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  • FIRST POST
    • AlexLK
    • By AlexLK 30th Dec 17, 5:01 PM
    • 5,918Posts
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    AlexLK
    Renovations and Repayments II: New Year, New Start, New Diary.
    • #1
    • 30th Dec 17, 5:01 PM
    Renovations and Repayments II: New Year, New Start, New Diary. 30th Dec 17 at 5:01 PM
    2018 is almost upon us and is set to be the year I get my finances in order.

    So, what's changed since the start, middle, end of my last diary?
    - Regular income is up
    - Gained some knowledge of how to use a spreadsheet to budget
    - In a much better position to make steps towards positive change
    - My wife and I are working as a team
    - Unless anything drastically changes our son is staying at the local school

    What do I want to achieve?
    - Regular and realistic amounts to savings each month
    - Make the mortgage payment up to £1,000 each month
    - Get a better rate on our mortgage
    - Get rid of a lot of things we don't need ... OK that's business as usual
    - Finish the house and consider our options (staying in current house or using the equity to move somewhere new - not to my childhood home and if I mention this, please feel free to point me to this starting post)
    - Monthly targets for both financial and personal goals
    Saved £11,000 in 2015, £9,800 in 2016.
    From a £32,000 debt on 2/9/2013 to debt free on 12/1/2015.
Page 3
    • AlexLK
    • By AlexLK 6th Jan 18, 8:23 PM
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    • 30,995 Thanks
    AlexLK
    Thanks Debs. I think you're right re. bedtimes. Need to start making the weeknight habits into weekend ones also.

    Thank you Gally.

    January Life Aims:
    11pm bedtime
    5 meat free days Aiming for 2 this coming week.
    3 new recipes Need to plan meals for the coming week, so will have a look at this. Any suggestions?
    Keep alcohol to special occasions only Only one potential drinking day this month.
    10,000 steps per day Achieved today.

    January Financial Aims:
    £925 to savings from surplus income.
    Total payment of £1,000 to mortgage.
    Get a better rate on mortgage.

    January Work Aims:
    Everyday presents an opportunity to learn something new - take notes.
    Keep my computer organised.
    Keep the ball rolling (project).
    Saved £11,000 in 2015, £9,800 in 2016.
    From a £32,000 debt on 2/9/2013 to debt free on 12/1/2015.
    • newgirly
    • By newgirly 7th Jan 18, 9:17 AM
    • 5,998 Posts
    • 41,428 Thanks
    newgirly
    Good luck for January
    MFW 21
    Target for 2018 £40k/£0 paid so far

    Mortgage £47,000 4yrs 5 mths left. Total owed £61,942 planning to clear in 17 months
    Weight loss target 2018- 21lb /2.5 lost
    • AlexLK
    • By AlexLK 7th Jan 18, 5:55 PM
    • 5,918 Posts
    • 30,995 Thanks
    AlexLK
    Thank you, NG.

    Weather has been particularly cold today and we've not done a lot. Achieved 10,000 steps but won't be going out again.

    As mentioned before, I often take my father to medical appointments as I don't feel the need to ask questions and give my opinion on his health to medical professionals. Anyhow, today my father announces he no longer wishes for me to take him to the appointments as I don't find out what's happening and sit in the waiting room. According to my mother, father's health will improve as she will be "scrutinising their practice". Probably not amusing to most but the extent of her knowledge on medical matters probably amounts to dealing with a paper cut.

    Had a terrible night's sleep, so hoping 11pm will roll around this evening and I'll be straight to sleep. Still not planned the meals, this is to do before bed.
    Saved £11,000 in 2015, £9,800 in 2016.
    From a £32,000 debt on 2/9/2013 to debt free on 12/1/2015.
    • kelpie35
    • By kelpie35 7th Jan 18, 8:37 PM
    • 1,544 Posts
    • 4,976 Thanks
    kelpie35
    I hope you have a restful sleep tonight Alex ready for a great week ahead.

    Take care
    • AlexLK
    • By AlexLK 7th Jan 18, 9:23 PM
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    • 30,995 Thanks
    AlexLK
    Thanks, Kelpie. First full week at work for me, should be good. Managed to have a last evening of overindulgence. Now feeling a little bit sick. Looking forward to getting back to the healthier eating and hopefully getting a boost in energy.

