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2020++ - smiling and waving and looking so fine

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  • doingitanyway
    doingitanyway Posts: 9,985 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Mortgage-free Glee!
    Are you finding the gym? Do you work with a trainer?
    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
  • mark55man
    mark55man Posts: 8,215 Forumite
    Part of the Furniture 1,000 Posts Name Dropper
    Hi DIA - no I don't work with a trainer.  Although my DS does, with great success, and he is going to pass on some wisdom when he joins me in the gym.  I'm not very good at being told what to do, and my life has too many elements of randomness to commit to that sort of thing.
    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
    edited 28 August 2021 at 11:46PM
    re CC3 is the 0% running out? If it is get it clear asap if not no need to worry about it mate especially as you've the cash to clear it.
  • mark55man
    mark55man Posts: 8,215 Forumite
    Part of the Furniture 1,000 Posts Name Dropper
    you're right mate.  I'm overthinking it - 0% goes into 2022 so no hurry.  I took out the CC3  0% card to do a no cost balance transfer by instalments from CC2 - replacing my car in January took the balance up , and basically that's the balance remaining now (I drive a £4K car - a nearly 10 year old estate).  My finest car was an x-type when there was such a thing as a company car - but ended up being very expensive on BIK - although it was fun.  Now I just make bangernomics part of my eccentricity and save a fortune (been lucky-ish with servicing/repairs)!.

    My FIL had to sell his car, and got more for it than we would for all the cars at our house, me / OH / DS+GF / DD1 when she visits!.  Sorry as a family I'm not sure if this is the height of green sustainability or the depths of toxic car culture - I'll work it out!   
    I think I saw you in an ice cream parlour
    Drinking milk shakes, cold and long
    Smiling and waving and looking so fine
  • mark55man
    mark55man Posts: 8,215 Forumite
    Part of the Furniture 1,000 Posts Name Dropper
    24/29 - in three instalments today, spectating at a local sporting event but walking up and down a lot, and then an open air picnic with friends, and then finally a quick loop round the local park.  very overcast but not actually wet, and therefore quite pleasant

    much the same tomorrow I think!!  
    I think I saw you in an ice cream parlour
    Drinking milk shakes, cold and long
    Smiling and waving and looking so fine
  • mark55man
    mark55man Posts: 8,215 Forumite
    Part of the Furniture 1,000 Posts Name Dropper
    25/30 - got up early and walked out of the town to the next village (just under 3 miles there, and 3 miles back - just over 10k steps). I walked up to the village sign which I tapped and then turned round. 

    Have got some work work to do this afternoon, but its a bit glum out so I don't mind and I am going to make Friday my BH (busy period will be over then).  Maybe if its not too glum try for a sneaky day by the seaside but that's a bit of a trek so forecast would have to be pretty positive before we set out!! 

    Got paid back my OH charity expenses (she buys extra items for local food bank type thing) so that will go off CC3 today along with regular payment plus a little more leaving it under £3K with options next month
    I think I saw you in an ice cream parlour
    Drinking milk shakes, cold and long
    Smiling and waving and looking so fine
  • mark55man
    mark55man Posts: 8,215 Forumite
    Part of the Furniture 1,000 Posts Name Dropper
    25/31 - Work won again today.  I'm not even at a 1000 steps yet, but I will go and stomp around the house a little bit.  But my average for the month is >10000 which was my main goal, getting more out of /31 would have been nice though

    Not going to do September, so this diary can return to its day job :smile:
     
    I think I saw you in an ice cream parlour
    Drinking milk shakes, cold and long
    Smiling and waving and looking so fine
  • mark55man
    mark55man Posts: 8,215 Forumite
    Part of the Furniture 1,000 Posts Name Dropper
    that's my busy project done, a day early as it happens so tomorrow off.  then Monday off - will try and do a bit of everything chores, keep fit at the gym, monthly spreadsheet - but for now computer going off for the weekend  
    I think I saw you in an ice cream parlour
    Drinking milk shakes, cold and long
    Smiling and waving and looking so fine
  • Sounds like a good plan! Time away from the computer is seldom time wasted! 
    June 21 - Total debt £71117.15
    Last month debt - £56537.99
    Current debt - £55605.68
    Cleared: Overdraft - £0/£2500 £2441.83 MBNA cc - £0/£8000 £5185.68 Barclaycard - £0/£4850 £4558.95 Next Store Card - £0/£5000 £196.72
    Credit Cards: Virgin cc - £7027.52/ £12000 - (Jun 21 £7926.06) - Tesco cc - £11972.20/ £12750 - (Jun 21 £12406.07) - RBS cc - £11301.92/ £12000 - (Jun 21 £11956.94)
    Consolidation Loans (Tip... don't do this!) - Loan 1 RBS - £7754.58/£12000 - Loan 2 RBS - £17549.46/ £28000
    Emergency Fund - £2000/£2000
    Christmas Fund - £461.60/ £600

  • mark55man
    mark55man Posts: 8,215 Forumite
    Part of the Furniture 1,000 Posts Name Dropper
    True, but its just started raining, so I am indulging myself with a quick catch up and clearing some things off my to do list

    Had an hour earlier on my own to fill, so I went out for a brisk walk whilst it was mainly sunny and got my steps done.

    Am now just going to do my budget and retrospective for August.  Then some lunch and back to chilling
    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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