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Battling Debt and Mental Illness — and (hopefully) Winning!
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I think you really should print your post and use it to remind you when things aren't feeling good - it's well written and completely true.Not giving up
Working hard to pay off my debt
Time to take back control
https://forums.moneysavingexpert.com/discussion/6290156/crazy-cat-lady-chapter-5-trying-to-recover-from-the-pandemic/p1?new=10 -
Thanks, guys
So... the half marathon. It was pouring down, which was a bit of a shock when we spent all summer trying to train around ridiculously hot days. Apatt from not being used to feeding cold and wet, we haven't had to negotiate puddles (including loads of very deep ones) or slippery leaves. Then, when I was wiping rain off my glasses before the start, the arm snapped off. My eyesight is terrible, so it left me effectively blind and I had to rely on my mum to guide me. She wasn't brilliant-- I nearly ran into a metal bollard!
But we kept going and finished in 2:59:51, smashing our 3 hour target by... 9 seconds! :j
I'm feeling pretty proud of myself (and very achy). I managed to tick off another goal for the year and reminded myself of how much I enjoy running. Before this year, I was mainly a treadmill runner with occasional outdoor runs, but this has been reversed. Though the treadmill may come into favour more often if the weather is cold and wetIt didn't go as planned, but we ran the first 6.5 miles without walking, which was unexpected, and while I wish I was lighter by now, I'm glad I shifted nearly 5 stone before the race.
My next body/fitness goals are strength-based: I turn 35 next May and would love to celebrate by doing 5 pullups (though 10 would be amazing), a handstand (preferably freestanding) and the splits (any which way, but would love to be able to do both legs forward and straddle). It would be so cool to be able to do all of that! I set the bar a little high with my last 2 birthdays (Machu Picchu and skydive), but these are, likewise, goals which I doubt my ability to achieve. Plus they cost nothing, so won't get in the way of my financial goals
I'm giving myself a rest from diet and exercise, apart from dog walking (which was rather slow today), until tomorrow. Then I will get to work on ending this year in the best shape I can.Rainy day fund — 210/1000 Emergency fund — 1019/1500
Loan — 424/19,224 = 2.2% Fun fund: 1/100 Credit card balance — 00 -
Well done on completing the half marathon especially half blind :rotfl:
Loving your next body/fitness goals, I'm also 35 next May and you've inspired me to think about what I want to achieve by thenMortgage 26.4.25 - £108,500 1.8.25 - £106,362.86
Mortgage overpayment savings - £3.33/£50
Mortgage overpayments so far - £675.980 -
Congratulations! Hope you're enjoying a very well deserved rest todayNot giving up
Working hard to pay off my debt
Time to take back control
https://forums.moneysavingexpert.com/discussion/6290156/crazy-cat-lady-chapter-5-trying-to-recover-from-the-pandemic/p1?new=10 -
Amazing job! Pity about your Mum not being a great guide runner. The weather was awful wasn't it, I got so cold waiting for the start in London, it was a wave start event so seemed to take eons to get started (was about 30 minutes from the first people crossing the start to my wave starting). Thankfully for me it dried up after the first mile or so, then drizzled on and off for about 6 miles before turning torrential again at about 10 miles (I just remember thinking why couldnt it wait another 30 mins so it would have given me a boost to get finished quicker!). Mine was a couple of minutes slower than last year but felt so much harder thanks to the weather - my last was in November so cold but it wasn't freezing and dry. Hardly moved today, far too tired as although I didn't drink much I was up later than I planned on Saturday at the Oktoberfest, plus getting out of the flat means stairs and frankly I refused to go down stairs until tomorrow! :rotfl:It’s not worth doing something unless someone, somewhere, would much rather you weren’t doing it.
Sir Terry Pratchett
Find my diary here
http://forums.moneysavingexpert.com/showthread.php?t=5135113
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Thanks everyone
I'm aching less today, thank goodness!
Congratulations scuba -- especially after Oktoberfest the night before :rotfl:
I'm not planning on running another half marathon any time soon, but would like to keep running and improve my speed over 1-7 miles. For now, I just want to run because I quite like being able to and it helps my mental health.
"Accidentally" spent £80 on Amazon today and yesterday, though it's all connected to my fitness goals... My scales are on their last legs, so I ordered a new set. They claim to measure body fat, muscle mass and a bunch of other things, which would be handy to track (yes, I know they're not 100% accurate, but should give me a little more indication of my progress, especially as I focus more on strength/resistance exercise). Also getting resistance bands to help me do assisted pullups, push up bars to help me progress with various calisthentics exercises and a book to help me stay motivated. Do I strictly need any of it? Nope, but everything will help me towards my fitness goals.
