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  • FIRST POST
    • brizzlegirl
    • By brizzlegirl 16th Mar 18, 1:57 PM
    • 406Posts
    • 2,698Thanks
    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 13/25; Decluttering 07/60; LSDs 05/10; NSDs 01/10 Exercise 02/15 12k steps per day pls Aiming to be a true Frugalista!
Page 23
    • scotdebs
    • By scotdebs 9th Nov 18, 2:19 PM
    • 563 Posts
    • 3,122 Thanks
    scotdebs
    Congrats on the new job Brizzle sounds like lots going on
    CC debt Aug 2018 £50.2K
    CC debt Nov 2018 £48.6K
    • Seasidegal58
    • By Seasidegal58 9th Nov 18, 5:13 PM
    • 2,292 Posts
    • 14,161 Thanks
    Seasidegal58
    Basically at the heart of it is that we both earn good money, but spend too much....so spending less has to be the way to go. I need to be the frugalista it says in my diary title
    :
    Originally posted by brizzlegirl
    I hear you on that brizzle. I have the same problem......
    Finally Debt Free! - July 2016
    Finished Emergency Fund- £10,000 April 2017

    Next Scrimpy Goal - Ad Hoc Savings - 19/11/2018 - £1777.03
    MONTHS TO RETIREMENT: 30
    My diary: “Paid off the £31,0000! BUT- still scrimping!”
    • brizzlegirl
    • By brizzlegirl 10th Nov 18, 12:55 AM
    • 406 Posts
    • 2,698 Thanks
    brizzlegirl
    Thanks Beanie. Yes it just doesn’t feel right for us at the moment.

    Thanks for popping by Debs... glad you’re plugging away at it all...we will all get there one day and we can throw a huge party

    SSG...I have to own this. It’s all about me being weak and loving spending money I haven’t got! Just coming home from a great night in the big smoke. Frugal in that we are heading home and not stopping at a cheap hotel. Long old train ride but worth it, booked via TCB and used a rail card which cost us £30 but saved us £40 in the first usage. Result OH found it, dead glad he did.

    Saving some money this weekend by using vouchers to pay for a meal for PIL and also OH will be starting his extra work. It all helps. I must also do some Christmas planning so that I don’t panic and leave it to the last minute and then throw money at the situation....maybe I will put in a diary reminder so it happens..

    Over and out, have a great weekend all 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 13/25; Decluttering 07/60; LSDs 05/10; NSDs 01/10 Exercise 02/15 12k steps per day pls Aiming to be a true Frugalista!
    • beanielou
    • By beanielou 10th Nov 18, 12:51 PM
    • 58,162 Posts
    • 239,952 Thanks
    beanielou
    Enjoy your weekend xx
    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 12th Nov 18, 1:11 PM
    • 406 Posts
    • 2,698 Thanks
    brizzlegirl
    It was great beanie - thank you. Finally got around to all going out to a musical for PIL's Christmas present (that's last year btw ) and it was lovely. Didn't realise that Trose doesn't do big catering meal deals (unless you advance order) so we did a side step and cooked up 2 yellow stickered organic chickens and we roasted them with mash and salad as sides. Yum and that and a top up shop was only £34 after using my vouchers - result. Also did a class and watched some TV last night. Definitely helped me sleep well although I will pay for it tomorrow as it was hard work. The new routine for work so far is definitely calmer but we shall see...there is more travelling from next week but so far all starting at civilised times.

    And in other news...sent off the company accounts to the new accountant (and remarkably on the date I said I would!!) ...woot!!! Big milestone so that hopefully soon I will get a handle on the likely damage. Am using TCB for various necessary spends so hope I can get another £15 for so next month. Still haven't got my head around Christmas yet...but will get there. Will put a recurring appointment in the diary now...(see above )
    Last edited by brizzlegirl; 12-11-2018 at 1:17 PM.
    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 13/25; Decluttering 07/60; LSDs 05/10; NSDs 01/10 Exercise 02/15 12k steps per day pls Aiming to be a true Frugalista!
    • brizzlegirl
    • By brizzlegirl 12th Nov 18, 4:30 PM
    • 406 Posts
    • 2,698 Thanks
    brizzlegirl
    Hello again..

