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Paid off the £31,000! BUT - still scrimping!

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Comments

  • Elnora32
    Elnora32 Posts: 172 Forumite
    Excellent progress with your plan. I used to struggle with drinking water - it does get easier and the trips to the bathroom less frequent!
  • Seasidegal58
    Seasidegal58 Posts: 6,017 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Photogenic
    Well done on sticking to your eating plan SSG. I hope you enjoy your weekend and three days off :).
    Elnora32 wrote: »
    Excellent progress with your plan. I used to struggle with drinking water - it does get easier and the trips to the bathroom less frequent!

    Thank you Hairy and Elnora!:hello:

    Looking forward to the infrequent loo trips!:D
    x
    Finally Debt Free! - July 2016 🌟
    Finished Emergency Fund- £10,000 April 2017
    🌟
    RETIRED: MAY 2021!!!!😀🎆
    My diary: “Seasidegal's Scrimpy Retirement Diary!”
  • beanielou
    beanielou Posts: 95,664 Ambassador
    Part of the Furniture 10,000 Posts Academoney Grad Mortgage-free Glee!
    Thanks seaside girl.
    I am going to recommend YNAB to my DS's GF :)
    I am a Forum Ambassador and I support the Forum Team on Mortgage Free Wannabe & Local Money Saving Scotland & Disability Money Matters. If you need any help on those boards, do let me know.Please note that Ambassadors are not moderators. Any post you spot in breach of the Forum Rules should be reported via the report button , or by emailing forumteam@moneysavingexpert.com. All views are my own & not the official line of Money Saving Expert.

    Lou~ Debt free Wanabe No 55 DF 03/14.**Credit card debt free 30/06/10~** MFW. Finally mortgage free O2/ 2021****
    "A large income is the best recipe for happiness I ever heard of" Jane Austen in Mansfield Park.

    ***Fall down seven times,stand up eight*** ~~Japanese proverb.
    ***Keep plodding*** Out of debt, out of danger. ***Be the difference.***
    One debt remaining. Home improvement loan.
  • beanielou
    beanielou Posts: 95,664 Ambassador
    Part of the Furniture 10,000 Posts Academoney Grad Mortgage-free Glee!
    So how long til you retire now?
    I am a Forum Ambassador and I support the Forum Team on Mortgage Free Wannabe & Local Money Saving Scotland & Disability Money Matters. If you need any help on those boards, do let me know.Please note that Ambassadors are not moderators. Any post you spot in breach of the Forum Rules should be reported via the report button , or by emailing forumteam@moneysavingexpert.com. All views are my own & not the official line of Money Saving Expert.

    Lou~ Debt free Wanabe No 55 DF 03/14.**Credit card debt free 30/06/10~** MFW. Finally mortgage free O2/ 2021****
    "A large income is the best recipe for happiness I ever heard of" Jane Austen in Mansfield Park.

    ***Fall down seven times,stand up eight*** ~~Japanese proverb.
    ***Keep plodding*** Out of debt, out of danger. ***Be the difference.***
    One debt remaining. Home improvement loan.
  • Seasidegal58
    Seasidegal58 Posts: 6,017 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Photogenic
    I've got to update my signature tonight beanie but it will be 21 months - April 2021- which can't come quick enough!:D
    Finally Debt Free! - July 2016 🌟
    Finished Emergency Fund- £10,000 April 2017
    🌟
    RETIRED: MAY 2021!!!!😀🎆
    My diary: “Seasidegal's Scrimpy Retirement Diary!”
  • beanielou
    beanielou Posts: 95,664 Ambassador
    Part of the Furniture 10,000 Posts Academoney Grad Mortgage-free Glee!
    I've got to update my signature tonight beanie but it will be 21 months - April 2021- which can't come quick enough!:D

    The end is on the horizon :)
    I am a Forum Ambassador and I support the Forum Team on Mortgage Free Wannabe & Local Money Saving Scotland & Disability Money Matters. If you need any help on those boards, do let me know.Please note that Ambassadors are not moderators. Any post you spot in breach of the Forum Rules should be reported via the report button , or by emailing forumteam@moneysavingexpert.com. All views are my own & not the official line of Money Saving Expert.

