYO so that helps and generally we are trying to drink much less which helps the spends.

    In July we will need to put something aside for the family holiday (everything else is paid for, including the Autumn holiday before DD goes travelling (if she has the cash!) and I have to pay my tax on account. However the 'tax' account has been replenished after being ravaged earlier in the year so thats all in hand and could be paid today if necessary. So as ever, in summary, I do need to keep my eye on the ball and its too easy to slip. If my income dropped (as it will in fact in August as I am taking some holiday) we hit a more rocky path. I signed up for the Frugalwoods' July challenge again but haven't really started it. So thats a job to do/start too. The beauty of that though is you could start on any day you choose as long as you work through the daily emails.

    I am reaching for a drink after work much much less and gradually the weight is dropping. I don't get much sleep though which I am sure makes it harder to shift. But thats a feature of my life at the moment and not sure what I do about it. Work to be done on exercising too. I am updating my signature. I need to run more, have only been twice this month but am loving my classes which feel wonderfully restorative after a brutal week at work. Went yesterday with OH and it was great. Slept so well afterwards. All in all life could be much much worse. For which I am supremely grateful

    Am loving the weather but think its on the turn, certainly here in the SW anyway.

    Love to you all and as always thanks for checking in

    Brizzle x
    Last edited by brizzlegirl; 13-07-2018 at 12:10 PM.
    MFW..aiming to pay it off in 2022.. 2018 Savings Rate - Goal 25% [29% May 25% June] 2018 Income Goal £76/£750 July Goals: AFDs 16/25; Declutter 60 items 07/60; LSDs xx/10; NSDs xx/10 Exercise 05/30 12k steps per day please Aiming to be a true Frugalista!
    • beanielou
    • By beanielou 13th Jul 18, 2:40 PM
    • 55,484 Posts
    • 222,732 Thanks
    beanielou
    Love to you too 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.
    • PurpleFairy26
    • By PurpleFairy26 13th Jul 18, 10:12 PM
    • 2,229 Posts
    • 15,074 Thanks
    PurpleFairy26
    All sounds so goodbrizzle running in this heat is too much so any exercise in the last 4 weeks is a win in my book.

    Keep up the excellent work. Much loves x
    • greent
    • By greent 15th Jul 18, 8:32 AM
    • 7,153 Posts
    • 72,816 Thanks
    greent
    How's the weather been? - we had a massive downpour for about an hour on Friday afternoon but then it warmed right back up again and yesterday was scorchio and today looks to be rather warm, too! I don't think that the gardens have really benefitted from the rain - there was lots of it but it didn't last long and just ran off the super hard earth. Water butts are all fully topped back up again though!
    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) £2772.47/£4000
    Net sales 2018 £558.92/£1000 PAYDOX18 (#15) Done £18918.90
    • jwil
    • By jwil 16th Jul 18, 12:24 PM
    • 8,688 Posts
    • 26,924 Thanks
    jwil
    I love hearing about your different categories of spending, I really need to sort out my spending diary.
    "If you can dream it, you can do it". Walt Disney
    • brizzlegirl
    • By brizzlegirl 16th Jul 18, 8:04 PM
    • 299 Posts
    • 1,807 Thanks
    brizzlegirl
    All good thanks ladies. Weather was cooler but then has got hotter again. Agree, greent, think that if it wasnít for our discarded washing up water our trees would be under some stress...

    Just had a lovely day out with a dear friend...all good and we thoroughly treated ourselves. Excellent lunch and yes a bottle of wine...bliss. Work again tomorrow though

    Jwil...hope youre good. Must pop by, sorry YNAB helps us categorise our spends. In that sense not sure what we would do without it. We spend far too much in some categories..for example I love food...can you tell

    Have a great week, much love xxx
    MFW..aiming to pay it off in 2022.. 2018 Savings Rate - Goal 25% [29% May 25% June] 2018 Income Goal £76/£750 July Goals: AFDs 16/25; Declutter 60 items 07/60; LSDs xx/10; NSDs xx/10 Exercise 05/30 12k steps per day please Aiming to be a true Frugalista!
    • brizzlegirl
    • By brizzlegirl 16th Jul 18, 8:07 PM
    • 299 Posts
    • 1,807 Thanks
    brizzlegirl
    BTW..update on savings from my original post..

