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  • FIRST POST
    • brizzlegirl
    • By brizzlegirl 16th Mar 18, 1:57 PM
    • 401Posts
    • 2,658Thanks
    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] 2018 Income Goal £100/£750 November Goals: AFDs 11/25; Decluttering 02/60; LSDs 04/10; NSDs 01/10 Exercise 01/15 12k steps per day pls Aiming to be a true Frugalista!
Page 20
    • greent
    • By greent 12th Sep 18, 5:40 PM
    • 7,510 Posts
    • 76,227 Thanks
    greent
    Sounds like a lovely break was had, brizzle

    Is the Barefoot Investor the Australian chap?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) £7127.06/£7500
    Net sales 2018 £718.06/£1000 PAYDOX18 (#15) Done £18918.90
    • brizzlegirl
    • By brizzlegirl 12th Sep 18, 6:04 PM
    • 401 Posts
    • 2,658 Thanks
    brizzlegirl
    It was great thanks greent.
    Yep, Scott Pape. Good focussed manual I’d say.

    Unusually back from work early. Love it....
    MFW..aiming to pay it off in 2022.. 2018 Savings Rate - Goal 40% [29%May 25%June 15%July 32% Sept & Oct] 2018 Income Goal £100/£750 November Goals: AFDs 11/25; Decluttering 02/60; LSDs 04/10; NSDs 01/10 Exercise 01/15 12k steps per day pls Aiming to be a true Frugalista!
    • beanielou
    • By beanielou 12th Sep 18, 7:56 PM
    • 57,975 Posts
    • 238,518 Thanks
    beanielou
    Hurrah for being back from work
    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. MFW 2018. No 144
    • brizzlegirl
    • By brizzlegirl 15th Sep 18, 5:45 PM
    • 401 Posts
    • 2,658 Thanks
    brizzlegirl
    So enjoying a weekend with minimal stuff to do. Will do some work tomorrow but that’s a whole 24 hours away bliss...

    New budget holding up. Much less budget lines and I am enjoying the simplicity of the Barefoot approach. Feel calmer as a result.

    Hope everyone is good. Enjoy the weekend x
    MFW..aiming to pay it off in 2022.. 2018 Savings Rate - Goal 40% [29%May 25%June 15%July 32% Sept & Oct] 2018 Income Goal £100/£750 November Goals: AFDs 11/25; Decluttering 02/60; LSDs 04/10; NSDs 01/10 Exercise 01/15 12k steps per day pls Aiming to be a true Frugalista!
    • jwil
    • By jwil 17th Sep 18, 10:21 AM
    • 9,204 Posts
    • 29,292 Thanks
    jwil
    Glad you had a good weekend
    "If you can dream it, you can do it". Walt Disney
    • Seasidegal58
    • By Seasidegal58 17th Sep 18, 1:05 PM
    • 2,238 Posts
    • 13,858 Thanks
    Seasidegal58
    Hi brizzle - just caught up with you! Your holiday sounded amazing. I love the wilds of Scotland!

    Must have a look at the Barefoot Investor. Interestingly, there was a news article in The Times today on FIRE. The article even garnered a spot in the old Thunderer's editorial column!

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

    Next Scrimpy Goal - Ad Hoc Savings - 07/11/2018 - £1771.05
    MONTHS TO RETIREMENT: 30
    My diary: “Paid off the £31,0000! BUT- still scrimping!”
    • slowlyfading
    • By slowlyfading 17th Sep 18, 3:44 PM
    • 12,967 Posts
    • 74,525 Thanks
    slowlyfading
    I'll have a look at the Barefoot Investor too - not heard of them! I think the world of FIRE is catch on
    Be who you are and say what you feel because those who mind don't matter and those who matter don't mind - Dr Seuss
    Personal Finance Blogger / Nov NSD - 4 / In pursuit of FIRE
    • brizzlegirl
    • By brizzlegirl 17th Sep 18, 5:48 PM
    • 401 Posts
    • 2,658 Thanks
    brizzlegirl
    Thanks for popping by SF, SSG, jwil and all I must look for that article. Thanks for the tip. Been running around like the proverbial today so haven’t seen. But am ahead of where I usually am. Dinner in oven ready for my getting back from class.. yay! Quiche using lots of eggs from my lovely hens and HM pastry too. Leftovers and a few veggies in as filling. Think it will be good.

    DD1 also getting interviews. Please send positive thoughts. She’s a good kid and I’d like her to be on her way to getting some cash in too

