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2020++ - smiling and waving and looking so fine
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hello
busy week at work, but making progress. still enjoying the diet Keto (lo carb), although it is difficult to wing it at lunchtime without going to the nearby supermarket. Also a couple of nights away meant slightly richer and sweeter food (richer is OK, but sweet is bad). But a couple of G&T (slimline) were entirely welcome and on plan. However I can't do packed lunches from the hotel and I am not yet so brazen as to trouser bacon and sausages from the buffet (although I have done exactly that with croissants and fruit)
Unexpected dishwasher failure, which had to be replaced as out of warranty, and will mean £200 less to be paid off this month. Plus DD1 is just about to start an important course so we agreed we would go halves on a laptop for her birthday next month but which we bought now. In a way that's the story of why my debts have taken so long to go away because of spends in the low hundreds which always seem justifiable but reduce amount available for debt busting! You only need one of those a month and that's a thousand in a year. Well live and don't learn is a problem whatever, but generally feeling in a good space at the moment so we'll see how the month goesI think I saw you in an ice cream parlour
Drinking milk shakes, cold and long
Smiling and waving and looking so fine7 -
oh, I meant to say I have joined our debt free superstar blackcoffeenosugar in doing literally just that.
can't say I'm completely sold on it, but that's probably because I have to use work coffee which is bean but not from the posh end of the warehouseI think I saw you in an ice cream parlour
Drinking milk shakes, cold and long
Smiling and waving and looking so fine4 -
That was my coffee preference but I now add a spot of milk as my dentist advised it was staining my teethMortgage 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.5
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milk is not completely forbidden though cream or butter
are preferred. I think the main thing is to get away from lattes etc. My teeth are not a thing of beauty so I can live with that, although I am overdue at the dentist and she may disagree
I think I saw you in an ice cream parlour
Drinking milk shakes, cold and long
Smiling and waving and looking so fine3 -
hope keto is good to you as was me!
any questions feel free to ask me.
your obviously doing steps / excercise too so the results should be amazing (i cant do many steps / much excercise due to mobility, so it was great to lose from just food side of things).
im sure the other aspects of your plan will catch up soon
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thanks db2016 - I'm glad you came back to see I had gone down this route. Doing steps but not excessively so - maybe in the spring time when I don't come back in as a block of ice.
yes keto is going well, am eating a lot of meat and green veg (chicken stir fry, beef and greens, bacon and egg) so not to processed. Smoked mackerel and crunchy salad for lunch most days (I'm not one who gets bored that easily if its tasty and easy to slap together). Down to 248lbs now after being at 265 over xmas and 261 when I started this (I think - as you can tell from this diary I'm not great with number precision)
In other news things not really going to plan on the money front with a bit more child support required, but an end is an hand to that for a while both DS1 and DD2 shouldn't need anything for a while. Mr Overdraft may be knocking on my door just when I thought he had gone for 2020.I think I saw you in an ice cream parlour
Drinking milk shakes, cold and long
Smiling and waving and looking so fine4 -
them's some good numbers, its hard to get your head round how can meats and fats be good, but the science is there and people are coming round to it - for me ive gone back to carbs, but lots less, and no sugar stuff really, such as too much choc etc. it was useful to remove the "bulk" and then im keeping it so-so back on a decent diet.
careful on the veg though, they can be carby, my go to treat for veg was, brocolli steamed, with cheese all over! - but only one or two florets of! next to a steak or salmon.
not an egg eater at all, so i missed out on that for protein side of things, along with the steps.
i quit for xmas, some people doing for diabetes reversal reasons, they struggle on through xmas dinner on keto, but nope! its once a year so i stopped and started..
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Hope you manage to knock the overdraft down - some of the new charges are horrificAchieve FIRE/Mortgage Neutrality in 2030
1) MFW Nov 21 £202K now £174.8K Equity 32.77%
2) £3K Net savings after CCs 6/7/25
3) Mortgage neutral by 06/30 (AVC £22.5K + Lump Sums DB £4.6K + (25% of SIPP 1.1K) = 28.2/£127.5K target 22;12% updated 6/7
4) FI Age 60 income target £16.5/30K 55.1%
5) SIPP £4.6K updated 6/7/252 -
thanks both weight and overdraft the two challenges at the moment. to be fair, the kids needs were unexpected and not out of lack of care, but to be harsh the whole structure of month to month cash flow is fundamentally unstable - even though like most older professional people there is most of the mortgage gone, pensions, etc. so will keep plodding on -I think I saw you in an ice cream parlour
Drinking milk shakes, cold and long
Smiling and waving and looking so fine4 -
There always seems to be something cropping up, doesn't there? We have the same, always frustrating when it 'should' work on paper, but it doesn't in reality.DFD March 2025 (£35000 paid off)
FFEF £10000/20000 saved4
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