Making a move on debt

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  • muppets
    muppets Posts: 1,476 Forumite
    Name Dropper First Post First Anniversary Debt-free and Proud!
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    Update for Sunday

    S/E work approx 2 hours per day. 10/16 No Tick
    Bed by 10pm or 10.30 if there is a team call 11/14 No Tick
    Drink 1.5 ltrs of water per day. 10/16 No Tick
    Time for me/ OH not wasting it on fb games 12/16 Tick
    Walk 10,000 steps per day 12/16 Tick
    No devises to bed, ipod, phone etc. 14/16 Tick

    Did some S/E work, happy with what I did do, but not enough.
    Didn't make it to bed by 10pm last night, as I was trying to fit all my steps in.
    Came short of about 300ml of water. By bedtime I couldn't face drinking anymore.
    PAYDBX 2020 - #01 Pd £15,029.29 / £13,140.66 - 114% 🎉

    MFiT-T5 #36
    3-6 mth EF #5
    €2,445 / 11,100
    Mortgage - PD 126,846.35/ 271,495.07 46.72%[ MF was Aug 2038 now Sept 2035 😲
  • muppets
    muppets Posts: 1,476 Forumite
    Name Dropper First Post First Anniversary Debt-free and Proud!
    Options
    Update for Monday

    S/E work approx 2 hours per day. 11/16 Tick
    Bed by 10pm or 10.30 if there is a team call 12/14 Tick
    Drink 1.5 ltrs of water per day. 12/16 Tick
    Time for me/ OH not wasting it on fb games 13/16 Tick
    Walk 10,000 steps per day 13/16 Tick
    No devises to bed, ipod, phone etc. 15/16 Tick

    Full house for me on Monday. :):)
    Yesterday was not so good. :(:(

    Update for Tuesday

    S/E work approx 2 hours per day. 11/16 No Tick
    Bed by 10pm or 10.30 if there is a team call 13/14 Tick
    Drink 1.5 ltrs of water per day. 11/16 No Tick
    Time for me/ OH not wasting it on fb games 14/16 Tick
    Walk 10,000 steps per day 13/16 No Tick
    No devises to bed, ipod, phone etc. 16/16 Tick

    Again didn't do enough S/E work. :(:(
    Only drank about 1 ltr of water. :(
    Missed my steps by about 1,000 only remembered when I was comfy in bed and didn't !!!! to get back up.
    PAYDBX 2020 - #01 Pd £15,029.29 / £13,140.66 - 114% 🎉

    MFiT-T5 #36
    3-6 mth EF #5
    €2,445 / 11,100
    Mortgage - PD 126,846.35/ 271,495.07 46.72%[ MF was Aug 2038 now Sept 2035 😲
  • muppets
    muppets Posts: 1,476 Forumite
    Name Dropper First Post First Anniversary Debt-free and Proud!
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    Going to continue doing these again this month hope I do better then last month.

    Update for Wed

    S/E work (List of daily jobs do do). 1 / 31 Tick
    Bed by 10pm or 10.30 if there is a team call 0 / 27 No tick
    Drink 1.5 ltrs of water per day. 0 / 31 No Tick
    Time for me/ OH not wasting it on fb games 1 / 31 Tick
    Walk 10,000 steps per day 1 / 31 Tick
    No devises to bed, ipod, phone etc. 1 / 31 Tick

    Agagin not enough water drank. :(

    Didn't make it to bed by 10pm as I forgot I had to do something and it needed to be done before I went to bed, would have otherwise been in bed by 10pm. :(
    PAYDBX 2020 - #01 Pd £15,029.29 / £13,140.66 - 114% 🎉

    MFiT-T5 #36
    3-6 mth EF #5
    €2,445 / 11,100
    Mortgage - PD 126,846.35/ 271,495.07 46.72%[ MF was Aug 2038 now Sept 2035 😲
  • muppets
    muppets Posts: 1,476 Forumite
    Name Dropper First Post First Anniversary Debt-free and Proud!
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    Not much money news, waiting until Friday evening then I know if I stuck to all the budgets. Saturday is the day I do the monthly shop, so had kept back some money for to up, just in case.

