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2020++ - smiling and waving and looking so fine

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  • alt80
    alt80 Posts: 4,642 Forumite
    1,000 Posts Fourth Anniversary Name Dropper
    All looking good mate. 

    Hows the weight still maintaining? If I recall correctly you've lost a lot of weight - how much total? 

    To my mind much better to clear the card and play the 0% game - buys you time but appreciate you might not need to.
  • mark55man
    mark55man Posts: 8,215 Forumite
    Part of the Furniture 1,000 Posts Name Dropper
    I lost about 30 kilos since start of 2020, the last 6 months have been a bit up and down but now about 3kilos up  since January

    CC3 is 0% but on spending (till 2022) now got about £4K left - with about £3.5K saved by the end of this month.  So if I find some magic money from somewhere I might be able to do it, but if not then it will probably be September.

    I think I saw you in an ice cream parlour
    Drinking milk shakes, cold and long
    Smiling and waving and looking so fine
  • alt80
    alt80 Posts: 4,642 Forumite
    1,000 Posts Fourth Anniversary Name Dropper
    That's epic mate well done. Sounds like you just need to know what your maintenance calories are and go with it - if you track properly for a couple of months you'll have a good idea of what you can eat in a day to stay at the same weight given a certain amount of activity. Baseline calcs will give you a good idea but don't over estimate your activity levels - lot of people do and sets you up for failure. 

    Situation with CC3 makes more sense now.
  • savingholmes
    savingholmes Posts: 28,971 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Well done on the steps. I managed a record for this year and hit over 10,000 steps yesterday. See you're a good influence. Mine was due to going shopping though LOL and parking at a free car park being proper MSE... and having to walk part way into town
    Achieve FIRE/Mortgage Neutrality in 2030
    1) MFW Nov 21 £202K now £174.8K Equity 32.77%
    2) £2.6K Net savings after CCs 6/7/25
    3) Mortgage neutral by 06/30 (AVC £24.3K + Lump Sums DB £4.6K + (25% of SIPP 1.2K) = 30.1/£127.5K target 23.6% 29/7/25
    4) FI Age 60 income target £16.5/30K 55.1%
    5) SIPP £4.8K updated 29/7/25
  • mark55man
    mark55man Posts: 8,215 Forumite
    Part of the Furniture 1,000 Posts Name Dropper
    @savingholmes lol + very well done - I agree the best way to get to 10000 is to do 1000 steps 10 times during the day, rather than 10000 once. or more generally just keep busy all day and finish off later if you need a top up



    I think I saw you in an ice cream parlour
    Drinking milk shakes, cold and long
    Smiling and waving and looking so fine
  • alt80
    alt80 Posts: 4,642 Forumite
    1,000 Posts Fourth Anniversary Name Dropper
    Interval training will definitely serve you well for building speed. You have inspired me to take a look at my health app on my phone - av just over 12k steps per day this week not very consistent though either lots of steps or next to none - I like you're challenge and going to set myself an informal one of 10k/d over the next week and get into the gym at least three times too. 

    I assume your daughter started a job over Covid lockdown - been a nightmare for the young kids wanting to train in industry. I've just taken a graduate but none last year.

    Will keep that one in mind re can have too much spreadsheet in your life haha.
  • alt80
    alt80 Posts: 4,642 Forumite
    1,000 Posts Fourth Anniversary Name Dropper
    Thanks mate. I agree with you - this lad had been doing a bit of work exp but been !!!!!! hard for any young grads this year and I feel for them tbh, that age I know I just wanted to get on. Have another student I've agreed to mentor and had a few come up through the ranks. Enjoy it tbh, amazing reward when one goes from new grad to gaining confidence and their professional quals, get a real sense of achievement from that, I might be a !!!!!! but I'm not an entire !!!!!!. 

    You're right it'll be broadly similar. My Mrs knows a lot more about it than I do tbf.

    Not going to get hung up on the daily target but just something to watch for, remind myself to take a little walk every couple of hours won't be bad, I like 10 mins out here and there. 
  • mark55man
    mark55man Posts: 8,215 Forumite
    Part of the Furniture 1,000 Posts Name Dropper
    Ten minutes every couple of hours and a medium walk at some point will get you most of the way there

    I walked to town the long way round to pick up some pastries for our Sunday coffee in the garden, only to discover they were YS to half price.  I nearly bought 2 packs, but we are trying to do another full on attempt at the diet to slim down for XMAS.

    Will be heading to the tip this afternoon - got most of the rubbish outside already, just need to get the last few things for a full car. Rest of the day doing online admin and chilling a bit, as next week will be hard work  

    So I am now 19/22 for 10K Steps in August, 28 day average 11,200 (includes some days in July, but also a monster walk in London so average is about right)
    I think I saw you in an ice cream parlour
    Drinking milk shakes, cold and long
    Smiling and waving and looking so fine
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