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Prosperous soul in the making
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savingholmes said:I woke early but stayed in bed and my pain level is fine this morning. Another beautiful day here. So my plan is to start work in a moment - do a couple of hours - have a proper break at lunchtime and do a bit in the garden so I keep moving around and then come back and finish off my work. Despite eating more yesterday - I maintained my weight loss so have lost 7lb in 2 weeks. It would have been more if the banana loaf hadn't eroded my weightloss by 1.4lb. I am still tempted to make it again though. W have some bananas currently maturing. DS has stevia which would lower cals and I could put in less walnuts - so may give that a go.
Total (Aug 19):€58,567 Now:€26,947
DFD:Nov 22/June 22
Mortgage: €199,712
MFD: March 2042/July 20343 -
Hi CMD - I think with this crisis I finally work up to why medics call it 'morbidly obese'. My weight and DH's diabetes and weight put us both in high risk categories so the only way I can reduce our risk other than what we are already doing in working from home and going out as little as practical - is to lose weight. I set a goal at the start of the year to lose at least a stone anyway so halfway to that goal feels good. I then plan to up my target half a stone at a time until I get to my ideal weight (a long way to go).
Well today my pain levels have been much better due to having an hour and half lunch break to split up my working day more. I even showered and dressed and everything - although a little too late for the guy who came to estimate the cost of doing the drive and patio. Oh well.... he got to see my mismatched pjs in all their glory. DH did a load more work weeding and cutting down some kind of evergreen fir type tree with spiky leaves. It has now gone so we can see to the back of the garden which is nice. We have now found the electric wire for the old pond. We now need to measure the pond to see what size of new liner we need and potentially order that and some piping and then hopefully we can get the water feature working again which would be nice. We used to have fish in the pond but they disappeared years ago when we had a particularly hot summer. We are hoping it will make the garden more of a wildlife area - although if we are veg growing - hoping we don't regret that.
DS had just made us meatballs for tea - so ta ra for now.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 29/7/255 -
Wow, you have been very busy. Liking the sound of a wildlife pond. Weightloss is also awesome. Keep going.
L
Total Debt Dec 07 £59875.83 Overdrafts £2900,New Debt Figure ZERO !!!!!!:j 08/06/2013
Lucielle's Daring Debt Free Journey
DFD Before we Die!!!! Long Haul Supporter #1242 -
You are making great strides with the garden, sounds amazing. Well done on the weight loss. Having consumed quite a bit of Easter chocolate,I’ve been trying to make more of a conscious effort to reduce the amount of sugar consumed this week.paydbx2025 #26 £890/£5000 . Mortgage start £148k June 23 - now £138k.
2025 savings challenge £0/£2000 EF £140. Savings 2 £30.00. 172 -
Thanks Lucielle and HSL. All the work DH and I have been doing has really opened up the garden and made it feel a lot bigger. The bean and potatoes have germinated so far. Now need to earth up the potatoes and potentially transfer them to a different container as I didn't think that bit through! DH has just asked me to go for a walk in the sunshine with him and pooch so will write more laterAchieve 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 29/7/253 -
Well done on the weightloss! All that work you are doing on the garden must be really paying off, I bet it looks amazing."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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Brilliant weight loss. Imagine carrying a 7lb sack of potatoes with you all the time ....that's a significant amount to not carry any more.3
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You are doing so well with your diet and weight loss, all the movement / pottering around is good exercise too.
Your garden is going to be wonderful and it's great hearing your plans for it. Think of it as the trial run for your longer plans.Mortgage started 2020, aiming to clear 31/12/2029.3 -
Wow - well done
Lockdown isn't all bad newsI think I saw you in an ice cream parlour
Drinking milk shakes, cold and long
Smiling and waving and looking so fine1 -
Thanks Jwil, Blackcats and MF
Yes the garden seems a lot bigger as the large tree and small tree we cut down were planted by the previous occupants probably 15-20 years ago. They planted them halfway across the garden (which isn't as deep as it sounds) and they were just causing too much shade and blocking the view. Once lockdown is over / autumn - I would ideally like to get some other trees in our garden cut back -as they are too tall and again causing a lot of shade which they didn't when they were smaller. Need to weigh that up against lost privacy though.
DH is now assembling the metal shed he wants to put towards the back fence to put the bikes in. Our shed is so over-full it's hard to get anything. (Common theme maybe?). We even have plastic crates of books in there! We are hoping if we can reduce the stuff in there DS, DH and DD can have a go at doing woodworking with our non-existent wood - sure someone will deliver.
It's another gorgeous day outside. I hope to plant some beetroot seeds next. DH like beetroots - and you can eat the leaves which is the bit that appeals to me. I think I have been guilty of sowing too many seeds of one type at once - but hey that's how you learn right? My outdoor seeds haven't germinated yet - only the indoor ones and I'm impatient. They are still within normal range... Right - off to enjoy the great outdoors aka the garden! Have a good day all.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 29/7/253
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