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  • FIRST POST
    • brizzlegirl
    • By brizzlegirl 16th Mar 18, 1:57 PM
    • 447Posts
    • 2,982Thanks
    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 32% Sept & Oct 0% Nov ] 2018 Income Goal £125/£750 December Goals: AFDs 03/25; Decluttering 15/60; LSDs 03/10; NSDs 01/10 Exercise 01/15 12k steps per day pls Aiming to be a true Frugalista!
Page 19
    • Greying Pilgrim
    • By Greying Pilgrim 12th Aug 18, 1:38 PM
    • 4,433 Posts
    • 49,997 Thanks
    Greying Pilgrim
    Was thinking of you yesterday brizzie - listening to the radio in the early morning, and someone texted in saying that they were on the M5 (not driving I hope) and they were watching balloons go up at the festival. Gosh, one of these days I'm gonna be there and see it fer meself


    I'm pretty sure that I may know of the bulk purchase shop of which you speak! Although I'm guilty of buying a jar of spice from there! i did better at harvest, and used paper bags to make my purchases.......


    Keep up the good work!


    Greying X
    'Ich habe genug' 'Your Vibe attracts your Tribe'

    'I am not in the pursuit of happiness, only in the discovery of joy' - Joyce Grenfell
    • greent
    • By greent 17th Aug 18, 5:56 PM
    • 7,606 Posts
    • 77,502 Thanks
    greent
    Hope yesterday went well xx
    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) £8K/£7500
    Net sales 2018 £751.22/£1000 PAYDOX18 (#15) Done £18918.90
    • scotdebs
    • By scotdebs 20th Aug 18, 12:48 PM
    • 563 Posts
    • 3,123 Thanks
    scotdebs
    Yay found your new diary - great to see you are doing so well with your saving pots etc Im still in the same mess I was when I last was brave enough to log on - but hey ho giving it another go - god loves a trier
    CC debt Aug 2018 £50.2K
    CC debt Nov 2018 £48.6K
    • PurpleFairy26
    • By PurpleFairy26 23rd Aug 18, 9:02 AM
    • 2,452 Posts
    • 16,648 Thanks
    PurpleFairy26
    Hey Brizzle hope all is well with you and your dd got what she wanted with her results.
    • greent
    • By greent 31st Aug 18, 6:00 PM
    • 7,606 Posts
    • 77,502 Thanks
    greent
    Hope you're having a fab family break
    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) £8K/£7500
    Net sales 2018 £751.22/£1000 PAYDOX18 (#15) Done £18918.90
    • Seasidegal58
    • By Seasidegal58 3rd Sep 18, 9:35 PM
    • 2,365 Posts
    • 14,648 Thanks
    Seasidegal58
    Hope all's going well with you and the family brizzle.
    Finally Debt Free! - July 2016
    Finished Emergency Fund- £10,000 April 2017

    Next Scrimpy Goal - Ad Hoc Savings - 10/11/2018 - £1801.03
    MONTHS TO RETIREMENT: 29
    My diary: “Paid off the £31,0000! BUT- still scrimping!”
    • brizzlegirl
    • By brizzlegirl 9th Sep 18, 4:45 PM
    • 447 Posts
    • 2,982 Thanks
    brizzlegirl
    Hello all

    Sorry its been too too long... holidays had a slightly unexpected non digital dimension as we had no signal or Wi-fi...whoop... so whilst terribly relaxing it was not much cop for cruising the MSE diaries

    DD1 did great thanks, enough for the course of her choice she thinks and a testament to her hard work over the last few years. She is working on her UCAS personal statement now alongside applying for as many jobs as she can. Bit daunted by the lack of structure she says but hopefully coming out of it this week.

    Had an amazing holiday in Scotland (hi Debs fab to hear from you) and then a spin across to Europe. Back around a week and its been full on at work so head is definitely still adjusting. Also what happened to my weather?!! No more flip flops and dark mornings. I am indeed in mourning.