    Received a letter in the post yesterday from work #2. They are changing the way we receive our payslips. We always get the payslips in the post, some months it's up to a week after we got paid. They are now changing it for those that want to, to receive their payslips online. Both hubby and I will be changing to this. Makes it easier to check for errors and to budget, knowing how much I need to put aside to tax.
    Hope that work #1 does this too, would make it so much easier for us.

    Right need to get ready for work.
    PAYDBX 2020 - #01 Pd £15,029.29 / £13,140.66 - 114% 🎉

    MFiT-T5 #36
    3-6 mth EF #5
    €2,445 / 11,100
    Mortgage - PD 126,846.35/ 271,495.07 46.72%[ MF was Aug 2038 now Sept 2035 😲
  • muppets
    muppets Posts: 1,476 Forumite
    Name Dropper First Post First Anniversary Debt-free and Proud!
    Options
    Update for Thur

    S/E work (List of daily jobs do do). 2 / 31 Tick
    Bed by 10pm or 10.30 if there is a team call 01/ 27 Tick
    Drink 1.5 ltrs of water per day. 1 / 31 No Tick
    Time for me/ OH not wasting it on fb games 12/ 31 Tick
    Walk 10,000 steps per day 2 / 31 Tick
    No devises to bed, ipod, phone etc. 2 / 31 Tick

    Ticks all round. :T:T
    PAYDBX 2020 - #01 Pd £15,029.29 / £13,140.66 - 114% 🎉

    MFiT-T5 #36
    3-6 mth EF #5
    €2,445 / 11,100
    Mortgage - PD 126,846.35/ 271,495.07 46.72%[ MF was Aug 2038 now Sept 2035 😲
  • muppets
    muppets Posts: 1,476 Forumite
    Name Dropper First Post First Anniversary Debt-free and Proud!
    Options
    Update for Friday

    S/E work (List of daily jobs do do). 3 / 31 Tick
    Bed by 10pm or 10.30 if there is a team call 01/ 27 No Tick
    Drink 1.5 ltrs of water per day. 1/ 31 No Tick
    Time for me/ OH not wasting it on fb games 3/ 31 Tick
    Walk 10,000 steps per day 3/ 31 Tick
    No devises to bed, ipod, phone etc. 3/ 31 Tick

    Didn't make it to be on time :mad:
    Again didn't drink enough water. :mad:

    The rest I managed.:T:T
    PAYDBX 2020 - #01 Pd £15,029.29 / £13,140.66 - 114% 🎉

    MFiT-T5 #36
    3-6 mth EF #5
    €2,445 / 11,100
    Mortgage - PD 126,846.35/ 271,495.07 46.72%[ MF was Aug 2038 now Sept 2035 😲
  • muppets
    muppets Posts: 1,476 Forumite
    Name Dropper First Post First Anniversary Debt-free and Proud!
    Options
    Update for Saturday

    S/E work (List of daily jobs do do). 4 / 31 Tick
    Bed by 10pm or 10.30 if there is a team call 01/ 27 No Tick
    Drink 1.5 ltrs of water per day. 2/ 31 Tick
    Time for me/ OH not wasting it on fb games 3/ 31 Tick
    Walk 10,000 steps per day 3/ 31 Tick
    No devises to bed, ipod, phone etc. 4/ 31 Tick

    Went to bed about 11pm last night, but as there was no work today I don't mind 1 late night per week. :rotfl::rotfl:
    Yes finally drank enough water. :T:T
    Spend time away from laptop / devices watching tv with hubby;)
    Missed my steps count, was just under 2000 away, wasn't going to stay up later last night to get them done.
    No devises to bed. Yes managed this. Seem to sleep better when I leave mine downstairs. :)
    PAYDBX 2020 - #01 Pd £15,029.29 / £13,140.66 - 114% 🎉

    MFiT-T5 #36
    3-6 mth EF #5
    €2,445 / 11,100
    Mortgage - PD 126,846.35/ 271,495.07 46.72%[ MF was Aug 2038 now Sept 2035 😲
  • muppets
    muppets Posts: 1,476 Forumite
    Name Dropper First Post First Anniversary Debt-free and Proud!
    Options
    Update for Sunday

