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  • FIRST POST
    • brizzlegirl
    • By brizzlegirl 16th Mar 18, 1:57 PM
    • 326Posts
    • 2,053Thanks
    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 15%July ] 2018 Income Goal 76/750 August Goals: AFDs 7/25; Decluttering 05/60; LSDs xx/10; NSDs xx/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
    • 4,344 Posts
    • 48,576 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
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