Milann's loan has got to go......

milann

Didn't realize you had a son Beanie - can't believe both my kids are in their 30's where does time go......

Decided the swimming can be paid for by slimming world subs - my incentive to lose those last 2 lb........ the final 2 lb loss might actually happen as Christmas cake has finally been eaten - slimming world lady suggested throwing it out but the MSE in me couldn't do it - I paid good money for the ingredients and put love into making it - throw it out - NOT A CHANCE - but I have limited myself to tiny pieces - my halo is glowing as I type.

I have emptied all the change from my purse into George my pottery cat money box and once George is full I will take change to bank to make an overpayment to loan - I plan an overpayment a week even if it's only tiny - plus I'm hoping to make a bigger one before each payday with any cash left in the account from previous month - told you I was thinking positive thoughts

milann

still 1/7 nsds - spent £3.50 on milk and frozen chips - had intended a nsd but dh asked for fish and chips for tea - just shuffled my nsd to later in week and have what we were going to have tonight another day - no damage done like to keep dh happy as he doesn't ask for much. Tea still ok on sw as I didn't eat batter and only had a few chips in a delicious chip butty - bread as my healthy b choice (just had to count spread)

MSE things done - put change in George the cat money box and put milk back on shelf in Sainsburys (only went in cos it's round the corner from work) when I realized they wanted £1.40..... HOW MUCH - TOO MUCH me thinks........ when I can get it in Morris@ns for 97p - so I did just that - drove past Morris@ns on way home - walked blinkered up and down aisles to milk and bought ONLY milk - feeling rather smug ha ha

All in all a good day

milann

- 3/7 nsds so pretty chuffed with that
- not too chuffed with putting 1 1/2 lb ON at slimming world - now need to lose 3 1/2 before I can go for free again.. think that's going to be my motivation. I'm so close to packing it in and saving the cash but come so far I don't want to - MAD WITH MYSELF!!!

milann

Looking good for 4/7 nsds - no plans to go out but who knows - maybe I'll get a better offer

I tried to get onto on line banking last night - since I'd had trouble with the old 'puter I was using after robbing whatnots took mine in the summer I haven't accessed banking on line - so now I have access to a better machine, I phoned sillysantander over a week ago to request new passwords and and asking to have everything set up afresh. I waited for my new codes to arrive in separate envelopes and tired last night - spent over an hour - kept saying codes not recognized so I got on the phone to customer support - and was asked to set up new passwords as my old one had been blocked at my request - ggggrrrrrrrrr - I explained this is what I thought I'd requested the week previously - apparently they had sent SOME new passwords but not the main one to open the account. SO I ranted a bit and threatened to change banks but in fairness the young girl on the phone was trying her best - it's the idiot I spoke to last time that didn't listen to what I'd asked for..........so now I'm waiting for about another week before I can try and access my account to do some number crunching and make overpayments - so annoying when I'm on a roll......... my enthusiasm doesn't usually last for long.

If it doesn't work next time I will change accounts but have just taken out insurance with them with a discount because I have their account.

beanielou

I am the same weight wise.
Such a bleeping waste of money that I don't have.
But for me if I stop going it is the slippery slope...........

milann

Ooohh I know exactyl where you are coming from with that thought. I had been so on plan until yesterday - this was going to be IT lol......then.....there is quite a bit of agro and staff changes happening at work and I offered to stay (unpaid) to help a friend out and she got the chocolates out - healthy eating out of the window and I haven't been much better today so I suspect I'll have undone all my good work..... could kick myself. If I'd have come home I would have kept at it... but hey no good crying over spilt milk or eaten chocolate.

I managed my 4/7 nsds last week so pretty pleased with that - I went shopping on Sunday and spent £65 which was more than I'd planned but I go lots of offers and some reductions -freezers and cupboards are full to overflowing and I haven't spent since so 3/7 so far this week Not sure if I should tempt fate and predict I won't need an big spends for a couple of weeks - this should easily save me enough cash for train tickets to London for granny cuddles during half term.