    Lou~ Debt free Wanabe No 55 DF 03/14.**Credit card debt free 30/06/10~** MFW. Finally mortgage free O2/ 2021****
    "A large income is the best recipe for happiness I ever heard of" Jane Austen in Mansfield Park.

    ***Fall down seven times,stand up eight*** ~~Japanese proverb.
    ***Keep plodding*** Out of debt, out of danger. ***Be the difference.***
    One debt remaining. Home improvement loan.
  • Seasidegal58
    Seasidegal58 Posts: 6,017 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Photogenic
    Hopefully beanie - it seems to be taking forever if I look forward, but the months are actually moving very quickly - nearly the end of summer now and the mornings are getting darker when I wake up on work days. :(

    Day 7 of the Plan

    - Zero alcohol- OK

    - 1500 calories for five days, 500 calories for two days (to include 5 x fruit and veg and just one sweet treat on the 1500 days - - This was a 500 calorie day so the usual - egg wrap, etc.

    - Six glasses of water per day – did a little better by the time I left work - and my chilly water bottle arrived by late afternoon - it's lovely - white with a sketch in black of an octopus on it!:). Looking forward to using it.

    . - Step up the walking pace – all ok - did my work walks.

    - Go to bed at a reasonable hour – went to bed not long after 9pm - tired again - which resulted in waking up at 2am, then 4am which resulted in finally waking up at 10am this morning!:eek:

    - No money wasting. Balance YNAB daily– NSD - all ok!

    END OF SCRIMPY WEEK 4

    ......and this morning I had a very nice surprise of a 6lb weight loss on my first weigh in on the healthy eating plan!:j It is early days and I always lose a lot on my first dieting week, but an excellent psychological boost!

    Plus a decent Ad Hoc Saving this week - £37.44 over to Savings. :)

    Today I had a bit of a lazy day - popped out this morning for milk and kitchen roll and bought some bits for the food bank. Then did the house work but apart from that read diaries and watched some TV - this healthy eating has got me into watching documentaries on Amazon Prime about the global obesity problem and hence frightening the life out of me!:eek: I went for my walk early evening down by the seafront when it had cooled a little - walking app told me I did just over 40 mins! :)
    Finally Debt Free! - July 2016 🌟
    Finished Emergency Fund- £10,000 April 2017
    🌟
    RETIRED: MAY 2021!!!!😀🎆
    My diary: “Seasidegal's Scrimpy Retirement Diary!”
  • 21 months is nothing. Why not break it down into how many Monday mornings you have left. When you take off the Bank Holiday Mondays and the Mondays for each week of leave you will have, there will be very few more Mondays you have to get up.
    Well done on the healthy eating and weight loss.
  • Brilliant news on the weight loss
    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.
  • Skinnylatte
    Skinnylatte Posts: 1,244 Forumite
    Part of the Furniture 1,000 Posts Debt-free and Proud! Home Insurance Hacker!
    Well done on the weight loss, and sticking to that regime. High 5 on the adhoc savings too! :T

    I've tried YNAB several times, but I just don't get it, I don't think my brain works that way. But my bank transfer is now all complete, and I'm looking forward to my cash back rewards. Thank you SSG!!
    Pay off Car Loan £17,047 £10580 by Christmas 2022

    Mortgage 1 @ 23/03/2019 [STRIKE]£101297[/STRIKE]
    £84457 16.6% DI [STRIKE]£6.95[/STRIKE] £6.15
    Mortgage 2 @ 12/04/2015 [STRIKE]£136121[/STRIKE]
    £100,546 26.1
    % DI [STRIKE]£9.13[/STRIKE] £6.07
    1st LBM 02/06/2013 £[STRIKE]21595[/STRIKE] Debt Free Day 27/03/2015

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