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A whole new world, for now
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Also hope you enjoyed takeaway breakfast today
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Finally Debt Free After 34 Years, But Still Need to Live Frugally
Debt in July 2017 = £58,766 😱 DEBT FREE 31 OCTOBER 2017 :T 🎉
EMERGENCY FUND 1 = £50/£5,000. EMERGENCY FUND 2 = £10/£5,000.
CHRISTMAS SAVINGS = £0/£500. SEF = £1,400/£12,000 PREMIUM BONDS ME = £350. PREMIUM BONDS DH = £300.
HOLIDAY MONEY = £0 TIME LEFT TO PAY OFF MORTGAGE = 5 YEARS 1 MONTHS1 -
So, DH has just gone to set up my conversation with mr wii. I don't think it'll be good but even though my clothes are saying so, I need to see it on the screen. I will report backMortgage 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.1
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Well, as I thought. Up 3 lbs. too much junk and zero exercise will do it. I'm also 0.04 over a new BMI number. Target for next week is to lose that hopefully via a 2lb weight loss. If I manage that every week between now and ny, I would start 2019 in a different stone. That said, breakfast today is courtesy of yesterday's market. Bacon potato bread and bacon pancake.
Yesterday, I got the flowers but parked a distance away that saved about 50p and required a smallish walk. I lodged a business cheque and picked up a late breakfast as planned but also got one for my mum. She is not making it any easier to engage.
Shopping was done at lidl for the £1.50 fish based soups that DH will have for lunch. I also got a reduced loaf that has been sub divided and frozen as it will primarily be used for toast.
Went to the client for 2 hours in the end and then to sainsbugs as I needed to make a purchase to get free nectar points added to my card. Got home for dinner and casualty. I have realised that I would sooner have fewer baked beans than eat the reduced sugar ones!
All in all, quite a spendy day and still haven't managed to source dh's dark choc orange.
Today I am doing bits and pieces of cooking / food prep. I am also invoicing, there are 5 to go. I am making a work list for this week. I am clearing up the ironing. I would love to get some clearing up in the garden but think that's unlikely. At one o'clock,I have to be guinea pig for a friend's reflexology course so that'll be my rest time.
Today I am grateful for
The weight light bulb moment
Making two people happy by the one act
A message getting heardMortgage 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.1 -
in_need_of_direction wrote: »That said, breakfast today is courtesy of yesterday's market. Bacon potato bread and bacon pancake.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 800/1000
Buffer fund 0/100
Debt Free (again) 25/0720251 -
I hear you on the weight inod! I've been existing on far too many takeaways this last week - am afraid to get on the scales!:eek:
Sorry that your mum has been difficult again. You're a wonderful daughter and it's a shame she doesn't appreciAte this.
Hope you have a positive work week.Finally Debt Free! - July 2016 🌟
Finished Emergency Fund- £10,000 April 2017
🌟
RETIRED: MAY 2021!!!!😀🎆
My diary: “Seasidegal's Scrimpy Retirement Diary!”1 -
Ssg, I'm afraid to not get on the scales. A bad number will sometimes shock me into doing something.
Yesterday, I had my reflexology which was good. I then went to bandm to source a cereal advent calendar for DS. It had been reduced by £2 which was good. I also got various bits and pieces for DH' present, mum's present and stocking stuffers for the parasites. I needed some mild, for me, cheddar so nipped into the on site tesco as traffic was a nightmare and I couldn't face moving the car to shop elsewhere. I boycotted this tesco 2 years ago because of poor signage and a stinking management attitude when I queried what I believed was an overcharge. I picked up what I though was on offer cheese and, only after paying, discovered the same brand block I'd picked up fell into a different size category so wasn't included in the offer. I'd have complained but what would be the point! I did also get a reduced price white loaf, the dark choc orange, a reduced treat that will be dh's dinner this evening and a few other bits and pieces.
Upon return home, I made veg soup with bottom of the fridge ingredients. I also made an apple tart that turned out okish. It's possibly the first I have attempted in 25 years so go me. It was using super 6 apples from the offer 2 weeks ago. I also started prep of the cheesy roll ups needed for over Christmas. I managed to get 5 done so there's still a fair way to go this evening. These are no longer part of Christmas dinner but are eaten with soup or chutney over the Christmas period so complaints would be forthcoming if they weren't available.
I had a bowl of soup pre dinner and halved what I had intended to eat while upping the veg in take. I'm going back to the crowding out approach of healthier eating. You don't deny yourself anything but you up the good for you stuff to make less room for the junk! So, I will bring extra fruit to the nightmare and have a pre dinner bowl of soup.
Last night I finally cracked out 3 invoices. I did have to redo 2 as I realised I'd cut the bank account details off! Still, they are done!
Today I am going to the nightmare but have very specific tasks. I also need a catch up with some other clients. Poor DH has been working like a Trojan on a big job that needs a bit of attention from me today and tomorrow.
Today I am grateful for
Price reductions on purchases that we had committed to
Feeling like Indiana jones in the old Terry's ad. The dark choc treasure has been found!
A win win helping a friend outMortgage 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.1 -
Congrats on finding the chocolate orange!"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 McGee1
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Sounds like a good approach to the eating - fill up on the good stuff and just a few of the naughties:pJanuary spends - £587.581
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Have a good weekI 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.1 -
:T for the dark chocolate orange. Your technique of crowding out the bad food with good food sounds like it should work.Finally Debt Free After 34 Years, But Still Need to Live Frugally
Debt in July 2017 = £58,766 😱 DEBT FREE 31 OCTOBER 2017 :T 🎉
EMERGENCY FUND 1 = £50/£5,000. EMERGENCY FUND 2 = £10/£5,000.
CHRISTMAS SAVINGS = £0/£500. SEF = £1,400/£12,000 PREMIUM BONDS ME = £350. PREMIUM BONDS DH = £300.
HOLIDAY MONEY = £0 TIME LEFT TO PAY OFF MORTGAGE = 5 YEARS 1 MONTHS1
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