    Over this next week I think we will work out what our treats for the year are going to be. Looking forward to getting back to saving some money, also.
    Saved £11,000 in 2015, £9,800 in 2016.
    From a £32,000 debt on 2/9/2013 to debt free on 12/1/2015.
    • Suffolk lass
    • By Suffolk lass 7th Jan 18, 9:44 PM
    • 1,641 Posts
    • 18,468 Thanks
    Suffolk lass
    Ooh I know that feeling slightly sick thing. I am in the study to stop me snacking (chocolate) tree decorations in the nut bowl
    MFiT T4 #2 update 42.67% after Q7 £5,465 behind where I should be
    Save £12k in 2018 #53 - my annual target is £10,000
    OS Grocery Challenge 2018 budget of £3,500 including stores
    My DFD is http://forums.moneysavingexpert.com/showthread.php?t=5593594
    • AlexLK
    • By AlexLK 7th Jan 18, 9:59 PM
    • 5,918 Posts
    • 30,995 Thanks
    AlexLK
    Feeling slightly sick has been quite constant over the past few weeks (all self inflicted and no sympathy sought). Mrs. K. doesn't get it, she'll have a bite of each thing on the plate, tell me it was nice and she enjoyed it and leave it there. Can be embarrassing in a restaurant, though.
    Saved £11,000 in 2015, £9,800 in 2016.
    From a £32,000 debt on 2/9/2013 to debt free on 12/1/2015.
    • Karmacat
    • By Karmacat 8th Jan 18, 2:07 PM
    • 28,319 Posts
    • 157,651 Thanks
    Karmacat
    Eating and ending up making yourself feel sick is familiar to me too though I don't do it any more - actually, now I think of it, it stopped when I eliminated refined sugar ...
    Retired August 2016
    • AlexLK
    • By AlexLK 8th Jan 18, 7:50 PM
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    AlexLK
    Good day at work and a healthy, meat free day. Likely consumed very little sugar also. Is refined sugar the white Tate and Lyle type sugar you can buy? Completed 10,000 steps and managed to have a good night's sleep also. All really positive.
    Saved £11,000 in 2015, £9,800 in 2016.
    From a £32,000 debt on 2/9/2013 to debt free on 12/1/2015.
    • Karmacat
    • By Karmacat 9th Jan 18, 11:52 AM
    • 28,319 Posts
    • 157,651 Thanks
    Karmacat
    Good to hear things went well - and yes, Alex, refined sugar is the white stuff you can buy. Not for nothing do health blogs compare that white powder with the other white powder. Any kind of sugar you buy in a bag like that is refined to some extent, but the pure white is the worst. The darker it is, the more micronutrients and whatnot are left in it from the original plant. I think. I wouldn't say that in a court of law!

    Other sugars - I use honey, and dried fruit (maple syrup, but thats too expensive for me). I *will* use refined sugar when I cook, which is blue moon type territory.
    Retired August 2016
    • AlexLK
    • By AlexLK 9th Jan 18, 10:34 PM
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    AlexLK
    Good day had again today. Healthy meals ate, apart from about five biscuits - not sure why I didn't stop after two but at least we did have a long walk this evening. 14,000 steps total today which isn't bad.

    Good to hear things went well - and yes, Alex, refined sugar is the white stuff you can buy.
    Originally posted by Karmacat
    Thanks, Karmacat.

    Not for nothing do health blogs compare that white powder with the other white powder.
    Originally posted by Karmacat
    Think we need clarification on the white powder we're talking about here.

    Any kind of sugar you buy in a bag like that is refined to some extent, but the pure white is the worst. The darker it is, the more micronutrients and whatnot are left in it from the original plant. I think. I wouldn't say that in a court of law!

    Other sugars - I use honey, and dried fruit (maple syrup, but thats too expensive for me). I *will* use refined sugar when I cook, which is blue moon type territory.
    Originally posted by Karmacat
    That makes sense. Have used honey and maple syrup as substitutes but not dried fruit which I could try.
    Saved £11,000 in 2015, £9,800 in 2016.
    From a £32,000 debt on 2/9/2013 to debt free on 12/1/2015.
    • edinburgher
    • By edinburgher 10th Jan 18, 10:13 AM
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    edinburgher
    Think we need clarification on the white powder we're talking about here.
    Originally posted by AlexLK
    One gets the impression that KC was a bit of a wild child in her youth
    • AlexLK
    • By AlexLK 10th Jan 18, 9:42 PM
    • 5,918 Posts
    • 30,995 Thanks
    AlexLK
    Had a busy but enjoyable day today. Son dragged me out of the house after dinner this evening for a long walk so up to 15,000 steps today.

    Managed to have a meat free lunch and another planned for tomorrow. As I'm sure I've mentioned before I'm not sure the amount of meat which seems to be present in a modern diet is particularly good for us, so I'm pleased to have cut it down from December.
    Saved £11,000 in 2015, £9,800 in 2016.
    From a £32,000 debt on 2/9/2013 to debt free on 12/1/2015.
    • edinburgher
    • By edinburgher 10th Jan 18, 10:27 PM
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    edinburgher
    15,000 is very good - I'm just shy of 17,000 - but am jogging again

