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108 spiders are a girl's best friends
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Sounds like a plan. I can understand you being more careful on diet and exercise following your long illness and rehab time.Achieve FIRE/Mortgage Neutrality in 2030
1) MFW Nov 21 £202K now £174.8K Equity 32.77%
2) £1.6K Net savings after CCs 14/8/25
3) Mortgage neutral by 06/30 (AVC £25.3K + Lump Sums DB £4.6K + (25% of SIPP 1.2K) = 31.1/£127.5K target 24.4% 15/8/25
4) FI Age 60 income target £16.5/30K 55.1%
5) SIPP £4.8K updated 29/7/251 -
So I looked back on my post of December 28th and I was 13 stone and 8 pounds, with reserves of £16,000.00 in the business bank account.
My month end has concluded and I am now 13 stone 2 pounds and I have £16,517.70 in reserves.
I have, for the most part, really enjoyed January and have kept focused on increasing my wealth and decreasing my girth. I have no doubt that if I had not reconnected with MSE I would not have achieved the above, so thank you for your encouragement!
I succumbed today and joined "Sli**ing World" for 12 weeks. I have been set a target of following a plan exactly and a goal of losing 5 pounds by 3.30 pm Monday, next week (I thought that would be for the whole month!!). When I said my ultimate target was 11 stone 8, he said that was an interim one and I should be aiming for 10 stone 10 to get to my correct BMI. I last saw that weight 30 years ago!
I have to admit it all seems overwhelming and I feel very flat, I think it is because I am a serial failure at weight loss and don't truly believe that I can do this, yet, but he did say, " how much do you want this on a scale of 1 to 10 and I said 10, so for a 10 I am willing to do 'Just so'.
I make an MSE commitment, here, to follow the plan, exactly for a week, carry on doing my 10,000 steps a day and drinking 2 litres of water too. When I lose 5lb I will convert to SWorld and be an obedient disciple for the following 12 weeks. Thirteen weeks in total, 13 always seems to be lucky for me!
I also commit to adding £200.00 to my reserves this month and deep cleaning our bedroom.
I can do this x.0 -
i like the way you shop. I try to keep my food spend low due to my circumstances but I do think mindful spending on good food is the way to go. I love my veg box but do it once a month and get a box big enough to last a fortnight. It helps me eat better and supports work in the community too
Good luck with SW although it sounds like you are doing well with your weightless as it is.If you have built castles in the air, your work should not be lost; that is where they should be. Now put the foundations under them
Emergency fund 100/1000
Buffer fund 0/100
Debt Free (again) 25/0720250 -
Thanks DIA,
I had a really bad night and feel completely shattered this morning.
I had this continually recurring dream whereby I was in a train station and I was trying to follow family to a meal at my aunt's house, but I could not get out. All exits were blocked and just when there seemed a hope of escape, I would realise that I had lost my purse, I would then run back to find it, always amazed that nonone had stolen it.
I feel the dream is a combination of joining Slimming World, reading a thread on here "Mission Freedom' and watching an episode of 'The Crown' yesterday where Prince Charles is educated at Gordonstoun and describes it as 'Colditz in kilts'. I felt sad because it seemed as if Prince Philip failed to respect the ways his son was different from him and love him for the boy he was.
I want out of my business and out of this fat suit and I have set a target of 1st August 2020, for both, They are the past, which I have learned a lot of tough lessons from, but now is the time to proudly enter my future and cut the ties that bind.. It is OK to be the best version of me! :rotfl:
I will have a bath, gaze at my new candle and figure a way out of the station, where there is a major, subconscious, sabotaging block lol.:eek:
I am not sure how much change can truly occur on the outside without sorting out the inside?0 -
We always have to work on our inner happiness/contentment - when you find the secret please let us all know! Well done on this month's progress. I think I am too future focused and therefore always falling short today - rather than appreciating how much progress I am making in the now.
On SW - it is in their interest to set a lower target and say you are going for an interim - as you stop paying when you hit the target you set. You can set it for what you want... I really need to do SW or an equivalent again. I want the result but not the effort of getting there. I'm hoping that rejoining the gym - on a low cost scheme - will help me be more motivated to eat right. Good luck with your SW journey. I've set myself a target to lose at least a stone a year for the next 5 years. That way at retirement I will be significantly closer to my ideal weight - but haven't completely over-stretched myself.... Whatever works I guess.Achieve FIRE/Mortgage Neutrality in 2030
1) MFW Nov 21 £202K now £174.8K Equity 32.77%
2) £1.6K Net savings after CCs 14/8/25
3) Mortgage neutral by 06/30 (AVC £25.3K + Lump Sums DB £4.6K + (25% of SIPP 1.2K) = 31.1/£127.5K target 24.4% 15/8/25
4) FI Age 60 income target £16.5/30K 55.1%
5) SIPP £4.8K updated 29/7/250 -
Well I planned to have a day off, if I met my January targets and I did, so today has turned into a duvet day and I am still in my polar bear pj's. My head has now cleared, I have finished my candle musings and I feel like typing up my thoughts.
