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Jwil's sorting the debt, the body, the house, the garden and everything else diary!

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  • jwil
    jwil Posts: 22,009 Forumite
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    I finally got some new batteries for my scales yesterday :(. I knew I'd put on weight, but I am about 1st heavier than I thought I was :eek::eek: It's ridiculous. I'm so overweight, but am so not in the frame of mind to do anything about it. I'm going to have to do something though, I cannot stay like this.

    I'm going to try and make some small changes in the hope that collectively they will lead to big changes, but without me noticing too much.

    I started by having breakfast at home this morning. WM toast and yoghurt. Then some grapes when I got into work. I need to sort out my snacking though - that is the worst thing. I need to do it frugally though, so will have to get organised.
    "Good financial planning is about not spending money on things that add no value to your life in order to have more money for the things that do". Eoin McGee
  • DedicatedDFW
    DedicatedDFW Posts: 4,234 Forumite
    Hi Jwil

    Woo! :T:T:T To selling all of those books - that is fab - clearing space and making money :D

    I too am struggling with my weight - maybe we could encourage each other?

    I am trying to make the small change of having breakfast at home everyday - something to get my metabolism going - I do not eat breakfast very often so once I have got this as part of a habit I will move onto the next thing. I am also thinking more about what I eat and when. I do very much enjoy eating healthy food - but it is just so expensive having a filling salad whereas having a sandwich which is just as filling is just pennies hmm :cool:

    Enjoy reading the books - I have no time for reading now apart from my study stuff x
    CC1:T £[STRIKE]2531[/STRIKE] £1460
    MORTGAGE OVERPAYMENTS: £10575.20 Target £12,100
    MF Date: [STRIKE]August 2042[/STRIKE] May 2035
    Declutter 1000 things by Xmas 2015! 53/1000
  • jwil
    jwil Posts: 22,009 Forumite
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    Thanks DDFW, unfortunately they've cleared space in the garage rather than the house, but it all counts anyway!

    Support in the weight thing would be great. I think the small changes should be a good way of getting started off, and hopefully big things will happen eventually. We can do it!

    Lunches are my big problem too, and I do find it more expensive to eat healthily.
    "Good financial planning is about not spending money on things that add no value to your life in order to have more money for the things that do". Eoin McGee
  • jwil
    jwil Posts: 22,009 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    edited 29 March 2011 at 6:54PM
    My CC payment has come out today, but for some reason, I've lost online access, so am going to have to wait for my statement to find out my new balance. It also means I cannot overpay at the moment to this card, so I am REALLY annoyed. I'll have to get onto them to find out what the problem is.
    "Good financial planning is about not spending money on things that add no value to your life in order to have more money for the things that do". Eoin McGee
  • jwil
    jwil Posts: 22,009 Forumite
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    :eek: Eeek, what have I done :eek: I called my CC earlier to see about the access, and they reset my access. Tried to get in again but couldn't so the lady asked for my log in details so they could see the error message that was coming up. I gave them to her thinking I could change them as soon as they got me access, but they can't and I'm waiting for the tech department to get back to me.

    I know that most people are trustworthy, but I'm just having visions of her happily shopping away on my CC now. Luckily there's not a huge capacity on there, but anyway :eek::eek::eek:

    The only reason I gave them is because I had called them not the other way round, but I can't believe I've done it. I feel really stupid.

    Am I overreacting? If they don't call me back tonight, I think I might get a stop put on the card until I get access again. Not sure what to do.
    "Good financial planning is about not spending money on things that add no value to your life in order to have more money for the things that do". Eoin McGee
  • jwil
    jwil Posts: 22,009 Forumite
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    Well a huge relief this morning, I have access to my CC again. I have promptly changed all passwords and security so all is well again. Phew!

    Paid off £445 towards debts this morning, so happy with that and it's payday tomorrow. Cannot wait!

    Sold 3 items on ebay last night so that is £10.97 to the total, and I sold £8.97 worth on Sunday night which I can't remember if I've recorded yet, so will check that one.

    I have a missing item though which was sent on 7th March, so will probably have to refund that this week which is rather annoying.
    "Good financial planning is about not spending money on things that add no value to your life in order to have more money for the things that do". Eoin McGee
  • jwil
    jwil Posts: 22,009 Forumite
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    £150 of the payment this morning was to MBNA which clears my card, hurrah!:j After next month's interest is added and paid, that will be closed and gone forever. So satisfying! :T
    "Good financial planning is about not spending money on things that add no value to your life in order to have more money for the things that do". Eoin McGee
  • DedicatedDFW
    DedicatedDFW Posts: 4,234 Forumite
    Hiya Jwil :D

    Phew! about the card indeed! Sounds exactly like the kind of thing i would do and then not be able to sleep due to fretting over it:rotfl::rotfl::rotfl:

    But Woo! :j:j:j To paying all that money off before payday :T:T:T well done hon! Can't wait until we pool ideas for our mini april challenge :rotfl::rotfl::rotfl:

    A card paid off is exactly what I am aiming for - so pleased you have achieved this today x
    CC1:T £[STRIKE]2531[/STRIKE] £1460
    MORTGAGE OVERPAYMENTS: £10575.20 Target £12,100
    MF Date: [STRIKE]August 2042[/STRIKE] May 2035
    Declutter 1000 things by Xmas 2015! 53/1000
  • jwil
    jwil Posts: 22,009 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Thanks DDFW, it's only paid off though because DH's mortgage contribution arrived in my account before payday :o I couldn't wait!

    I will be so glad to see the back of this one, it's been my nightmare. It will also be £9500 off my 'available credit' :j
    "Good financial planning is about not spending money on things that add no value to your life in order to have more money for the things that do". Eoin McGee
  • jwil
    jwil Posts: 22,009 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    [STRIKE]A. Kate Atkinson - One Good Turn[/STRIKE]
    B. Harry Bowling - That Summer in Eagle Street
    C. Justin Cartwright - The Promise of Happiness
    D. Will Davenport - The Painter
    E. Charles Elton - Mr Toppit
    F. Fannie Flagg - Fried Green Tomatoes at the Whistlestop Cafe
    G. George Gissing - The Odd Women
    H. Joanne Harris - Holy Fools
    I. Kazuo Ishiguro - A Pale View of Hills
    [STRIKE] J. Erica James - The Holiday[/STRIKE]
    K. Jonathan Kellerman - The Murder Book
    L. Carlo Levi - Christ Stopped at Eboli
    M. Sandar Marai - Embers
    N. Audrey Niffenegger - Her Fearful Symmetry
    O. Denis O'Connor - Paw Tracks in the Moonlight
    P. David Pownall - The White Cutter
    Q. Raymond Queneau - Exercises in Style
    R. Phillip Roth - The Human Stain
    S. Marcus Sedgwick - The Book of Dead Days
    T. Sue Townsend - Number 10
    U. Alison Uttley - The Country Child
    V. Kurt Vonnegut - Breakfast of Champions
    W. Jeanette Winterson - Sexing the Cherry
    X. TBC
    Y. Marguerite Yourcenar - Memoirs of Hadrian
    [STRIKE]Z. Stefan Zweig - Amok and Other Stories[/STRIKE].
    "Good financial planning is about not spending money on things that add no value to your life in order to have more money for the things that do". Eoin McGee
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