Pay off mortgage and start having fun!

newgirly

Pay day yesterday :j did the money shuffle, although we are IO And i don't know what it will be from January onwards as I think they recalculatate it once a year, ive held £200 back from the manual payment although it's only about £110 pm. I think.

So January's £2820 will be paid by the 28th in full :T update figures to come at end of the month.

I still have £25 left of food budget (£300) no idea how I managed that! And the surplus created by using Xmas money and not the cc (except we bought home stuff and petrol ) was £286, whch I rounded up to £300 and bought premium bonds with last night.

Not a bad first month financially, weight loss wise terrible had a bad week (friends leaving do involved lots of booze and a stack of onion rings :eek:) the battery has gone on the Fitbit, I've eaten too much and had a few drinks and am back where I started.

I've always said I can do money saving or dieting but struggle doing both. I need a someone to give me a proper telling off! Dhs idea of help is "I'm off to the shops do you fancy some chocolate" - I didn't say no but really!!

Yet another power cut last night,, this time they played monopoly.

AlexLK

Mortgage news is excellent.

Weight loss wise you need to not give into temptation. As for the fitbit, if you've got an iphone you can track steps in the health app (that's how I record for MSE).

newgirly

I know Alex, that's the hard bit sometimes I will stick with the Fitbit when I get a new battery as it's easier at work than the iPhone.

Good day diet wise yesterday and no alocohol, helped by being out at the cinema last night to see "split" which we have been looking forward to for months , I loved it!

I've had a letter from the council and I guess unsurprisingly we are on a waiting list for a garage, which suits better if it's a two year list, but not if it's a twenty year wait, worth a try either way I guess.

Food budget less than £1 left now after an ald* shop last night, i need to be organsied to get through until the 31st to stay on budget.

themadvix

If it's too hard to focus on both mortgage and weight loss, with the mortgage so close to being sorted, perhaps just try to maintain things weight-wise for this year - then you can give it full focus next year when mortgage is gone?! It'll be easy when you can transfer all of that budgeting focus over to weight loss!

AlexLK

Can't really see how anything can be easier to use than the app on the 'phone, to be honest!

Do you not have a garage?

newgirly

Hi the madvix, I could do I guess but I want to do it now, I just need to try harder

I'm usually rushing about Alex and am in scruffy clothes with no pockets so a Fitbit is easier as it clips to your bra strap

I said goodbye to my friend today, she flying back to Thailand after trying to make a life here with her ds (she's from here) so sad to see them go but hope it works out for her, we bought her an engraved friendship bracelet with our 3 names on it so she doesn't forget us

AlexLK

I hadn't really considered you may wear clothes without pockets, nor the versatility of a bra. :rotfl: Though this is probably the reason a lot of the ladies on here don't seem interested in my suggestion of using their 'phone rather than buying a Fitbit. I'll not mention using an app rather than buying new gadgets in the future.

Going to Thailand seems a bit extreme, though I suppose she probably has connections etc. out there as you mentioned going back.

newgirly

Alex a bra and a fit bit is much easier, you should try it :rotfl:

Friend went travelling at 18 and settled in Thailand at 20 so has been there for ages as she's 41 like me. I've never been to visit as with kids and no money it wasn't an option, I may go in a few years if I can get the courage up to fly that far :eek:

Couldn't sleep last night, still awake at 2 then dh went to work at 6 and let the cat in our room, she is Siamese and screams until she gets what she wants , sometimes food, usually just attention!

greent

I think females often wear clothes with no pockets - unless I'm wearing jeans I don't tend to have pockets in my clothes - all of my smart (whether work or 'going out' type) trousers are pocket-less (or just have a tiny pocket not big enough for a phone - and it also tends to be on the bum - so a phone (if it did fit) would look weird! ), my gym kit just has a tiny zipped pocket for a key. Skirts and dresses don't tend have pockets (mine don't, anyway!)

AlexLK

NG: Will give that a miss, I think. :rotfl:

Sometimes I wish I'd spent a few years travelling after my undergrad / first MA. Life would have probably worked out very differently to how it has done.

You're not the only one who had hardly any sleep last night.

Greent: I suppose that goes someway to explaining the obsession with handbags amongst the female population.