1. I realise that I want to work until I am 68 (15 more years). I took ill health retirement in 2015, following a year off work, so I have a couple of smallish, DB, lifetime pensions that pay out each month, but I don't use the money. Being forced out of work, made me realise how important having a job was to me.
2. Because of the above, business reserves and an inheritance, I don't have to do employment I don't enjoy and that is a tremendous blessing that I intend to capitalise on.
3. I am no-longer happy running my own care business for the following reasons:-
- It is very difficult to maintain a work/life balance, when there are staffing issues. Every time I grow the business, I grow my troubles and responsibilities, not my joy.
- Endless rules/regulations and policies to follow and masses of paperwork and documentation to keep on top of is very waring.
- There are constant credit control issues, where a big reserve can be very quickly eaten up. Local Authorities are continually moving the goal posts, making it increasingly difficult to make a profit.
- I still feel like a 'mother' to too many grown up people and I don't want that role anymore, it is not good for them or me.
- The risks are too high and the rewards too low!
4. I want to earn £1500.00 a month, 4 days a week, doing something meaningful, to me. I would like it connected with a university, utilising the skills I have already, but stretching me to develop myself and my management leadership skills, particularly with regards to boundaries and balance..
4. I want to have August off (for an adventure) and start number 4 in September 2020. I have some ideas that I am working on, I need to be focussed.
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I like your thinking. What are you hoping to do in August?Achieve FIRE/Mortgage Neutrality in 2030
1) MFW Nov 21 £202K now £174.8K Equity 32.77%
2) £1.6K Net savings after CCs 14/8/25
3) Mortgage neutral by 06/30 (AVC £25.3K + Lump Sums DB £4.6K + (25% of SIPP 1.2K) = 31.1/£127.5K target 24.4% 15/8/25
4) FI Age 60 income target £16.5/30K 55.1%
5) SIPP £4.8K updated 29/7/250 -
Hi Savingholmes,
I think your weight loss plan is very balanced and I know you will achieve it. Thanks for the tip-off on the way SW set their targets!
The reason that I am going is that I have a friend who has lost 5 stone, in the last couple of years, following their plan and she doesn't starve herself and just walks for exercise. She eats more than me and very healthily (shared lots of great recipes) and is a SW zealot, who has made quite a few disciples lol! I am still sceptical but have attended my first meeting, which was how I imagine an AA meeting would work.
I have always wanted to do a walk like the Camino de Santiago, or the West Highland Way and go on an art retreat. August is probably not the best time for these walks, but I could walk the coastline, near where I live and come home each night (very MSE)….. food for thought and there is a local art retreat which I could support. :T. There is also a local earthship, hippy dippy project that I could volunteer to help out on for a week in August, which I would really enjoy.
I slept really well, last night and only did 609 steps the whole day, so a real duvet 24 hours, but I feel a lot has been accomplished in my head space.0 -
I love the comparison to an AA meeting not that I've been to the latter. SW works really well if you stick to the rules. The problem is I am by nature a rebel so never stick fully to any rules - and then when I fall off the wagon - tend to fall off big style. I still use SW as a base for my main meals. My bigger issue is the food I eat between meals - if I knocked that on the head I'd be sorted.Achieve FIRE/Mortgage Neutrality in 2030
1) MFW Nov 21 £202K now £174.8K Equity 32.77%
2) £1.6K Net savings after CCs 14/8/25
3) Mortgage neutral by 06/30 (AVC £25.3K + Lump Sums DB £4.6K + (25% of SIPP 1.2K) = 31.1/£127.5K target 24.4% 15/8/25
4) FI Age 60 income target £16.5/30K 55.1%
5) SIPP £4.8K updated 29/7/250 -
Glad you slept well.
Your plans for August sound amazing. I'd love to do the Camino de Santiago myself
SW works well for some people and any diet will work if you commit. It sounds as if you've somewhere beautiful where walking will be joyful.If you have built castles in the air, your work should not be lost; that is where they should be. Now put the foundations under them
Emergency fund 100/1000
Buffer fund 0/100
Debt Free (again) 25/0720250
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