    £15.6k ISA
    £1.3k Repairs Fund
    £4.2k Tax Fund
    £1.5k EF

    X
    MFW..aiming to pay it off in 2022.. 2018 Savings Rate - Goal 25% [29% May 25% June] 2018 Income Goal £76/£750 July Goals: AFDs 16/25; Declutter 60 items 07/60; LSDs xx/10; NSDs xx/10 Exercise 05/30 12k steps per day please Aiming to be a true Frugalista!
    • beanielou
    • By beanielou 16th Jul 18, 8:44 PM
    • 55,484 Posts
    • 222,732 Thanks
    beanielou
    BTW..update on savings from my original post..

    £15.6k ISA
    £1.3k Repairs Fund
    £4.2k Tax Fund
    £1.5k EF

    X
    Originally posted by brizzlegirl
    These totals are just fabarooni
    You dont seem to have a beanie fund though
    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.
    • brizzlegirl
    • By brizzlegirl 16th Jul 18, 9:42 PM
    • 299 Posts
    • 1,807 Thanks
    brizzlegirl
    Youre right..that needs rectifying immediately

    I do need a proper EF though..one to take care of one of us getting made redundant etc....6 months worth I think is the usual rule of thumb..

    X
    Last edited by brizzlegirl; 16-07-2018 at 9:46 PM.
    MFW..aiming to pay it off in 2022.. 2018 Savings Rate - Goal 25% [29% May 25% June] 2018 Income Goal £76/£750 July Goals: AFDs 16/25; Declutter 60 items 07/60; LSDs xx/10; NSDs xx/10 Exercise 05/30 12k steps per day please Aiming to be a true Frugalista!
    • jwil
    • By jwil 17th Jul 18, 2:16 PM
    • 8,688 Posts
    • 26,924 Thanks
    jwil
    Savings look great
    "If you can dream it, you can do it". Walt Disney
    • brizzlegirl
    • By brizzlegirl 17th Jul 18, 5:18 PM
    • 299 Posts
    • 1,807 Thanks
    brizzlegirl
    Its great having an EF. Even a small one. And whilst the tax fund will be largely demolished shortly, its great to have it and not have to worry. I do need to plan for December tho when more money goes out the door.

    Cold chicken this evening. Roasted it last night. Hosted at the weekend so fridge bulging again.

    Havenít read or heard from NOA or Pinot in a while..hope they are OK.

    Heading home. Shattered even though itís only Tuesday - saving myself a lengthy commute tomorrow though as working from home. Yippee! Grey clouds but muggy. Think the weather is changing...

    Love to all x
    MFW..aiming to pay it off in 2022.. 2018 Savings Rate - Goal 25% [29% May 25% June] 2018 Income Goal £76/£750 July Goals: AFDs 16/25; Declutter 60 items 07/60; LSDs xx/10; NSDs xx/10 Exercise 05/30 12k steps per day please Aiming to be a true Frugalista!
    • doingitanyway
    • By doingitanyway 17th Jul 18, 6:58 PM
    • 3,143 Posts
    • 16,411 Thanks
    doingitanyway
    Impressive savings pots there. Inspirational. I am hoping to get to £1,000 for my EF by the end of August.

    Well done
    JANUARY 2016/SECURED DEBT=24,822/March 2018=0 DEBT FREE 23/03/18
    MORTGAGE FREE 25/07/16
    • brizzlegirl
    • By brizzlegirl 17th Jul 18, 9:51 PM
    • 299 Posts
    • 1,807 Thanks
    brizzlegirl
    Thanks DIA...we are definitely turning a corner here in the Brizzle household..

    Have a good evening x
    MFW..aiming to pay it off in 2022.. 2018 Savings Rate - Goal 25% [29% May 25% June] 2018 Income Goal £76/£750 July Goals: AFDs 16/25; Declutter 60 items 07/60; LSDs xx/10; NSDs xx/10 Exercise 05/30 12k steps per day please Aiming to be a true Frugalista!
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