    Have a good evening 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] 2018 Income Goal £100/£750 November Goals: AFDs 11/25; Decluttering 02/60; LSDs 04/10; NSDs 01/10 Exercise 01/15 12k steps per day pls Aiming to be a true Frugalista!
    • beanielou
    • By beanielou 17th Sep 18, 7:01 PM
    • 57,975 Posts
    • 238,518 Thanks
    beanielou
    POsitive vibes for DD1
    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. MFW 2018. No 144
    • Sun Addict
    • By Sun Addict 17th Sep 18, 8:21 PM
    • 6,312 Posts
    • 43,529 Thanks
    Sun Addict
    Positive vibes from me too xx
    Virtual Sealed Pot 2018 £404.08
    Debt £2180
    Weight loss 0/6LBS
    Emergency Fund £4000/£10,000
    • greent
    • By greent 17th Sep 18, 9:11 PM
    • 7,510 Posts
    • 76,227 Thanks
    greent
    Yeay to interviews - and fingers crossed that at least one turns into an offer 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) £7127.06/£7500
    Net sales 2018 £718.06/£1000 PAYDOX18 (#15) Done £18918.90
    • Seasidegal58
    • By Seasidegal58 17th Sep 18, 9:23 PM
    • 2,238 Posts
    • 13,858 Thanks
    Seasidegal58
    Lots of good vibrations from Seasideville as well!
    Finally Debt Free! - July 2016
    Finished Emergency Fund- £10,000 April 2017

    Next Scrimpy Goal - Ad Hoc Savings - 07/11/2018 - £1771.05
    MONTHS TO RETIREMENT: 30
    My diary: “Paid off the £31,0000! BUT- still scrimping!”
    • jwil
    • By jwil 18th Sep 18, 9:44 AM
    • 9,204 Posts
    • 29,292 Thanks
    jwil
    Positive vibes from me too
    "If you can dream it, you can do it". Walt Disney
    • brizzlegirl
    • By brizzlegirl 18th Sep 18, 8:56 PM
    • 401 Posts
    • 2,658 Thanks
    brizzlegirl
    Thanks all!!! It worked!!!! She starts Monday
    MFW..aiming to pay it off in 2022.. 2018 Savings Rate - Goal 40% [29%May 25%June 15%July 32% Sept & Oct] 2018 Income Goal £100/£750 November Goals: AFDs 11/25; Decluttering 02/60; LSDs 04/10; NSDs 01/10 Exercise 01/15 12k steps per day pls Aiming to be a true Frugalista!
    • beanielou
    • By beanielou 18th Sep 18, 9:04 PM
    • 57,975 Posts
    • 238,518 Thanks
    beanielou
    Hurrah
    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. MFW 2018. No 144
    • Seasidegal58
    • By Seasidegal58 18th Sep 18, 9:45 PM
    • 2,238 Posts
    • 13,858 Thanks
    Seasidegal58
    Oh well done DD!
    Finally Debt Free! - July 2016
    Finished Emergency Fund- £10,000 April 2017

    Next Scrimpy Goal - Ad Hoc Savings - 07/11/2018 - £1771.05
    MONTHS TO RETIREMENT: 30
    My diary: “Paid off the £31,0000! BUT- still scrimping!”
    • brizzlegirl
    • By brizzlegirl 18th Sep 18, 10:17 PM
    • 401 Posts
    • 2,658 Thanks
    brizzlegirl
    Bless you all. Thank you

    Have a good Wednesday x
    MFW..aiming to pay it off in 2022.. 2018 Savings Rate - Goal 40% [29%May 25%June 15%July 32% Sept & Oct] 2018 Income Goal £100/£750 November Goals: AFDs 11/25; Decluttering 02/60; LSDs 04/10; NSDs 01/10 Exercise 01/15 12k steps per day pls Aiming to be a true Frugalista!
    • brizzlegirl
    • By brizzlegirl 19th Sep 18, 7:25 AM
    • 401 Posts
    • 2,658 Thanks
    brizzlegirl
    And following up on weekly email we (OH!! ) saved us 50% on our phone and internet bill by moving from BT to PlusNet. Yes we lose the TV package but as we only watch films we can get that through A*azon, G9ogle etc. Not a bad start to his day.. all sorted by 7am he says (I was already on my way to work )

    And.. changes afoot for me too. Need to get my head round it, but lots of advantages

    Hope everyone is good x
    MFW..aiming to pay it off in 2022.. 2018 Savings Rate - Goal 40% [29%May 25%June 15%July 32% Sept & Oct] 2018 Income Goal £100/£750 November Goals: AFDs 11/25; Decluttering 02/60; LSDs 04/10; NSDs 01/10 Exercise 01/15 12k steps per day pls Aiming to be a true Frugalista!
    • brizzlegirl
    • By brizzlegirl 19th Sep 18, 7:29 AM
    • 401 Posts
    • 2,658 Thanks
    brizzlegirl
    PS read the FIRE article too. Nice story. Not sure I will be truly FIRE for years.. but definitely still planning to be very choosey with work at 55... Not that I don’t love my roles now but I would like more time off in the year. But for now need to clear the debts for the car and then build up savings rates
    MFW..aiming to pay it off in 2022.. 2018 Savings Rate - Goal 40% [29%May 25%June 15%July 32% Sept & Oct] 2018 Income Goal £100/£750 November Goals: AFDs 11/25; Decluttering 02/60; LSDs 04/10; NSDs 01/10 Exercise 01/15 12k steps per day pls Aiming to be a true Frugalista!
    • greent
    • By greent 19th Sep 18, 8:16 AM
    • 7,510 Posts
    • 76,227 Thanks
    greent
    Whoop! Well done to DD!
    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) £7127.06/£7500
    Net sales 2018 £718.06/£1000 PAYDOX18 (#15) Done £18918.90
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