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  • FIRST POST
    • brizzlegirl
    • By brizzlegirl 16th Mar 18, 1:57 PM
    • 448Posts
    • 2,989Thanks
    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 9
    • brizzlegirl
    • By brizzlegirl 10th Apr 18, 7:00 PM
    • 448 Posts
    • 2,989 Thanks
    brizzlegirl
    In a holding position Beanie. Garage getting back to me but they know I am well hacked off. Hopefully they will get the manufacturer to see sense- but dealer needs to be proactive otherwise they will not be getting my custom ongoing and I will probably slam the door on my way out! We will see. Should know more tomorrow.

    Going to a class in a minuet. Should be good for my anger issues
    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 Apr 18, 7:01 PM
    • 448 Posts
    • 2,989 Thanks
    brizzlegirl
    And that would be a typo and should read as minute. Rather than a sedate French dance!! well made me chuckle anyhow!
    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!
    • beanielou
    • By beanielou 10th Apr 18, 7:35 PM
    • 58,913 Posts
    • 244,586 Thanks
    beanielou
    And that would be a typo and should read as minute. Rather than a sedate French dance!! well made me chuckle anyhow!
    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. ***Be the difference.***
    • Seasidegal58
    • By Seasidegal58 10th Apr 18, 7:35 PM
    • 2,365 Posts
    • 14,657 Thanks
    Seasidegal58
    I thought I'd posted on here the other day brizzle but it's not here!

    Sorry to hear about the problems with the garage - I dont drive but cars always seem to be absolute money pits!

    But very pleased to hear about your new "girls!" Hopefully you've had some eggs!

    Go easy with dancing the minuet tonight!
    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!”
    • beanielou
    • By beanielou 10th Apr 18, 7:36 PM
    • 58,913 Posts
    • 244,586 Thanks
    beanielou
    If any consolation I am having anger issues today too
    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 Apr 18, 10:26 PM
    • 448 Posts
    • 2,989 Thanks
    brizzlegirl
    Sorry to hear that Lou - but with you in spirit. It was good to do some exercise and banish some of the blues and very briefly caught up with a friend too at said class.

    I guess its why one should always have travel options! I should know more tomorrow.

    Hope youre well SSG. No eggs yet but think they are settling in well and are very chatty which I like. Hard to get up for work this morning after some time off last week but thought of you as I sat with flask and breakfast on the commuter train
    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!
    • pennywisepoundstupid
    • By pennywisepoundstupid 11th Apr 18, 7:16 AM
    • 4,915 Posts
    • 17,191 Thanks
    pennywisepoundstupid
    Sorry to hear about car troubles, but good to hear your chooks are settling nicely, fingers crossed for fresh yummy eggs very soon. xx
    Be mindful of your self-talk. It's a conversation with the Universe."
    Debt free and saving for my future
    • greent
    • By greent 11th Apr 18, 9:57 AM
    • 7,606 Posts
    • 77,519 Thanks
    greent
    Sorry to hear of car troubles - we're having some further ones here, too

    Hopefully the dealer will see sense for you..
    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
    • jwil
    • By jwil 11th Apr 18, 2:36 PM
    • 9,364 Posts
    • 30,281 Thanks
    jwil
    Hope you get some results on the car today.
    "If you can dream it, you can do it". Walt Disney
    • Seasidegal58
    • By Seasidegal58 11th Apr 18, 8:52 PM
    • 2,365 Posts
    • 14,657 Thanks
    Seasidegal58
    Sorry to hear that Lou - but with you in spirit. It was good to do some exercise and banish some of the blues and very briefly caught up with a friend too at said class.

    I guess its why one should always have travel options! I should know more tomorrow.

    Hope youre well SSG. No eggs yet but think they are settling in well and are very chatty which I like. Hard to get up for work this morning after some time off last week but thought of you as I sat with flask and breakfast on the commuter train
    Originally posted by brizzlegirl
    Thanks brizzle - I'm finding it harder and harder to get up for work even though the mornings are getting lighter!. Hope you enjoyed your commute breakfast and work went well today.

    The chatty chooks sound great!
    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 11th Apr 18, 8:53 PM
    • 448 Posts
    • 2,989 Thanks
    brizzlegirl
    Thanks lovely ladies.. no news. Awaiting feedback from manufacturer... just feel a bit sick about it all. But anyway life could be worse. At least no one is ill

    Going to binge watch some TV in disgust and maybe eat some mini eggs... oh actually its technically eat some MORE mini eggs
    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!
    • Seasidegal58
    • By Seasidegal58 11th Apr 18, 9:01 PM
    • 2,365 Posts
    • 14,657 Thanks
    Seasidegal58
    Mini eggs is good in lieu of the real life chooks eggs!

    Hope the car manufacturer reverts soon.

