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20/20 Vision (repaying a debt to my home and myself)
Comments
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Pity about the builder. I like my builder, but my tolerance for having him around is low... (and he actually asks me to look at stuff and gets me involved in decisions on how stuff should be done).
Well done on the eating. Travel/jet lag/exhaustion/hotel & conference food aren't helping me. Although jet lag and exhaustion have resulted in missing a few meals. Exercise isn't great although I've been moving a lot and been for early morning swims the last two days. I'm about to get up for a sunrise run with a colleague, followed by a swim, followed by packing as I have to get on a plane after work today and spent 24 hours or so getting home...0 -
Great news on the weight loss
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.0 -
Thanks everyone. I have a lot more weight to lose. I was going to switch to the blood sugar plan in the book in November, but I don't feel the need to be extreme as I am getting satisfactory results anyway. Tomorrow is the end of no sugar and sees the introduction of 85% dark chocolate and 2 glasses of wine once a week if I want them. So low sugar long term. Now I am under control I don't want to deny this or that long term. Now just to get the exercise going
The unexpected additional expense with the work the house has skewed my budget massively. I don’t want to touch my emergency fund as this isn’t actually an emergency. There is a little left in the house account but I will need that to pay the squirrel man.
My energy bills were very high so I am not using heating during the day (it comes on as soon as it is dark) and I will be buying a kettle for the hob as my electricity per unit is twice my gas and I am constantly using the kettle.
The only way I can see of working this out is to pay my big energy bill out of my day to day expenses. This leaves me with a fraction of my usual weekly spends allocation.
I am due £100 back into my account for work expenses but I need to buy a chair to work on with that money.
The bottom line is I have less than half of my weekly spends available for the next 3.2 weeks.
There are work drinks tomorrow at work that I will try and dodge. I will also try and do more NSDs.
Wishing you all good days 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) 25/0720250 -
Have you thought of a Breville(or whoever) hot cup?
After initial outlay energy & money saving.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.0 -
Thanks Beanie, I looked it up, but it is quite big and I don't have the space for a new gadget.Have you thought of a Breville(or whoever) hot cup?
After initial outlay energy & money saving.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) 25/0720250 -
Mine is no wider than my kettle.
I no longer use the kettle & it will be going to the foodbank.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.0 -
If you like your hot drinks HOT then i'd think twice about getting one. It was fine for me but was never hot enough for my husband as it isn't actually boiling water, just hot water.
Well, the one we had was like this.Sealed Pot Challenge 075
Pay off by Xmas 2019 #02 - target £10,0000 -
I had a teal one cup that wasn't too hot at all but now have a cooks professional one and love it.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.0
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I was going to list my spends for yesterday but to summarise I spent on fares, YS protein, a bar of 85% chocolate and I spent £4.50 on charity donations and £5 on a leaving gift. A total of £35 :eek: which is way too much as my budget is reduced this month due to the over-spend on house repairs.
On the positive side I did not buy any hot drinks and I took lunch to work and ate it in the office.
I did not spend anything at the leaving do last night. I had less than 1/8th of a glass of wine and 4 cashews. (I seem to be able to control myself better now)
I have a cold and feel a bit rough, but I am still going to do stuff today as I have the day off.
I am going to spend an hour gardening the front of the house, do some washing, make some soup and then go to have a coffee somewhere nice and take my decluttering to the CS. Then I will return my library books.
It is so nice to have a day to myself and although it is cold the sun is shining
Wishing you all a positive end to your weekIf 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) 25/0720250 -
Have a lovely day off DIA. Cold but bright here tooMy mortgage free diary: +++ Divide by Cucumber Error. Please reinstall universe and reboot+++
GNU Mr Redo0
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