    I managed to run some reports and so update my signature (over lunch which I don't normally manage, but I did and was very virtuous with my use ups from the fridge). The 32% is not shabby at all..just wish a significant part of it wasn't going to pay down the debt pile, but does show me that we are starting to stay within budget. I do think the Barefoot Investor format is working for us.

    I was just looking at the first post on this diary also and think that we should be aiming for £22,000 by September 2019 and £40,000 in the S&S ISA by September 2022 - so around 4 years from now - this will be despite DD1 needing a contribution for university etc. And.. of course..no bloody car or other debt. Such a curse.

    Off to make dinner for the kids now. Were invited out but have bit the bullet and am cooking, especially as kids are here there and everywhere..it makes sense. What did Mrs ONL's thread call it..mindful lifestyle deflation..like that.

    Have a good evening folks x
    Last edited by brizzlegirl; 12-11-2018 at 4:48 PM.
    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 13/25; Decluttering 07/60; LSDs 05/10; NSDs 01/10 Exercise 02/15 12k steps per day pls Aiming to be a true Frugalista!
    • greent
    • By greent 12th Nov 18, 4:53 PM
    • 7,538 Posts
    • 76,589 Thanks
    greent
    Love the term mindful lifestyle deflation - have never heard of that before - perfect!

    32% - fab stuff - really! :J 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 £724.53/£1000 PAYDOX18 (#15) Done £18918.90
    • beanielou
    • By beanielou 12th Nov 18, 6:25 PM
    • 58,162 Posts
    • 239,952 Thanks
    beanielou
    Good news on the accounts to the accountant
    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 12th Nov 18, 9:50 PM
    • 2,292 Posts
    • 14,161 Thanks
    Seasidegal58
    Well done from me as well on the 32%! Here's to ongoing mindful lifestyle deflation!

    P.S I have subscribed to Barefoot Investor newsletter - sounds very useful.
    Finally Debt Free! - July 2016
    Finished Emergency Fund- £10,000 April 2017

    Next Scrimpy Goal - Ad Hoc Savings - 19/11/2018 - £1777.03
    MONTHS TO RETIREMENT: 30
    My diary: “Paid off the £31,0000! BUT- still scrimping!”
    • brizzlegirl
    • By brizzlegirl 12th Nov 18, 10:43 PM
    • 406 Posts
    • 2,698 Thanks
    brizzlegirl
    Thanks lovely ladies...so good of you to pop by. Having an optimism attack so onwards and upwards
    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 13/25; Decluttering 07/60; LSDs 05/10; NSDs 01/10 Exercise 02/15 12k steps per day pls Aiming to be a true Frugalista!
    • beanielou
    • By beanielou 12th Nov 18, 10:49 PM
    • 58,162 Posts
    • 239,952 Thanks
    beanielou
    Thanks lovely ladies...so good of you to pop by. Having an optimism attack so onwards and upwards
    Originally posted by brizzlegirl


    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
    • jwil
    • By jwil 13th Nov 18, 12:28 PM
    • 9,244 Posts
    • 29,635 Thanks
    jwil
    Well done on the accounts and 32%
    "If you can dream it, you can do it". Walt Disney
    • mfmaybe
    • By mfmaybe 13th Nov 18, 7:42 PM
    • 1,158 Posts
    • 3,766 Thanks
    mfmaybe
    Doing brilliantly as always Brizzle. Hope the new job is going well.
    0% card was £1126.91 / Now £1669.11

    AFD June 8/15 NSD June 5/11

    Other debts paid since 1/1/14: £17,005
    • brizzlegirl
    • By brizzlegirl 17th Nov 18, 9:49 AM
    • 406 Posts
    • 2,698 Thanks
    brizzlegirl
    Thanks all.