Completing the race has highlighted how important my health and fitness goals are to me. I'm glad I can do things which would have seemed impossible at my highest weight and the worst points of my mental illness, but I want to be able to do more. I want to feel really fit and strong. It helps me to feel mentally fitter and stronger.
So maybe I'm making excuses, saying spending money on new clothes and stuff related to exercise is an investment, but I genuinely believe it. I'm also saving over £500 a year not having Pepsi Max every day and goodness knows how much on buying less junk food, so it counterbalances (if not outweighs) the extra expenses associated with getting slimmer and fitter.
Perhaps it's not very mse to say so, but I will be happy to continue as I am, money-wise: repaying recent spending, putting a little back into savings (ideally getting back to pre-Arvon amount of £600 in rdf) and taking a little off the loan now and then. That will mean ending the year in a better financial situation than when it began, which is more than I have managed for years. Of course, financial goals will be a priority in 2019, when I won't be dropping so many dress sizes (I assume I will be a 10 at my goal weight and doubt I can/will want to be any smaller) and won't be spending anything on skydives or Arvon coursesRainy day fund — 210/1000 Emergency fund — 1019/1500
Loan — 424/19,224 = 2.2% Fun fund: 1/100 Credit card balance — 00 -
Paid rent plus £71 of recent spending to my mum today. Still owe £220.50 from recent spending, because she didn't work out how much I owed her for over a month and my dog had new food, which we buy in bulk. £150 of that is the super big clothing spend in Tesco a few weeks ago, nearly a third of which was the anorak.
My spending continued last night, when I realised only one of my current sports bras actually supports me while running or doing gym classes. I ordered two for £32 and hope they will be effective -- they're high impact, so should be fine. I was reluctant to bite the bullet anc get new sports bras, because I will probably (hopefully) need smaller ones after 3/4 months, but I realised it's ridiculous to scrimp on something which affects my exercise and comfort during workouts to such a high degree. Even replacing my size 18 t-shirts with size 14 made a huge difference, which I didn't expect, because they stay in place better during exercises and actually help me move better.
I'm feeling a little flat this week. It might be partly physical exhaustion from the half marathon, but I think it's more mental: having achieved a goal which has been one of my priorities for so long is fulfilling, but I also tend to feel a bit "so what?" It's hard to explain, because I am proud of myself and I have plenty of other goals to turn my attention to, but there's a bit of a slump.Rainy day fund — 210/1000 Emergency fund — 1019/1500
Loan — 424/19,224 = 2.2% Fun fund: 1/100 Credit card balance — 00 -
Well done on the run and on the slow and steady weight loss. Your fitness is hard earned and to be commended. It's common to feel a bit deflated after achieving a goal.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 -
I've felt the same, like you say we've achieved a goal and are going to be physically and mentally more tired than we expected - I've had a tough week at work which hasn't helped and I've ended up being in a foul mood which I've had to work hard not to take out on my team!
For now I think we need small targets and baby steps until we're fully recovered - I know its not quite the same since he races events but the OH says you need as many days recovery after a run as there were miles in the run!It’s not worth doing something unless someone, somewhere, would much rather you weren’t doing it.
Sir Terry Pratchett
Find my diary here
http://forums.moneysavingexpert.com/showthread.php?t=5135113
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Thanks, guys
I feel a little better this week, but my mood usually dips in winter and I'm dreading feeling worse after the clocks change.
Paid rent plus £70.50 of recent spending to my mum today. Still owe £150.
Paid £18.93 off cc to bring it down to a round £220.
I bought a Fitbit at the end of last week, hence the cc balance. However, I didn't buy the most recent or expensive modelIt's already helping me, because I trust it more than online TDEE calculators -- I exercise quite a bit, but most of my day is very sedentary, so I have no idea what activity level I should choose. It's especially important atm, because I'm experimenting with a lower calorie deficit (ie eating more) and don't want to vastly under- or over-estimate how much energy I use.
It should also help me with my mental health, because it tracks my sleep (turns out I'm getting a decent amount atm: 7 hours the past 2 nights and 8 on Saturday!) and has a "relax" feature which guides you through slow breathing for 2 or 5 minutes. I used it last night, when I had a bad bout of gastritis for the first time in ages, to keep calm through the pain. It worked very well.
I'm also using hourly reminders to get up and move around, which will hopefully help me physically and mentally. Most of my day is spent sitting: writing, studying, reading, watching tv, etc. so it's easy to not move for a few hours at a time. I know I spent £127 I didn't strictly *need* to, but I think it's already helping me feel better and will be well worth the cost.Rainy day fund — 210/1000 Emergency fund — 1019/1500
Loan — 424/19,224 = 2.2% Fun fund: 1/100 Credit card balance — 00
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