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I've had the worst of times - now for the BEST of times!
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Glad you are feeling better and have had a couple of good nights sleep.
Enjoy your time in the garden, and well done on the weight loss! :j Your target weight is probably what I need to lose :eek:
Happy holidays to us all it looks like!"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 McGee0 -
I haven't done a proper to do list for April-I've only played at it!
and we are nearly in the middle of the month! :eek:
Kids break up today for Easter hols so I might defer to do in April until May...on the other hand, maybe I should do a list and just see what I can achieve in second half of month...
Oh, I'm so very good at procrastinating!
Me too. I'm a genius at it.
This is a very good (and funny) read on the subject:
http://waitbutwhy.com/2013/10/why-procrastinators-procrastinate.html0 -
Glad you are feeling better and have had a couple of good nights sleep.
Enjoy your time in the garden, and well done on the weight loss! :j Your target weight is probably what I need to lose :eek:
Happy holidays to us all it looks like!
Don't be daft, Jwil, you don't need to lose 8.5 stone. And you've enough to be coping with at the moment without tackling a weight-loss plan. My kids are all older and more-or-less able to look after themselves. That makes life a lot easier, believe me, and gives me the opportunity to look after myself and work on my fitness and eating. They say when women reach a certain age they start being more selfish and looking after themselves again after years of nurturing a family - well I think it's happening to me.
Yes, happy holidays everyone, looks like the weather intends to behave itself as well. :j0 -
peaceandfreedom wrote: »Me too. I'm a genius at it.
This is a very good (and funny) read on the subject:
http://waitbutwhy.com/2013/10/why-procrastinators-procrastinate.html
Love the link, I did stray over to the picture and then the link about monkeys. :rotfl: but I went back to the procrastinating blog and the possible cure/assistance. I can particularly relate to the 'procrastinators love planning because planning isn't doing'-this is so me...
Maybe that's why I write lots of to do lists... :rotfl:GE 36 *MFD may 2043
MFIT-T5 #60 £136,850.30
Mortgage overpayments 2019 - £285.96
2020 Jan-£40-feb-£18.28.march-£25
Christmas savings card 2020 £20/£100
Emergency savings £100/£500
12/3/17 175lb - 06/11/2019 152lb0 -
Love the link, I did stray over to the picture and then the link about monkeys. :rotfl: but I went back to the procrastinating blog and the possible cure/assistance. I can particularly relate to the 'procrastinators love planning because planning isn't doing'-this is so me...
Maybe that's why I write lots of to do lists... :rotfl:
Yes, that bit made me smile as well - it's me exactly - how I love planning what I'm going to do every day. Lists, lists and more lists - what could be better?
Actually, I find I achieve a lot more now that I actually put a time estimate beside each task - it makes me much more realistic. I have a total that shows how many hours effort overall is required for the day - yesterday's initial list came in at 24.5 hours. :rotfl:
In all seriousness, it makes me prioritise and think about what absolutely MUST be done and do those jobs first. If my hourly total goes over a realistic amount, I move tasks to another day. It seems to work well. I got most of what I needed to do done today. :T I have learned that on a work night I am unlikely to spend more than 3 hours on my tasks -probably more like 2. That's fine, I just need to be a bit smarter about planning things.
Money-wise, there's a lot going out and not a huge amount coming in. I have done an elaborate plan for the next few months as both April and May are high-expense months due to various family events. I am not used to getting over this kind of thing without a credit card and it's proving a bit hairy. :eek: But I'm getting there. It is most gratifying to know that I will get to the end of it without racking up any debt. :dance:
I won 25 quid on the Lotto last night - not life-changing but I won't say no.0 -
Well done on your win. Apart from jackpots, it's not the amount but just the unexpected positivity that makes it worthwhile.Mortgage at 01.01.14 £119,481.83:eek: today £0 Emergency fund £5.5/5.5k & £200/200 cash.:jWeight 24/02/19 14st 7lb now 12st determined to stop defining myself by my mistakes. Progress not perfection.:T100%through my 1% mortgage challenge. 100% through my pb challenge.0
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peaceandfreedom wrote: »Yes, that bit made me smile as well - it's me exactly - how I love planning what I'm going to do every day. Lists, lists and more lists - what could be better?
Actually, I find I achieve a lot more now that I actually put a time estimate beside each task - it makes me much more realistic. I have a total that shows how many hours effort overall is required for the day - yesterday's initial list came in at 24.5 hours. :rotfl:
In all seriousness, it makes me prioritise and think about what absolutely MUST be done and do those jobs first. If my hourly total goes over a realistic amount, I move tasks to another day. It seems to work well. I got most of what I needed to do done today. :T I have learned that on a work night I am unlikely to spend more than 3 hours on my tasks -probably more like 2. That's fine, I just need to be a bit smarter about planning things.
Money-wise, there's a lot going out and not a huge amount coming in. I have done an elaborate plan for the next few months as both April and May are high-expense months due to various family events. I am not used to getting over this kind of thing without a credit card and it's proving a bit hairy. :eek: But I'm getting there. It is most gratifying to know that I will get to the end of it without racking up any debt. :dance:
I won 25 quid on the Lotto last night - not life-changing but I won't say no.
My lists work better when I put time estimates against each task too.
I have been known to write lists and approximate times added up to over 19 hours :rotfl:GE 36 *MFD may 2043
MFIT-T5 #60 £136,850.30
Mortgage overpayments 2019 - £285.96
2020 Jan-£40-feb-£18.28.march-£25
Christmas savings card 2020 £20/£100
Emergency savings £100/£500
12/3/17 175lb - 06/11/2019 152lb0 -
well done on the lottery win - and I totally get what you are saying about kids and credit cards
oh and lists
Started this journey in 2013 (on a previous diary) with approx 94,000 total of morg and debt combined
Total Morg and debt outstanding March 2019. 84,487.00
Total morg and debt o/standing 1/11/19 - 80,177
Total morg and debt o/standing 8/3/20 - 77,996
Total morg and debt Feb 2021 - 75021
Total morg and debt jan 2022 - 68441
Dec 2023 zero mortgage - debt under 100000 -
Hi p&f,
You are putting me to shame with all your gardening work - i will do mine in the summer as i know once i get started i stay out there all dayI do *wish* i had the money to get the new paving done which is a *need* - think lots of loose paving pointless spending money to repair it when it just needs completely replacing and with better stuff.
I do lists and have an idea in my head of the time things will take - i emptied and put back and inventoried the freezer and it took about an hour which i expected.
Well done on your win :T
Do you think if i weed and put bark down it'll help stop the weeds at all?CC1:T £[STRIKE]2531[/STRIKE] £1460MORTGAGE OVERPAYMENTS: £10575.20 Target £12,100MF Date: [STRIKE]August 2042[/STRIKE] May 2035Declutter 1000 things by Xmas 2015! 53/10000 -
I think the bark approach is a myth. We dug out, weeded, put weed fabric down and topped with bark. Nasty weeds still come through.Mortgage at 01.01.14 £119,481.83:eek: today £0 Emergency fund £5.5/5.5k & £200/200 cash.:jWeight 24/02/19 14st 7lb now 12st determined to stop defining myself by my mistakes. Progress not perfection.:T100%through my 1% mortgage challenge. 100% through my pb challenge.0
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