Making chicken feed of my mortgage

muddywhitechicken

muddywhitechicken wrote: »

Well I've started by cancelling my gym membership!!!

However, my membership doesn't end until 10 December and a new fitness & wellbeing centre is opening close to work in January. So...

1. Go to the gym a minimum of 20 times before 10 December.
2. Follow the WW plan properly in November and at least 5x/week in December.
3. Reduce caffeine intake - maximum 1 coffee/day.
4. Drink 1.5 L water/day (including weekends).
5. No late nights in November.
6. No watching rubbish made-for-TV Christmas movies when I'm home alone midweek (I have identified this as a trigger for binge eating ). Go for a walk instead!
7. Make a real effort to get to work early or on-time every day (my current punctuality is appalling )
8. Meal plan from larder/freezer/garden in November. Only buy milk, yogurt, bread, fruit & vegetables.
9. No unnecessary spending!
10. :think:

So how have I done on Day 1?!

1. I went to the gym at 6 am
2. I counted WW points (I've only eaten 24/30 points but I've had 3 meals, a snack & a milky coffee so I'm not going to eat anything else)
3. Only 1 coffee but it was a good one (HM latte using freshly ground Vietnamese coffee beans)
4. Drank 1.5 L water
5. It feels so much later than 8-something so I'm planning to be in bed by 9.30 pm
6. No rubbish TV (no evening walk either though)
7. WFH home today and I started work on time
8. & 9. Brisk walk to the supermarket at lunchtime (1 mile each way) and I spent
£28.69 I really didn't need to buy dried porcini mushrooms, individual cheese portions, pastrami, smoked dry cured pork medallions or quite so much fruit and vegetables

I've got a Me & My Self Esteem course at work tomorrow. I'm hoping to leave with more than I go with!

pinkypig

Delurking to say a huge well done with the pension pot :T
I'm also trying to balance being MF with adding to my pension fund as I want to retire early but with a decent income (always did want to have my cake and eat it:o).
I've always plugged away at my pension but have no idea of the value of the whole pension pot. I'm going to find out! Thanks

gallygirl

muddywhitechicken wrote: »

The walking works more as a food avoidance tactic :rotfl:

Our problem is there is always a meal or drink at the end of the walk :rotfl:.

greent

DId you contact fitbit about the death? - I had 2 die and they replaced foc - their customer service is fab (fitbit has to be less than 2yo, I believe)
x

muddywhitechicken

greent wrote: »

DId you contact fitbit about the death? - I had 2 die and they replaced foc - their customer service is fab (fitbit has to be less than 2yo, I believe)
x

No, I didn't - it was a freebie that had been well used for a couple of years and the battery would no longer hold a charge.

muddywhitechicken

gallygirl wrote: »

Our problem is there is always a meal or drink at the end of the walk :rotfl:.

Didn't think the route through very well this evening... walked past two chippies :drool:

muddywhitechicken

So how have I done on Day 2?!

1. Gym at 6 am [2/20]
2. 29/30 WW points [2/32]
3. 1 coffee [2/32]
4. Drank 2 L water [2/32]
5. Planning to be in bed by 9.45-ish [2/32]
6. No rubbish TV [2/32]
7. At my desk on time [2/32]
8. & 9. Walked to the supermarket this evening and spent £2.01 - didn't need to buy roasted buckwheat groats but, in my defence, they have been on my store cupboard wish list for a while... [0/32]

I make the last £500 transfer to my Regular Saver tomorrow. When it matures in December I had planned to pay £6,000 off the mortgage but now I think that I'll transfer £1,000 to the mortgage (so we end the year in the 30s :j) and transfer the remaining £5,000 to my S&S ISA.

Greying_Pilgrim

Thought of you this morning mwc and when I was thinking about a second coffee, I drank a pint of tap water instead :T

I will possibly have 2 coffees tomorrow, but as long as that is a rarity, not the norm, then I think that be improvement enough for me

Keep up the good work :T

Greying X

muddywhitechicken

Greying_Pilgrim wrote: »

Thought of you this morning mwc and when I was thinking about a second coffee, I drank a pint of tap water instead :T

Well done Greying :T

So I haven't been to the gym this morning but I did get to work early and go for a 30 minute walk in the sunshine before being back at my desk on time

The Barnacle geese are back I don't think they've read the RSPB website on where to see them...:rotfl:

muddywhitechicken

1. No gym [2/20]
2. 30/30 WW points [3/32]
3. 1 coffee [3/32]
4. Drank 1.5 L water [3/32]
5. Planning to be in bed by 10 pm [3/32]
6. No rubbish TV [3/32]
7. At my desk on time [3/32]
8. Root vegetable frittata & salad using eggs & salad leaves from the garden [1/32]
9. I didn't go near a shop or buy anything online! [1/32]

I've now picked 14 bags of salad leaves from the garden (~£2.59/bag)

WR have sent me another 4 x £8 off a £40 spend coupons to use in November - I don't know whether to be :j or :mad: