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2020++ - smiling and waving and looking so fine

edited 30 November -1 at 12:00AM in Debt Free Diaries
503 replies 23.2K views
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  • mark55manmark55man Forumite
    5.9K posts
    Part of the Furniture 1,000 Posts Name Dropper
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    Thanks SSDD & Dan

    I have no idea what the future truly holds, but I know if I hold steady and don't do anything stupid I should be able to sustain the progress. My 2020 targets are probably the most ambitious

    I believe in a law of constant pain - you either do a lot of pain in a short amount of time or a small amount of pain over the long term. I am going for Plan A (A for aaargghhhh) - what doesn't kill you makes you stronger
    I think I saw you in an ice-cream parlour/Drinking milk shakes cold & long/Smiling & waving & looking so fine
    Weight 17/01/2021:95.5kg - YTD: -1kg, Trips to tip: 02/52 - Rooms Painted: 0/4 - Steps >5000: 2/300
    Debt 01/01/2021:-£107.5K - YTD (17/01): [email protected]%:{PDBX21 #26} £550/£12299 - {MFW21 #57} OP Pot: £2.7K/£102K
    Decrease in Total Debt 2016:£13.4K 2017:£8.3K 2018:£20K 2019:£16K 2020:£37.5K 2021 (Repaid YTD): £1.8K
  • EchoBEchoB Forumite
    124 posts
    100 Posts First Anniversary Name Dropper
    Good luck with your goals, think I should adopt some myself.
  • Good Luck Mark, love a shiny new diary and some great goals to aim for too.
    Wobbling my way out of debt one month at a time

    Credit Card £441/£3,161 0% interest
    Loan £0/£23,179 5.4% PAID IN FULL 31/08/20
    Total £441/£26,340 98.33% PAID

    wobbling-my-way-out-of-debt

  • Loving the 5 year format and a really solid set of goals there. I'm a bit rubbish at looking at the long term; at 41, being mortgage free and retiring seems so far away as to be beyond control, but of course, that's not the case at all.
    Looking forward to seeing how you get on with 2020, I'm sure you'll attain anything you set your mind to :-)
    Debt Dec '18 £45393. Debt free June 2020
    New savings goals: House renovations £0/£15000, FFEF £0/£15000
    Mortgage June 2020: £340K, aim to OP £100 per month minimum.
  • Best of luck with the new diary, Loving the 5 year goals :)
    Pay all your debt off by Xmas 2021 #5 £178.81 / £5649.49
  • jwiljwil Forumite
    12.8K posts
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
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    Love the goals, good luck with them :)
    "If you can dream it, you can do it". Walt Disney
  • db2016db2016 Forumite
    335 posts
    Fourth Anniversary 100 Posts Name Dropper
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    as usual when i post on diaries, i cant help or comment on it all but where a point perks me i post.

    re the weight goals, i know it may be a struggle given a house of 5 etc, and also your ethical goals.

    but in 2018 i was around the same start weight as you, and by the end i was your end weight.
    i have put some back on but only a couple kgs.

    i used keto, the whole, no carb thing (not atkins), it switches from burning sugars (glucose from carbs) to using fat (especially stored) as a fuel, and given it cuts out the glucose cycle a lot of t2 diabetes reports / studies show that it can reverse it! it does sound counter-intuitive given you eat a high fat diet, but because this is the fuel as i mention, it doesnt stay in your system.
    and the whole fat is bad isnt correct - to put it in a MSE martin sentance - when he says not all debt is bad only bad debt is - fats arent bad, only bad fats are.

    anyway just a thought, i have tried to give enough detail without selling it - theres plenty of yt videos etc. and for me, a year of doing it (well actually more like 9-10 months) and it was the kick to shift the bulk and then now im down to the management of the new me, aka eating better. i did it all diet alone due to a disability keeping me inactive.



    good luck with the other goals. and ive subb'ed from the old one.
  • mark55manmark55man Forumite
    5.9K posts
    Part of the Furniture 1,000 Posts Name Dropper
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    Thank you db - well done on your loss - I will be cutting carbs - but I do have cholesterol issues, although not terrible so I am bit worried about too much fat - was thinking more plant based -salads, coleslaw eg for lunch and sticking with oats/plant milk for breakfast.
    I think I saw you in an ice-cream parlour/Drinking milk shakes cold & long/Smiling & waving & looking so fine
    Weight 17/01/2021:95.5kg - YTD: -1kg, Trips to tip: 02/52 - Rooms Painted: 0/4 - Steps >5000: 2/300
    Debt 01/01/2021:-£107.5K - YTD (17/01): [email protected]%:{PDBX21 #26} £550/£12299 - {MFW21 #57} OP Pot: £2.7K/£102K
    Decrease in Total Debt 2016:£13.4K 2017:£8.3K 2018:£20K 2019:£16K 2020:£37.5K 2021 (Repaid YTD): £1.8K
  • doingitanywaydoingitanyway Forumite
    6.3K posts
    Ninth Anniversary 1,000 Posts Name Dropper Mortgage-free Glee!
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    Happy New Year.
    I am going more plant based this year too. I have lottos weight to lose and think it might help save me and the planet at the same time :)
    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.
  • in_need_of_directionin_need_of_direction Forumite
    6.6K posts
    Seventh Anniversary 1,000 Posts
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    My blood sugar levels tend to improve when I switch to porridge sweetened with grated apple and cinnamon for breakfast. I do make it with cows milk. It’s a relatively small thing but moves things in a plant based direction
    Mortgage at 01.01.14 £119,481.83:eek: today £59614.29 Offset fund today 1541.16 target £2000 by 31/12/20
    Emergency fund £5.5/5.5k & £200/200 cash.:j
    Weight 24/02/19 14st 7lb now 13st 2lb
    determined to stop defining myself by my mistakes.
    Progress not perfection.:T
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