    Enjoy your TV binge. I'm off to do that myself soon!
    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!”
    • beanielou
    • By beanielou 11th Apr 18, 9:02 PM
    • 58,913 Posts
    • 244,586 Thanks
    beanielou
    You get orange smartie mini eggs you know
    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 13th Apr 18, 9:47 AM
    • 448 Posts
    • 2,989 Thanks
    brizzlegirl
    sound delish

    Thanks for popping by all. Much appreciated. Wellll....its been a spendy few days...I think I would describe it as a step forward, two steps back and a shimmy to the side...

    The shimmy to the side is the money transfer I took to pay off the OD. OH and I decided that it was worth the £76 to arrange it and its 0% for a year so that we can pay off. It will help enormously (psychologically wise) to have a current account that is not in the red, we just need to keep it that way. So that shimmy was planned..

    The two steps back were vehicles. A large repair bill for the van, which was expected but was still a lot. I took a money transfer for that too. So that CC needs paying off rapido. But it was impossible to pay any other way (I will be frank it was over £2k) and so a money transfer seemed best rather than paying on a CC and paying interest. Then to cap it all...the car has had a major fault. After some pretty cross words and a few days the manufacturer has coughed up and the dealer has got proactive so the bill was reduced by 90%...and again folks this was not small change..way in excess of the figures above....its nuts. You can see how people get into massive financial trouble with trying to keep cars on the road. And this car is less than 4 years old. Incandescent is not the half of it..anyway. We should get it back today and the bill is now of a size we can pay from the emergency fund.

    So...thats the two steps back (am I stretching this analogy too far? ) now for the BIG step forward. The penultimate holiday card has been CLEARED! Whoop. Just one to go from the big trip over Xmas and the sneaky ski trip in Feb. Way to go Brizzle and family The last one should go by mid May. Cant wait and we have put a lot into pensions and the ISA this month too, so not too shabby.

    May onwards will be topping up EF etc and paying off this money transfer. Slated to do all that by the Autumn and must find a way of sorting out a car too. Decisions. I will keep you posted

    OH was in charge of meal planning this week and didnt do it.. we lived off leftovers from fridge and freezer though which was cheap. But not very organised. So I am doing it for next week. Hes been relegated Roast chicken and mash for this evening I think. I am not working so fancy a nice tea, especially as its such a bleak day. I may also try to do a class to make good use of my time off.

    Decluttering rates are poor, AFDs are picking up, LSDs are OK, but NSDs are non existent.

    Hope everyone is good. Thanks for reading and commenting

    X
    Last edited by brizzlegirl; 13-04-2018 at 9:54 AM.
    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!
    • Seasidegal58
    • By Seasidegal58 13th Apr 18, 1:17 PM
    • 2,365 Posts
    • 14,657 Thanks
    Seasidegal58
    Well done on clearing the CC and topping up the ISAs and pensions! A nice bank account in the black isn't to be sniffed at either!

    I can totally see why you were so livid with the car bill! A reduction of 90% from the original ! How many people out there would have swallowed the first bill and got themselves into even more financial hot water.

    Go 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!”
    • mfmaybe
    • By mfmaybe 13th Apr 18, 1:31 PM
    • 1,158 Posts
    • 3,770 Thanks
    mfmaybe
    Oh no, the car woes are so stressful. But you've got a plan - that always helps. Having a current account in the black was the game changer for me, I have to say.
    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
    • beanielou
    • By beanielou 13th Apr 18, 8:28 PM
    • 58,913 Posts
    • 244,586 Thanks
    beanielou
    Eeek to the cars.
    At least you have a plan.
    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. ***Be the difference.***
    • jwil
    • By jwil 14th Apr 18, 8:48 AM
    • 9,364 Posts
    • 30,281 Thanks
    jwil
    Eeek to the huge bills

    I must say, not having an overdraft is a huge relief to me, moreso than other debts. I suppose it's knowing that every penny (even if there's only a few) in the bank is mine, even if it's going to pay bills or debts.
    "If you can dream it, you can do it". Walt Disney
    • Sun Addict
    • By Sun Addict 15th Apr 18, 3:26 PM
    • 6,422 Posts
    • 44,817 Thanks
    Sun Addict
    Always good to have a bank balance in the black Glad you got the car bill sorted, that's one thing I don't miss now that we don't have transport. I've also taken a step back this week and now have cc debt again but like you I have a plan to clear it.
    Virtual Sealed Pot 2010 £21.63
    Debt £1880
    Weight loss 0/6LBS
    Emergency Fund £4000/£10,000
    • greent
    • By greent 15th Apr 18, 3:31 PM
    • 7,606 Posts
    • 77,519 Thanks
    greent
    Grrr to car bills - but yeay! to plans to pay debts off!
    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
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