    I completely agree re. meat. I made the mistake, however, of going on a Zero Waste forum on Reddit to discuss this today and was buttonholed by a militant vegan (it sounds like a Monty Python sketch)!
    • Suffolk lass
    • By Suffolk lass 10th Jan 18, 10:44 PM
    • 1,641 Posts
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    Suffolk lass
    I have to come in on the sugar thing. I was pleased to hear you speak of Tate and Lyle sugar Alex, as it is all refined from pure sugar can, whereas Silver Spoon is made from Sugar Beet (the turnip-looking things that look a bit like old spinach in the fields before they are harvested. I have a strong feeling (not supported by empirical evidence), that our bodies do better metabolising cane sugar in smaller amounts. I really feel there is a difference. I live quite close to the sugar beet factory in Suffolk - it leaves a sickly smell that you can almost taste as you go past
    MFiT T4 #2 update 42.67% after Q7 £5,465 behind where I should be
    Save £12k in 2018 #53 - my annual target is £10,000
    OS Grocery Challenge 2018 budget of £3,500 including stores
    My DFD is http://forums.moneysavingexpert.com/showthread.php?t=5593594
    • AlexLK
    • By AlexLK 10th Jan 18, 10:58 PM
    • 5,918 Posts
    • 30,995 Thanks
    AlexLK
    15,000 is very good - I'm just shy of 17,000 - but am jogging again

    I completely agree re. meat. I made the mistake, however, of going on a Zero Waste forum on Reddit to discuss this today and was buttonholed by a militant vegan (it sounds like a Monty Python sketch)!
    Originally posted by edinburgher
    I seem to have lost all stamina for running. Suppose that's what happens when you don't get any real exercise.

    Re. the militant vegan. Presumably Zero Waste relates to not throwing food away rather than anything to do with veganism?

    I have to come in on the sugar thing. I was pleased to hear you speak of Tate and Lyle sugar Alex, as it is all refined from pure sugar can, whereas Silver Spoon is made from Sugar Beet (the turnip-looking things that look a bit like old spinach in the fields before they are harvested. I have a strong feeling (not supported by empirical evidence), that our bodies do better metabolising cane sugar in smaller amounts. I really feel there is a difference. I live quite close to the sugar beet factory in Suffolk - it leaves a sickly smell that you can almost taste as you go past
    Originally posted by Suffolk lass
    Learn something new everyday, thanks SL.

    I think little sugar was consumed today again and do feel a bit better for it.
    Saved £11,000 in 2015, £9,800 in 2016.
    From a £32,000 debt on 2/9/2013 to debt free on 12/1/2015.
    • Red-Squirrel
    • By Red-Squirrel 10th Jan 18, 11:09 PM
    • 2,135 Posts
    • 5,934 Thanks
    Red-Squirrel
    Had a busy but enjoyable day today. Son dragged me out of the house after dinner this evening for a long walk so up to 15,000 steps today.

    Managed to have a meat free lunch and another planned for tomorrow. As I'm sure I've mentioned before I'm not sure the amount of meat which seems to be present in a modern diet is particularly good for us, so I'm pleased to have cut it down from December.
    Originally posted by AlexLK
    Its not too late to join in with Veganuary Alex, I bet you'd be pleasantly surprised!

    https://veganuary.com/
    • AlexLK
    • By AlexLK 10th Jan 18, 11:30 PM
    • 5,918 Posts
    • 30,995 Thanks
    AlexLK
    Have bookmarked RS, thank you.

    Need to go to bed now.
    Saved £11,000 in 2015, £9,800 in 2016.
    From a £32,000 debt on 2/9/2013 to debt free on 12/1/2015.
    • Red-Squirrel
    • By Red-Squirrel 10th Jan 18, 11:38 PM
    • 2,135 Posts
    • 5,934 Thanks
    Red-Squirrel
    Have bookmarked RS, thank you.

    Need to go to bed now.
    Originally posted by AlexLK
    Me too, had a late finish and always takes me ages to unwind!
    • AlexLK
    • By AlexLK 11th Jan 18, 7:48 PM
    • 5,918 Posts
    • 30,995 Thanks
    AlexLK
    Managed to somehow go to bed and get straight to sleep. Had a good day today and a very enjoyable evening meal. Another meat free day ticked off. Completely failed with steps though with 7,500, one of the lowest counts I've seen on my 'phone.

    Had a look on the veganuary website, RS. Like the look of the one-pot linguine and will try it next week. Thank you. A lot of the meals on there look very easy to prep and cook too.

    Not been spending a lot so far this month. Quite a few NSDs as Mrs. K., son and I are all having the same lunch. Mrs. K. seems to only buy a coffee once per week which is saving money too. Don't mind that as she doesn't tend to have coffee at home anymore.

    Unfortunately nothing financial to report apart from freeing ourselves of December's very large CC bill. I decided to pay it well before the due date because seeing the balance on my 'phone wasn't a pleasant experience (Mrs. K. thinks I'm crazy as the full balance is usually collected by direct debit at the end of the month ). This reminds me I need to update the spreadsheet. The CC is not a debt as such as we don't let it accrue any interest and by buying our everyday goods with it I find it easier to keep track of what we're spending. Before with cash and debit card we found it was easy for the spending to get lost. The bill for the CC comes once per month and we just have to work out what is food, petrol, eating out etc. Lazy but it seems to be working quite well.
    Saved £11,000 in 2015, £9,800 in 2016.
    From a £32,000 debt on 2/9/2013 to debt free on 12/1/2015.
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