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2020++ - smiling and waving and looking so fine

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  • mark55man
    mark55man Posts: 8,205 Forumite
    Part of the Furniture 1,000 Posts Name Dropper
    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 warehouse
    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: 8,205 Forumite
    Part of the Furniture 1,000 Posts Name Dropper
    edited 8 March 2020 at 10:08AM
    milk is not completely forbidden though cream or butter :mrgreen: 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 fine
  • db2016
    db2016 Posts: 343 Forumite
    Seventh Anniversary 100 Posts Name Dropper
    :) 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

  • mark55man
    mark55man Posts: 8,205 Forumite
    Part of the Furniture 1,000 Posts Name Dropper
    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 fine
  • db2016
    db2016 Posts: 343 Forumite
    Seventh Anniversary 100 Posts Name Dropper
    :) 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..

  • savingholmes
    savingholmes Posts: 28,958 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Hope you manage to knock the overdraft down - some of the new charges are horrific
    Achieve 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 6/7/25
  • mark55man
    mark55man Posts: 8,205 Forumite
    Part of the Furniture 1,000 Posts Name Dropper
    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 fine
  • 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 saved
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