📨 Have you signed up to the Forum's new Email Digest yet? Get a selection of trending threads sent straight to your inbox daily, weekly or monthly!

Keeping up appearances.......

Options
1330331333335336394

Comments

  • Hi Happy Now

    I hope you don't mind me joining your happy band of followers? Your opening post really struck a chord. DH knows roughly the amount of debt but not how it's tackled. I manage all the financials. Keeping up appearances is more with other people - we are mid 40's and should be in a much better place than we are. I am on page 53 and will carry on reading the whole diary if you don't mind? I am really enjoying it! I am going to borrow 2 things from your early days of that's ok? Recording amount paid as as a percentage and making a pad to my interest bearing debts of anything I have saved!

    Love BB50 XX
  • HappyNow
    HappyNow Posts: 1,558 Forumite
    Part of the Furniture 1,000 Posts I've been Money Tipped! Name Dropper
    So, today's efforts. Much better than the last few days...

    Zero alcohol. Yep, no problem today. And Mr H and I went out for tea (we seem to be doing that a lot recently) and not only did I not crave alcohol, I actually ordered a glass of tap water. Healthy and free!

    Maximum of 1400 calories per day, to include 5 x fruit and veg and just one sweet treat.
    I was at 853 calories when we went out for tea, and I'd already eaten the 5 x F & V. I would have totally succeeded, but I met Mr H straight from work to go and do some jobs for my mum. He was starving (so he said....) so we called at a local pub for a cheap meal. I ordered veggie burger and chips with the firm intention of leaving most of the chips. I did not leave most of the chips :o. Sweet treat was a teeny piece of lemon cake, home made but not by me.

    Six glasses of water per day I think so, I lost count, but probably.

    Daily dog walk at a fast pace No, by the time I'd finished work, been out for tea and sorted my mum's jobs it was dark and Master H had already taken them. Must do this tomorrow.

    No looking at my phone in bed or after 11 pm. Tick.

    No money wasting. Balance YNAB daily. Nothing wasted (including those chips). YNAB balanced.
    LBM Dec 2011. Aimed, but failed, to clear all unsecured debt by Feb 2019. Finally free of unsecured debt 21st May 21!

    Debt Dec 11: Unsecured £69,579 + Mortgage £59,948 = £129,527
    Debt May 21: Unsecured ZERO! ZILCH! Mortgage £22,332
  • Dolphin1
    Dolphin1 Posts: 855 Forumite
    Part of the Furniture 500 Posts
    Elnora32 wrote: »
    Dolphin - I hope your OH is feeling better now.
    HappyNow wrote: »
    I hope OH is fully mended now Dolphin. If not, bung him in the spare room, you need your sleep :D

    OH is all better now, thanks. He did go in the spare room but noise travels in our house and I'm a light sleeper so if he can't sleep then neither can I.
  • Dolphin1
    Dolphin1 Posts: 855 Forumite
    Part of the Furniture 500 Posts
    Hi Happy Now

    I hope you don't mind me joining your happy band of followers? Your opening post really struck a chord. DH knows roughly the amount of debt but not how it's tackled. I manage all the financials. Keeping up appearances is more with other people - we are mid 40's and should be in a much better place than we are. I am on page 53 and will carry on reading the whole diary if you don't mind? I am really enjoying it! I am going to borrow 2 things from your early days of that's ok? Recording amount paid as as a percentage and making a pad to my interest bearing debts of anything I have saved!

    Love BB50 XX

    Welcome BB50! :hello:

    Good luck with the debt busting!
  • Dolphin1
    Dolphin1 Posts: 855 Forumite
    Part of the Furniture 500 Posts
    Yesterday...

    1) Be in bed by 10.00pm and light out by 10.30pm Sunday to Thursday - Pass. I was in bed by 9.40pm and the light went off at 10.20pm.

    2) At least 30 minutes walking during the day - Fail (again). Only managed 10 minutes.

    3) Drink 3 bottles of water a day - Pass. Definitely more than 3 bottles.

    I'm thinking it will have to be the return of the NCDs (No Crap Days) next month, I really eat a load a rubbish.
  • Honey_Bear
    Honey_Bear Posts: 7,486 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Photogenic
    ... slides in quietly, takes a seat at the back hoping no-one notices late arrival, and starts copying homework from next door neighbour :embarrassed smiley: I'll catch up when I've got the energy and time, but I'm off out again in five minutes.

