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Hypno's "there's more to life than debt" diary.....

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  • hypno06
    hypno06 Posts: 32,296 Forumite
    10,000 Posts Combo Breaker
    savingholmes, you did loads! And don't you dare think otherwise!

    Today I will be taking the kids skiing this morning, and while they are training, I am hoping to go for a run with P. Then when I get back I need to bake some bits for the Christening that we are going to this afternoon.

    So not much time for decluttering or MSE'ing......but I have done my daily clicks already, and will fill another charity bag this evening to do my decluttering target of 25 things, and that will just about have to do.

    Hope you all have a good day!
    Successful women can still have their feet on the ground. They just wear better shoes. (Maud Van de Venne)
    Life begins at the end of your comfort zone (Neale Donald Walsch)
  • doodledo_2
    doodledo_2 Posts: 4,676 Forumite
    Morning Hypno.

    Good luck with the run and baking. Hope its not cakes lol

    Enjoy the christening and catch up with your later.
    Proud to be dealing with my debts - DFW No: 712

    03/09/09 - DEBT FREE AT LAST :D
    Racing Hypno to Save - £10/£5000
  • benbenandme
    benbenandme Posts: 12,350 Forumite
    Part of the Furniture 10,000 Posts Combo Breaker Photogenic
    Hypno, can I ask which version of weightwatchers you are doing? I'm thinking about going back, its worked for me before (but then I am naughty all over again :o ), I looked online and the monthly pass seems a good way to go, I like the idea of just doing it all online but I think I need to know I have to be weighed by someone else to keep me on track ;):D
    Mortgage Total: £51,549 / £75,000
    Mortgage Overpayments Pot £1079
  • Karmacat
    Karmacat Posts: 39,460 Forumite
    Part of the Furniture 10,000 Posts Name Dropper
    Baking, yay! I'm off to a little 2 hour workshop on crochet, plus I need to practise cleaning my shiny new freecycle pasta maker, and then ..... make some pasta!

    Enjoy the day, Hypno, thats a nice one - "chat" with P, plus the christening do, v civilised!
    2023: the year I get to buy a car
  • hypno06
    hypno06 Posts: 32,296 Forumite
    10,000 Posts Combo Breaker
    benben, I have got the monthly pass, and I go along to be weighed - I need the discipline of getting on the scales with someone marking off my weight week by week.......doing it online makes it easy for me to make excuses to myself :o:o I don't stay for the "class" - I KNOW what I need to do, I just need to be pushed into sticking to it!

    Just been for a run round the lake with P - boy was it tough!! But we managed it without stopping, again, and managed to overtake people who were walking, which proves we are going faster than walking pace!!
    Successful women can still have their feet on the ground. They just wear better shoes. (Maud Van de Venne)
    Life begins at the end of your comfort zone (Neale Donald Walsch)
  • benbenandme
    benbenandme Posts: 12,350 Forumite
    Part of the Furniture 10,000 Posts Combo Breaker Photogenic
    Thanks Hypno, yep I think thats the one I'll go for, I have just been to tesco and spent far too much :o:o but it is all healthy stuff and loads of fresh veg ;) My nearest meeting is walking distance but its only on a tuesday lunchtime so no good for those of us at work :mad: The next nearest one is a couple of miles away and is at 6:30pm, so will go for that one but will drive it so I can get ds back home and into bed for 7ish ;) Okay, here goes then :D
    Mortgage Total: £51,549 / £75,000
    Mortgage Overpayments Pot £1079
  • benbenandme
    benbenandme Posts: 12,350 Forumite
    Part of the Furniture 10,000 Posts Combo Breaker Photogenic
    did you go through quidco?
    Mortgage Total: £51,549 / £75,000
    Mortgage Overpayments Pot £1079
  • hypno06
    hypno06 Posts: 32,296 Forumite
    10,000 Posts Combo Breaker
    I did go through quidco, but it says that the cashback is for online members whereas the monthly pass is for meetings as well. I worked on the basis that I would go through quidco anyway, and if it tracks then all well and good, but I don't expect it to. I signed up on Wednesday and there is no sign of it yet. I might be cheeky and put in an enquiry in a few days, and see!

    I go to a lunchtime class - designed for us workers who can nip in and out in their lunchbreak - very practical!!
    Successful women can still have their feet on the ground. They just wear better shoes. (Maud Van de Venne)
    Life begins at the end of your comfort zone (Neale Donald Walsch)
  • benbenandme
    benbenandme Posts: 12,350 Forumite
    Part of the Furniture 10,000 Posts Combo Breaker Photogenic
    When I worked in London I used to go to one in my lunchhour at Oxford Circus, but now I only get 40 minutes lunch and there wouldn't be time to get there, get it done and get back and eat some delicious lunch like melba toast :rotfl: :rolleyes:
    Mortgage Total: £51,549 / £75,000
    Mortgage Overpayments Pot £1079
  • savingholmes
    savingholmes Posts: 28,979 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Hi everyone - thanks for the kind words Hypno. I've written a whole 3 dooyoo reviews and rated a few others... I've also made some more craft bits for Xmas. Decluttering, and washing sorting and ironing still remains to be done tho... Not been invited to any surveys today...
    Achieve FIRE/Mortgage Neutrality in 2030
    1) MFW Nov 21 £202K now £174.8K Equity 32.77%
    2) £1.6K Net savings after CCs 14/8/25
    3) Mortgage neutral by 06/30 (AVC £25.3K + Lump Sums DB £4.6K + (25% of SIPP 1.2K) = 31.1/£127.5K target 24.4% 15/8/25
    4) FI Age 60 income target £16.5/30K 55.1%
    5) SIPP £4.8K updated 29/7/25
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