    One of the many upsides of holidays in remote places (over 500 miles away and a ferry ride, it was lush) was the huge amount of reading and some of this was some oldies like Your Money or Your Life but also I discovered the Barefoot Investor...and it really resonated with me. So we are starting that process and have sorted a new YNAB accordingly....feels quite exciting really. I am also looking at changing my work up a bit but thats not certain so we shall see. I worked very little in August so money is tight but we are making some super cheap meals of lentils etc (in fact a rice/lentil risotto is on the stove now for lunches and one dinner next week) and the meal planning is sorted. DD1 is cleaning and doing some housework until she can pay some rent so happy with that.

    So...a cheap holiday in our van, cheap meals for the next few weeks, a new YNAB and no s8it Aussie straight talking guide to help us through, good results for DD1 and a DD2 who seems to have worked out she needs to work and did something most days in her summer and some new irons in the fire....its all good. Just wish my exercise was as on track !!!

    Love to all

    Brizzle x
    MFW..aiming to pay it off in 2022.. 2018 Savings Rate - Goal 40% [29%May 25%June 15%July 32% Sept & Oct 0% Nov ] 2018 Income Goal £125/£750 December Goals: AFDs 03/25; Decluttering 15/60; LSDs 03/10; NSDs 01/10 Exercise 01/15 12k steps per day pls Aiming to be a true Frugalista!
    • PurpleFairy26
    • By PurpleFairy26 9th Sep 18, 7:44 PM
    • 2,452 Posts
    • 16,648 Thanks
    PurpleFairy26
    So lovely to hear from you brizzle sometimes a digital detox can be just what the doctor ordered. All sounds fab in your world.

    I've recently found this recipe (linked from a fellow DFW'er) and it's fab, cheap and tasty on the colder autumnal days.

    https://cookingonabootstrap.com/2014/02/18/recipe-countdown-to-book-launch-chocolate-chilli-and-black-bean-soup-from-a-girl-called-jack/

    Take care and here's to a good September
    • Sun Addict
    • By Sun Addict 9th Sep 18, 9:01 PM
    • 6,421 Posts
    • 44,790 Thanks
    Sun Addict
    Glad all is well and DD1 is happy with her results

    Blast from the past with Your Money or Your Life - Alvin Hall was fab, used to love his programmes

    The weather has indeed gone pear shaped What happened to the Indian Summer they promised us?
    Virtual Sealed Pot 2010 £13.14
    Debt £1880
    Weight loss 0/6LBS
    Emergency Fund £4000/£10,000
    • beanielou
    • By beanielou 9th Sep 18, 9:10 PM
    • 58,871 Posts
    • 244,311 Thanks
    beanielou
    Loved Alvin Hall too.
    Wonder what happened to him.
    Lou~ Debt free Wanabe No 55 DF 03/03/14.
    **Credit card debt free 30/06/10~** **Weight loss 2 stone 12 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. ***Be the difference.***
    • Sun Addict
    • By Sun Addict 9th Sep 18, 9:11 PM
    • 6,421 Posts
    • 44,790 Thanks
    Sun Addict
    Beanie the last I heard he was a motivational speaker.
    Virtual Sealed Pot 2010 £13.14
    Debt £1880
    Weight loss 0/6LBS
    Emergency Fund £4000/£10,000
    • beanielou
    • By beanielou 9th Sep 18, 9:12 PM
    • 58,871 Posts
    • 244,311 Thanks
    beanielou
    Beanie the last I heard he was a motivational speaker.
    Originally posted by Sun Addict
    He would be fab at that.
    Lou~ Debt free Wanabe No 55 DF 03/03/14.
    **Credit card debt free 30/06/10~** **Weight loss 2 stone 12 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. ***Be the difference.***
    • brizzlegirl
    • By brizzlegirl 10th Sep 18, 8:44 AM
    • 447 Posts
    • 2,982 Thanks
    brizzlegirl
    Aha! This one is older - Joe Dominguez and Vicki Robin. Excellent book.

    Sun is shining here. Have just got on the wrong train but sun is making me smile!! Head still in holiday mode I think
    MFW..aiming to pay it off in 2022.. 2018 Savings Rate - Goal 40% [29%May 25%June 15%July 32% Sept & Oct 0% Nov ] 2018 Income Goal £125/£750 December Goals: AFDs 03/25; Decluttering 15/60; LSDs 03/10; NSDs 01/10 Exercise 01/15 12k steps per day pls Aiming to be a true Frugalista!
    • brizzlegirl
    • By brizzlegirl 10th Sep 18, 8:46 AM
    • 447 Posts
    • 2,982 Thanks
    brizzlegirl
    Recipe looks fab PF - already have black beans for a Frugalwoods recipe so am going to try this shortly. Thanks.

