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New plan...time to see some movement!

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  • Glad they've accepted your offer, it will be great to be in the teens :).
    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 MONTHS
  • jwil
    jwil Posts: 21,949 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Well done on the offer being accepted. And an interesting article on textiles. Its suprising how much effect different things have on carbon emissions. A few weeks ago i would have thought transport and industry were the main culprits but its most other things that me as an average person isnt aware of.

    Thank you :) I know what you mean, I always knew textiles were 'bad' in the bin, and that they were energy intensive, but I didn't realise quite how significant it was :(
    Glad they've accepted your offer, it will be great to be in the teens :).

    Thank you :)
    "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 McGee
  • jwil
    jwil Posts: 21,949 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    I seem to be doing a lot of introspection at the moment, and looking at all the different ways I can improve my lifestyle etc. I'm sorry if all my posts are boring, but it's nice for me to jot them down where I can go back to them, and note what I've learned!

    I've always been a bit of a 'grazer' with food, pretty much constantly picking at stuff. I was thinking at the weekend, and thought maybe I could improve my weightloss by stopping this and trying to go with 3 meals and 2 small snacks a day. I was a bit concerned that I was still eating too much, even though I'm mostly losing weight and it was mainly fruit and veg.

    So yesterday and today, I've experimented with having bigger meals and making a concerted effort not to graze between them, just have a snack at an allocated time. So far it's working well. Who knows whether it will impact on my weightloss or not, but I think it will do me good, and hopefully mean I can gradually start to eat less overall as I start to look at portion size.
    "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 McGee
  • I hope the two snack meal works for you :).
    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 MONTHS
  • jwil
    jwil Posts: 21,949 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    I hope the two snack meal works for you :).

    Thank you. So far so good! I didn't want to snack yesterday evening either which is unusual.
    "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 McGee
  • jwil
    jwil Posts: 21,949 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Happy Payday :T Everything has been paid :)

    I have a small pay rise and expenses too so this months wages looked nice :D

    Dilemma - I have enough to pay the F&F this month. It will be a tight month if I do, but I think I could manage, and then next month will be back to normal.

    I really want to do it, but know it's probably not the sensible thing to do. What to do? :think:
    "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 McGee
  • Could you not pay half and squirrel half away to avoid pressures and increase earning time?
    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.
  • doingitanyway
    doingitanyway Posts: 9,955 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Mortgage-free Glee!
    I would pay it and get back to normal asap. The buzz of paying it off would probably see me through the month, but that's just me and my approach to everything really. Whatever you do it will be fine :)
    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) 25/072025
  • If you think that you will be able to manage the month then I would go for it, if you're unsure, then I'd do nothing.

    Yay to the payrise too :D

    Have a great day xx
  • jwil
    jwil Posts: 21,949 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Could you not pay half and squirrel half away to avoid pressures and increase earning time?

    That's probably the sensible thing to do. :)
    I would pay it and get back to normal asap. The buzz of paying it off would probably see me through the month, but that's just me and my approach to everything really. Whatever you do it will be fine :)

    This is me too :D
    If you think that you will be able to manage the month then I would go for it, if you're unsure, then I'd do nothing.

    Yay to the payrise too :D

    Have a great day xx

    Thank you. I want to do it!
    "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 McGee
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