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2020 - 'Nothing in your life will change until you make the decision to change'

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  • Happy New Shiny Diary and Happy New Year :) xx
  • jwil
    jwil Posts: 21,816 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Happy New Shiny Diary and Happy New Year :) xx

    Thank you, you too :) xx
    "If you can dream it, you can do it". Walt Disney
  • Your goals sound good Jwil and achievable.

    With regard to exercise it's finding something you enjoy, have time to do and can afford that's the trick. For example I hate team sports, but enjoy swimming and badminton. But I don't have time or money to do swimming or badminton. So I walk and do Pilates once a week as walking is free and Pilates is affordable and easy to get to.

    What time of day would you be available to do exercise? It's fitting it into your daily life that's the hardest. I'm lucky that I can walk to work and back and have an active job. But if you need to drive to work and have a sedentary job it's much harder to fit exercise in. Could you go for a walk at lunchtime? That's the only time it's going to be light for the next few months. Or can you afford the gym or exercise classes after work?
    Finally Debt Free After 34 Years, But Still Need to Live Frugally
    Debt in July 2017 = £58,766 😱 DEBT FREE 31 OCTOBER 2017 :T 🎉
    EMERGENCY FUND 1 = £50/£5,000. EMERGENCY FUND 2 = £10/£5,000.
    CHRISTMAS SAVINGS = £0/£500. SEF = £1,400/£12,000 PREMIUM BONDS ME = £350. PREMIUM BONDS DH = £300.
    HOLIDAY MONEY = £0 TIME LEFT TO PAY OFF MORTGAGE = 5 YEARS 1 MONTHS
  • jwil
    jwil Posts: 21,816 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    edited 4 January 2020 at 10:40AM
    Your goals sound good Jwil and achievable.

    With regard to exercise it's finding something you enjoy, have time to do and can afford that's the trick. For example I hate team sports, but enjoy swimming and badminton. But I don't have time or money to do swimming or badminton. So I walk and do Pilates once a week as walking is free and Pilates is affordable and easy to get to.

    What time of day would you be available to do exercise? It's fitting it into your daily life that's the hardest. I'm lucky that I can walk to work and back and have an active job. But if you need to drive to work and have a sedentary job it's much harder to fit exercise in. Could you go for a walk at lunchtime? That's the only time it's going to be light for the next few months. Or can you afford the gym or exercise classes after work?

    Yes, that's my biggest challenge. Finding the time and motivation. I don't have the money to do what I'd like to do - Gym or swimming. I dislike 'going for a walk', though I don't mind walking 'to' somewhere. Also the times I'd be most likely to exercise are times that DH isn't here so I am with the kids. I have tried walking at lunchtime before but there's nowhere really to walk other than along a very busy road or business park.

    All excuses though and I have to get past them and find something to do. Nothing will change unless I change it!
    "If you can dream it, you can do it". Walt Disney
  • jwil
    jwil Posts: 21,816 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    I listed 4 items for me yesterday :T One is selling already :T

    I cashed out £6.50 on a survey site, and have reached cashout on another, though for that one I have to wait until they automatically transfer the cash. Hopefully it will be this month.

    I also finished taking down the xmas decorations, finished sorting the kids clothing, and did their books :T I've put out all the baby books and all the books they show no interest in reading, so that's 31 gone. :T
    "If you can dream it, you can do it". Walt Disney
  • Can’t believe the progress on your targets
    Mortgage 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.
  • savingholmes
    savingholmes Posts: 28,932 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    I Jwil just refound your diary and you're already off the starting blocks. You are making loads of progress. I have a similar amount of weight to lose and last year reached my worst ever. Like you I need to turn that around. Good luck with SW and all your other goals.
    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
  • Found you!! Happy new diary xx
  • I got a book out of the library about habits which is really interesting, apparently that is the way to change behaviour, rather than will power. I think there are some Ted talks about it. For me it is all a constant battle! (weight loss I mean).
  • clearmydebts
    clearmydebts Posts: 6,485 Forumite
    Part of the Furniture 1,000 Posts Combo Breaker I've been Money Tipped!
    Happy New Year and new diary! I'm another one whose NY resolution is to look after myself.
    Total (Aug 19):€58,567 Now:€26,947
    DFD:Nov 22/June 22
    Mortgage: €199,712
    MFD: March 2042/July 2034
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