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  • FIRST POST
    • brizzlegirl
    • By brizzlegirl 16th Mar 18, 1:57 PM
    • 944Posts
    • 6,347Thanks
    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
    DFW - pay it ALL off in 2020 MFW..aim for Dec 2023 2020 Savings Rate - Goal 40% 2019 Savings Rate - Goal 40% 25% December 66% November 21% August Jan Goals: AFDs 05/25 Decluttering 06/60 LSDs 01/10 NSDs 01/05 Jan Exercise RT xxk xx/15 12k steps per day pls Aiming to be a true Frugalista!
Page 51
    • lucielle
    • By lucielle 13th Jan 20, 8:16 AM
    • 8,267 Posts
    • 35,668 Thanks
    lucielle
    All sounding good.
    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
    • brizzlegirl
    • By brizzlegirl 15th Jan 20, 10:06 PM
    • 944 Posts
    • 6,347 Thanks
    brizzlegirl
    Thanks L

    Paid off huge proportion of one card today, all set to be shot of that within next 4 weeks , as well as pay tax, fund the kids fund and support DD1 at uni. Feeling pretty good today to be honest
    DFW - pay it ALL off in 2020 MFW..aim for Dec 2023 2020 Savings Rate - Goal 40% 2019 Savings Rate - Goal 40% 25% December 66% November 21% August Jan Goals: AFDs 05/25 Decluttering 06/60 LSDs 01/10 NSDs 01/05 Jan Exercise RT xxk xx/15 12k steps per day pls Aiming to be a true Frugalista!
    • beanielou
    • By beanielou 15th Jan 20, 10:17 PM
    • 68,439 Posts
    • 312,656 Thanks
    beanielou
    Thanks L

    Paid off huge proportion of one card today, all set to be shot of that within next 4 weeks , as well as pay tax, fund the kids fund and support DD1 at uni. Feeling pretty good today to be honest
    Originally posted by brizzlegirl



    So you should be
    Lou~ Debt free Wanabe No 55 DF 03/03/14. MFW. 14 months to mortgage freedom.
    **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. ***Be the difference.***
    • PurpleFairy26
    • By PurpleFairy26 16th Jan 20, 5:46 AM
    • 3,045 Posts
    • 20,777 Thanks
    PurpleFairy26
    Thanks L

    Paid off huge proportion of one card today, all set to be shot of that within next 4 weeks , as well as pay tax, fund the kids fund and support DD1 at uni. Feeling pretty good today to be honest
    Originally posted by brizzlegirl
    And so you should, that's fantastic news
    • brizzlegirl
    • By brizzlegirl 16th Jan 20, 6:14 AM
    • 944 Posts
    • 6,347 Thanks
    brizzlegirl
    Thanks

    Couldn’t do this without all your lovely support!!!
    DFW - pay it ALL off in 2020 MFW..aim for Dec 2023 2020 Savings Rate - Goal 40% 2019 Savings Rate - Goal 40% 25% December 66% November 21% August Jan Goals: AFDs 05/25 Decluttering 06/60 LSDs 01/10 NSDs 01/05 Jan Exercise RT xxk xx/15 12k steps per day pls Aiming to be a true Frugalista!
    • Sun Addict
    • By Sun Addict 16th Jan 20, 8:38 AM
    • 8,026 Posts
    • 60,539 Thanks
    Sun Addict
    Brilliant
    Virtual Sealed Pot 2020 43.31
    Emergency Fund 3465/10,000
    • jwil
    • By jwil 17th Jan 20, 6:47 PM
    • 11,517 Posts
    • 42,865 Thanks
    jwil
    You are doing amazingly well. Have a good weekend
    "If you can dream it, you can do it". Walt Disney
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