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I've had the worst of times - now for the BEST of times!

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  • jwil
    jwil Posts: 21,953 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    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 McGee
  • tattycath wrote: »
    I haven't done a proper to do list for April-I've only played at it! :o 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! :o:o

    Me too. I'm a genius at it. :o

    This is a very good (and funny) read on the subject:
    http://waitbutwhy.com/2013/10/why-procrastinators-procrastinate.html
  • jwil wrote: »
    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. :j
  • tattycath
    tattycath Posts: 7,175 Forumite
    Part of the Furniture 1,000 Posts
    Me too. I'm a genius at it. :o

    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 152lb
  • tattycath wrote: »
    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? :D

    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. :D
  • 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.
  • tattycath
    tattycath Posts: 7,175 Forumite
    Part of the Furniture 1,000 Posts
    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? :D

    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. :D

    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 152lb
  • 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 10000
  • DedicatedDFW
    DedicatedDFW Posts: 4,234 Forumite
    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 day :o I 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] £1460
    MORTGAGE OVERPAYMENTS: £10575.20 Target £12,100
    MF Date: [STRIKE]August 2042[/STRIKE] May 2035
    Declutter 1000 things by Xmas 2015! 53/1000
  • 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.
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