    • Lose more weight, ideally down to 65kgs by 1 September. 65.3kgs, I think, the last time I weighed myself.
    • 15 minutes Flying a day, Monday to Friday; Tick; both bedrooms ready to let in time for this weekend, now I need to deal with the shower room. Later ....
    • Leg stretches immediately after all dog walks. Being done, but not yet this morning. Legs much better.
    • Lights out by 11.30 pm. Total fail last night, but that's because my whole evening was a disaster - at 6.50 pm Mr Bear mentioned a meeting I was taking minutes at, at 7.00 pm - I was in bed, resting. From then on the rest of the evening was a bit frantic. I need to deal with this nonsense. I can't spend my whole life lurching between exhaustion and being frantic. I need to find a way of pacing myself.
    Better is good enough.
  • Dolphin1
    Dolphin1 Posts: 855 Forumite
    Part of the Furniture 500 Posts
    Honey_Bear wrote: »
    ... slides in quietly, takes a seat at the back hoping no-one notices late arrival, and starts copying homework from next door neighbour

    ... (hand raised) "miss, miss, Honey Bear was late again" :p
  • Honey_Bear
    Honey_Bear Posts: 7,486 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Photogenic
    Welcome Balance by 50! :wave:

    After all that digging and gardening you more than earned a couple of meals out, Happy. I do love the reslish with which you celebrate!
    Elnora32 wrote: »
    I'll help you out - there's water in wine ;)
    HappyNow wrote: »
    I ordered veggie burger and chips with the firm intention of leaving most of the chips. I did not leave most of the chips :o. Sweet treat was a teeny piece of lemon cake, home made but not by me.
    <snip>

    Nothing wasted (including those chips). YNAB balanced.

    I love this thread!
    Dolphin1 wrote: »
    ... (hand raised) "miss, miss, Honey Bear was late again" :p

    YOU SNEAK! I bet you're a swot, too.

    Now, let's see if I can knit the previous days together. The caffeine day was highly productive in the end because I had so much energy. It's taken over two years (more like three or four) but the walk in cupboard under the front steps has had a thorough sort out and looks a lot better. Stuff will be going to the chazza, as well as some being chucked. Excellent. I'm back to normal caffeine-wise, thank goodness.

    My weight seems to be falling steadily and I really don't understand why. It's possible Mr Bear and I are eating smaller portions bit's defo not diet-type food. We're eating the leftovers from a rather large party, truth be told.

    Lights out times during the weird days were rather good, I seem to remember but then, of course, I blew it last night.

    And I'm all caught up *phew* with this bit of my life, at least.
    Better is good enough.
  • Elnora32
    Elnora32 Posts: 172 Forumite
    edited 29 August 2019 at 8:56PM
    Hello BalanceBy50.

    HappyNow - good news that you're back on the wagon.
    I might get the Bero book out and see if I can set Mr H off on that one now he's mastered scones. Chocolate ones I think......
    [FONT=&quot]Can I recommend the milk chocolate cake? I used to make it years ago and so as an ‘expert’ I can be on hand to QA it for you … it’s no trouble.[/FONT]
    50 minutes (2 x 20 minute walks & 1 x 10 minute walk) - 45 minutes (1 x 20 minute walk & 1 x 25 minute walk).
    [FONT=&quot][FONT=&quot]Dolphin - I think you are in hand with the walking - the extra minutes count for the days when you don't have time.
    [/FONT][/FONT]
    [FONT=&quot]Honey Bear - good to have you back. Sorry things are very busy for you. Excellent news on the weight loss and sorting the cupboard - I have a cupboard of doom which could do with a clear out.[/FONT]

    [FONT=&quot]My targets - exercise met. Flying - I just didn't bother.
    [/FONT]
  • HappyNow
    HappyNow Posts: 1,558 Forumite
    Part of the Furniture 1,000 Posts I've been Money Tipped! Name Dropper
    Hi Happy Now

    I hope you don't mind me joining your happy band of followers? Your opening post really struck a chord. DH knows roughly the amount of debt but not how it's tackled. I manage all the financials. Keeping up appearances is more with other people - we are mid 40's and should be in a much better place than we are. I am on page 53 and will carry on reading the whole diary if you don't mind? I am really enjoying it! I am going to borrow 2 things from your early days of that's ok? Recording amount paid as as a percentage and making a pad to my interest bearing debts of anything I have saved!

    Love BB50 XX
    Hello BB50 and thanks for dropping by. You must have some stamina if you're reading this diary right from the start. There's an awful lot of guff I'm afraid so do feel free to just pick up from today :D .

    From the start I recorded my debts as percentages and I still do. I update it on the 15th of each month which is our payday and I get quite excited by any milestones. There's a big one coming up on 15th September when I HOPE the overall debt will drop below 50%. That ones been a long time coming!

    Feel free to join in with the shenanigans any time :)
    LBM Dec 2011. Aimed, but failed, to clear all unsecured debt by Feb 2019. Finally free of unsecured debt 21st May 21!

    Debt Dec 11: Unsecured £69,579 + Mortgage £59,948 = £129,527
    Debt May 21: Unsecured ZERO! ZILCH! Mortgage £22,332
Meet your Ambassadors

🚀 Getting Started

Hi new member!

Our Getting Started Guide will help you get the most out of the Forum

Categories

  • All Categories
  • 351.2K Banking & Borrowing
  • 253.2K Reduce Debt & Boost Income
  • 453.7K Spending & Discounts
  • 244.2K Work, Benefits & Business
  • 599.2K Mortgages, Homes & Bills
  • 177K Life & Family
  • 257.6K Travel & Transport
  • 1.5M Hobbies & Leisure
  • 16.1K Discuss & Feedback
  • 37.6K Read-Only Boards

Is this how you want to be seen?

We see you are using a default avatar. It takes only a few seconds to pick a picture.