    Have a good Monday folks and thanks for popping by

    Brizzle
    MFW..aiming to pay it off in 2022.. 2018 Savings Rate - Goal 40% [29%May 25%June 15%July 32% Sept & Oct 0% Nov ] 2018 Income Goal £125/£750 December Goals: AFDs 03/25; Decluttering 15/60; LSDs 03/10; NSDs 01/10 Exercise 01/15 12k steps per day pls Aiming to be a true Frugalista!
    • XSpender
    • By XSpender 10th Sep 18, 10:21 AM
    • 3,168 Posts
    • 32,674 Thanks
    XSpender
    Aha! This one is older - Joe Dominguez and Vicki Robin. Excellent book.

    Sun is shining here. Have just got on the wrong train but sun is making me smile!! Head still in holiday mode I think
    Originally posted by brizzlegirl
    I've just finished that book, the new version. It was very good and really got me thinking. I haven't done any of the steps yet.
    £15,568.83 all at 0% at 16/11/18

    CC 1 £1980 CC2 £12,465.53 Carpets £1055.39 (22 months left) - £15,500.92 Total at 04/12/18

    Small EF 100% Big EF 0% Holiday 0% Garden 0% Carpets SIF Fund £100.47 (2+)
    • jwil
    • By jwil 10th Sep 18, 3:23 PM
    • 9,348 Posts
    • 30,249 Thanks
    jwil
    Glad you had a nice trip Brizzle
    "If you can dream it, you can do it". Walt Disney
    • brizzlegirl
    • By brizzlegirl 10th Sep 18, 9:02 PM
    • 447 Posts
    • 2,982 Thanks
    brizzlegirl
    Thanks jwil . Hows your summer been? X
    MFW..aiming to pay it off in 2022.. 2018 Savings Rate - Goal 40% [29%May 25%June 15%July 32% Sept & Oct 0% Nov ] 2018 Income Goal £125/£750 December Goals: AFDs 03/25; Decluttering 15/60; LSDs 03/10; NSDs 01/10 Exercise 01/15 12k steps per day pls Aiming to be a true Frugalista!
    • brizzlegirl
    • By brizzlegirl 10th Sep 18, 9:04 PM
    • 447 Posts
    • 2,982 Thanks
    brizzlegirl
    Glad you liked it XSpender. Its very thought provoking. I am afraid I picked and chose the steps.. but The Barefoot Investor is starting out well I am setting off on 9 steps (AA style )
    MFW..aiming to pay it off in 2022.. 2018 Savings Rate - Goal 40% [29%May 25%June 15%July 32% Sept & Oct 0% Nov ] 2018 Income Goal £125/£750 December Goals: AFDs 03/25; Decluttering 15/60; LSDs 03/10; NSDs 01/10 Exercise 01/15 12k steps per day pls Aiming to be a true Frugalista!
    • jwil
    • By jwil 11th Sep 18, 3:28 PM
    • 9,348 Posts
    • 30,249 Thanks
    jwil
    Thanks jwil . Hows your summer been? X
    Originally posted by brizzlegirl
    Not bad thanks Brizzle, not been up to much
    "If you can dream it, you can do it". Walt Disney
    • brizzlegirl
    • By brizzlegirl 11th Sep 18, 5:02 PM
    • 447 Posts
    • 2,982 Thanks
    brizzlegirl
    That can be very restorative (although with two small kids maybe less so!! )

    Nothing in the account. Up against it after all the time off last month. Roll on Friday
    MFW..aiming to pay it off in 2022.. 2018 Savings Rate - Goal 40% [29%May 25%June 15%July 32% Sept & Oct 0% Nov ] 2018 Income Goal £125/£750 December Goals: AFDs 03/25; Decluttering 15/60; LSDs 03/10; NSDs 01/10 Exercise 01/15 12k steps per day pls Aiming to be a true Frugalista!
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