    S/E work (List of daily jobs do do). 4 / 31 NO Tick
    Bed by 10pm or 10.30 if there is a team call 01/ 27 No Tick
    Drink 1.5 ltrs of water per day. 3/ 31 Tick
    Time for me/ OH not wasting it on fb games 5/ 31 Tick
    Walk 10,000 steps per day 3/ 31 Tick
    No devises to bed, ipod, phone etc. 5/ 31 Tick

    Did most of the list for S/E, but know I could have done more, so no tick for me.
    Went to bed after 10.30, there was a team call, but should have gone straight to bed after it finished. No tick
    Drank 1.5 lts of water tick
    Spent time doing with hubby doing something fun and in the evening went out for a walk. Tick
    Didn't do enough steps, even though we did go for a walk. Shows how much I walk in work. No tick
    No ipod etc in bed. This I have mastered. Tick
    PAYDBX 2020 - #01 Pd £15,029.29 / £13,140.66 - 114% 🎉

    MFiT-T5 #36
    3-6 mth EF #5
    €2,445 / 11,100
    Mortgage - PD 126,846.35/ 271,495.07 46.72%[ MF was Aug 2038 now Sept 2035 😲
  • muppets
    muppets Posts: 1,476 Forumite
    Name Dropper First Post First Anniversary Debt-free and Proud!
    Options
    Update for Monday

    S/E work (List of daily jobs do do). 5 / 31 Tick
    Bed by 10pm or 10.30 if there is a team call 2/ 27 Tick
    Drink 1.5 ltrs of water per day. 4/ 31 Tick
    Time for me/ OH not wasting it on fb games 6/ 31 Tick
    Walk 10,000 steps per day 4/ 31 Tick
    No devises to bed, ipod, phone etc. 6/ 31 Tick

    Full house for Monday.:rotfl::rotfl:

    Update for Tuesday

    S/E work (List of daily jobs do do). 5 / 31 Tick
    Bed by 10pm or 10.30 if there is a team call 2/ 27 Tick
    Drink 1.5 ltrs of water per day. 5/ 31 Tick
    Time for me/ OH not wasting it on fb games 7/ 31 Tick
    Walk 10,000 steps per day 5/ 31 Tick
    No devises to bed, ipod, phone etc. 7/ 31 Tick

    While I didn't do all the list of daily jobs, ran out of time as I had been shopping in the middle of the day, which I would have used for S/E work. I did have some quality conversations, which could turn profitable.
    Didn't make it to bed on time as I was in the middle of an above conversation.
    Drank enough water. :j
    spend time with hubby:j
    walked over 11,000 steps:beer:
    No ipod to bed. :T

    Over all was a good day.
    PAYDBX 2020 - #01 Pd £15,029.29 / £13,140.66 - 114% 🎉

    MFiT-T5 #36
    3-6 mth EF #5
    €2,445 / 11,100
    Mortgage - PD 126,846.35/ 271,495.07 46.72%[ MF was Aug 2038 now Sept 2035 😲
  • muppets
    muppets Posts: 1,476 Forumite
    Name Dropper First Post First Anniversary Debt-free and Proud!
    Options
    Monday our wages from work #1 hit the bank account.
    Yesterday wages from work #2 hit the account.

    Was quit pleased as needed to do the monthly shopping and was worried I might not have enough in the bank to cover it from the spending account. We have enough in the savings account that I could have transferred over if need be.

    Flex insurance money came out of the account, need to speak to the bank about this, it doesn't seem to have changed since before the payment. Had a letter from the bank a few days back, but as it was in French I didn't understand it and neither did hubby. Need to get them to translate it for me and explain why the account didn't go up with the payment.

    Yesterday made an easy chicken curry dinner in the slow cooker. So glad we used some of the wedding money to buy this.

    YNAB is all done for the month with money to spare. Need to wait now for the payslips from both companies before I share the spare money out to the pots.

    On Sunday, we posted the letter back from work #2 agreeing to having online payslips from April. Really hope work #1 starts this as it would be so much quicker.

    Right better get ready and get off to work.
    PAYDBX 2020 - #01 Pd £15,029.29 / £13,140.66 - 114% 🎉

    MFiT-T5 #36
    3-6 mth EF #5
    €2,445 / 11,100
    Mortgage - PD 126,846.35/ 271,495.07 46.72%[ MF was Aug 2038 now Sept 2035 😲
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