Getting a bit frustrated waiting for my yearly statement for my loan and s@ntander to send me new passwords for t'internet - I'm desperate to number crunch.........

milann

5/7 nsds this week - pretty pleased with that and 1 of them was for Valantine's Day - I forgotten to take something special out of the freezer so bought some nice goodies instead - but can fall back on freezer another time

Ha done really well for 5 days with slimming world then life took over and I hit the chocolates at work - just because they were there and it had been a stressy few days. I'd maintained but am no closer to my target!!

This week so far so good - hoping to go for a nice walk tomorrow if it stops raining.........

milann

Lost 1lb so I am getting there with slimming world. I am going to dds next week so by the following week I want to be at my target and can put my 4.95 a week toward my loan.

Still waiting for my statement to arrive for my loan but it should definitely be here by this time next week.

We went to cinema last night and had a meal at Wetherspoons first so I spent £30 but we had a lovely meal, desert, wine and coffee and had bogof at cinema so was a lovely treat and well worth it. It feels like ages since I went out with dh.

It is half term next week and I have a couple of outings planned but will be taking picnic lunch for at least one of them so I can stay mse and slimming world friendly. I will be going to dds so have spent £60 on train tickets to London and back. I will try and keep spends as low as possible but not sure how things will pan out........... we shall see!!

milann

Trip to dds was lovely - although there was a massive delay on the train on the way home - so I have put in for a refund on my train ticket - just waiting t see what the outcome will be - but since there were no trains in or out of Euston that evening for a couple of hours I'm fairly hopeful

I was chuffed to lose 31/2 lb at slimming world this week - pity I put 3 on last week though .......just 2 lb till I reach target and don't have to pay. I treated myself to a pair of new jeans from S@insbury's last week and they were the smallest size I have EVER bought. That has spurred me on better than anything. I'm not going to wear them until I get the last 2lb off - and then I'll go and spend some birthday vouchers I've been saving and spend my fiver a week from slimming world to replenish my clothes that are getting very tatty and forlorn - I need a boost...........

I finally got my yearly loan statement and it was just over 6 grand - I have made another scheduled payment and an overpayment of £50 so am now £5900 ish not got the exact figure infront of me - but I'm through the 6 grand barrier.

All is going in the right direction - so things are looking good

milann

Spending and eating have been really hit and miss.........can't seem to focus on anything recently. I'm just standing still - no more debt but no extra payments - I'm actually spending slightly more than my wages each month and eating away at my emergency fund.
THIS HAS GOT TO STOP!!!!

I am going to have to have about 3 months off work - hopefully the school summer holidays will fall somewhere in this....... I'm on the list for stomach surgery to repair a few hernias along an old surgery scar line. It has gone from a day case with keyhole surgery and 2 or 4 weeks off work at most - to open surgery with about a week in hospital and no lifting for 6-8 weeks and then build up gradually - depending on how much of the old scar they have to open - it's 12 inches long so I'm hoping they won't have to do it all!!!! Soooo since I work with children that can hit out without warning, can suddenly drop to the floor if you are holding their hands and need lots of lifting and support - it could well be 3 months off work.......... I am still on a temporary contract even though I've been there virtually 4 years, so was very worried but boss has reassured me unless there are any financial disasters before the next years budget I will be kept on..........

I need some real damage limitation - I know this but can't seem to stop myself spending.........mainly food but I bought a dress yesterday in Tesco too - I need to get a grip..........

So tomorrow is a new day and I'm going to do a mini spending challenge until I go away in 2 weeks time - a cheap caravan holiday in Cornwall.

SOoooooooooooo - spending diary/food diary and exercise diary - I will get into the best shape I can before my surgery......now where've I heard that before BUT THIS TIME ITS GONNA HAPPEN Watch this space lol