    Relieved to have got to Friday. Quite a week. Lots of juggling but did 1.5hrs of cycling to get to meetings and to other stuff yesterday which was hard work but has to be good for me. Pleased about that. And looking at the Friday afternoon traffic was the best call.

    Girls here there and everywhere this weekend. So some lift provision but will try and keep it containable and also pop to the cinema if we can. haven't been for ages so keen to go.

    Have taken the decision to take the ILs and parents out for Xmas lunch....makes it nice and easy for us...there will be plenty of other opportunities during their stay to be sweating in the kitchen and the restaurant that will host us is magic. It’ll be great. We had a meal there in the week with friends and it was lush. I will now cancel the turkey order and start to plan the rest.

    So.plan for the day..

    - declutter 15 items {decluttered 5 - magazines to take to my friend - so recycling really)
    - meal plan for next week
    - make an OP to the holiday CC (done) - my plan of paying off a transaction every day (using YNAB entries as my guide) is working well in bringing down the residual amount so that December is not a big hit. Been doing this since we came back on 4th. Will try and pay a restaurant bill today and maybe another tomorrow rather than the little ones as cash flow is Ok at the moment and I hope I am in the payroll run this month without emergency tax. Fingers crossed
    - make sure DD2 does plenty of homework and revision despite having friends over
    - reconcile YNAB (done)
    - do some housework.badly needed!! (hoovered, laundry, cleaned bathroom - that'll do)

    Have a great weekend all x
    Last edited by brizzlegirl; 17-11-2018 at 7:21 PM.
    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 13/25; Decluttering 07/60; LSDs 05/10; NSDs 01/10 Exercise 02/15 12k steps per day pls Aiming to be a true Frugalista!
    • pennywisepoundstupid
    • By pennywisepoundstupid 17th Nov 18, 12:37 PM
    • 4,915 Posts
    • 17,181 Thanks
    pennywisepoundstupid
    Great to hear things are ticking along nicely.

    Christmas lunch out sounds like a good idea, something I would like to do one year.

    Enjoy your weekend.x
    Be mindful of your self-talk. It's a conversation with the Universe."
    Debt free and saving for my future
    • beanielou
    • By beanielou 17th Nov 18, 6:53 PM
    • 58,162 Posts
    • 239,952 Thanks
    beanielou
    Have a good weekend
    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 17th Nov 18, 7:23 PM
    • 406 Posts
    • 2,698 Thanks
    brizzlegirl
    Thanks PWPS..it'll be the first time I have actually carried this plan out..been tempted but never done it and in fact often we are away at Christmas skiing etc so see them all before, often early December. Not sure it will be the last time tho if it works the restaurant has said canap!s at 2 and lunch at 3...I am looking forward to it already

    Have a great weekend beanie..any plans?
    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 13/25; Decluttering 07/60; LSDs 05/10; NSDs 01/10 Exercise 02/15 12k steps per day pls Aiming to be a true Frugalista!
    • beanielou
    • By beanielou 17th Nov 18, 7:32 PM
    • 58,162 Posts
    • 239,952 Thanks
    beanielou
    Been chanting today

    Gearing up for DS's Masters graduation this coming week!!
    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 17th Nov 18, 8:58 PM
    • 2,292 Posts
    • 14,161 Thanks
    Seasidegal58
    Having Xmas lunch out will be a nice change - as you have posted before, you know the restaurant and that the food will be good. We have done this a couple of times over the years - does make for a less stressful day.
    Finally Debt Free! - July 2016
    Finished Emergency Fund- £10,000 April 2017

    Next Scrimpy Goal - Ad Hoc Savings - 19/11/2018 - £1777.03
    MONTHS TO RETIREMENT: 30
    My diary: “Paid off the £31,0000! BUT- still scrimping!”
    • jwil
    • By jwil 18th Nov 18, 4:40 PM
    • 9,244 Posts
    • 29,635 Thanks
    jwil
    Xmas lunch out sounds great!
    "If you can dream it, you can do it". Walt Disney
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