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

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  • jwil
    jwil Posts: 21,989 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    I'm still feeling positive at the moment :T

    We had a good weekend, took a lot of stuff to the tip and charity. All the big pile of clothes is gone along with a few other things. The kids both did really well with their swimming and dancing lessons, so that was also really positive.

    I have been keeping up with my active 10. Just leaving it at one at the moment, until that becomes automatic, and then will up it to 2 once that's a habit. Although I do walk a lot, I don't walk 'briskly' enough. The active 10 is walking at a brisk pace. It is helping me to pick up the pace which will be good in the long run.

    The training your appetite book is really helping me too, I think it's because it's written by a psychologist rather than a dietician. I think if I keep following it, it will help me change some of my bad eating habits. It's certainly worked this weekend. I've been completely on plan and have even been able to have a small bar of chocolate each day without turning into a monster and scoffing several!
    "Good financial planning is about not spending money on things that add no value to your life in order to have more money for the things that do". Eoin McGee
  • jwil
    jwil Posts: 21,989 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Decluttering categories (roughly following Marie Kondo) with my own sub categories.

    Clothing
      [STRIKE]
    • Mine[/STRIKE]
      [STRIKE]
    • Little Jwil[/STRIKE]
      [STRIKE]
    • Little miss[/STRIKE]
    Books
    • Mine
      [STRIKE]
    • Kids[/STRIKE]
    Paperwork
    Miscellaneous (Komono)
    Kitchen
    • Cutlery
    • Crockery
    • Pans
    • Equipment
    • Food
    • Cleaning products
    Toys
    Stationery
    Christmas Decorations

    Airing cupboard
    • Towels
    • Bedding
    DVDs
    Toiletries
    Accessories
    Nick nacks
    Electrical
    Computer files

    Sentimental
    • Photos (hard copies)
    • Photos (digital)
    • Holiday stuff
    "Good financial planning is about not spending money on things that add no value to your life in order to have more money for the things that do". Eoin McGee
  • jwil
    jwil Posts: 21,989 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    My targets for Jan:

    Money:
    • Find 5 things to sell on eBay (and list them!) - 4 done, got one to list :T
    • Meal plan for the month - doing on a weekly basis
    • Budget max £25 pw for any top up groceries - not great, but not too far past. Have used survey and ebay money for extras
    • Keep up with surveys and cash out if possible. - doing ok :)

    Health:
    • Stick to SW plan for 30 days - 5/30 hmmm...
    • Commit to at least one x 'Active 10' each day - 13/31 :T
    • Achieve SW 'Bronze' body magic certificate
    • Complete 4 x full body workouts - 1/4
    • Finish taking anti-depressants (GP approved) nearly done :T
    • Complete 1 x mindfulness activity each day - mostly
    • Listen to weightloss therapy each day - not quite

    Decluttering:
      [STRIKE]
    • Complete 'clothing' sections[/STRIKE]
    • Complete paperwork
      [STRIKE]
    • Complete Christmas decorations[/STRIKE]

    That's not too bad really :T :j
    "Good financial planning is about not spending money on things that add no value to your life in order to have more money for the things that do". Eoin McGee
  • beanielou
    beanielou Posts: 95,599 Ambassador
    Part of the Furniture 10,000 Posts Academoney Grad Mortgage-free Glee!
    Never mind not too bad~~how about blooming awesome :)
    I am a Forum Ambassador and I support the Forum Team on Mortgage Free Wannabe & Local Money Saving Scotland & Disability Money Matters. If you need any help on those boards, do let me know.Please note that Ambassadors are not moderators. Any post you spot in breach of the Forum Rules should be reported via the report button , or by emailing forumteam@moneysavingexpert.com. All views are my own & not the official line of Money Saving Expert.

    Lou~ Debt free Wanabe No 55 DF 03/14.**Credit card debt free 30/06/10~** MFW. Finally mortgage free O2/ 2021****
    "A large income is the best recipe for happiness I ever heard of" Jane Austen in Mansfield Park.

    ***Fall down seven times,stand up eight*** ~~Japanese proverb.
    ***Keep plodding*** Out of debt, out of danger. ***Be the difference.***
    One debt remaining. Home improvement loan.
  • jwil
    jwil Posts: 21,989 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    beanielou wrote: »
    Never mind not too bad~~how about blooming awesome :)

    Aww thank you :o
    "Good financial planning is about not spending money on things that add no value to your life in order to have more money for the things that do". Eoin McGee
  • girlatplay
    girlatplay Posts: 3,884 Forumite
    Part of the Furniture 1,000 Posts Photogenic Name Dropper
    jwil wrote: »
    Feeling brighter this morning. It's clearly work that's putting me in a mood :rotfl:
    ...

    I think I'm allergic to work. Every time I go I get ill!
    Mortgage at 12/07/2022 = £175,000
    Mortgage today = £161,690.76
    300 271 payments to go.
    House buyout fund £21,000/£40,000
  • jwil
    jwil Posts: 21,989 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    girlatplay wrote: »
    I think I'm allergic to work. Every time I go I get ill!

    There's definitely something in it! I've been stressed at work the last couple of days and so the chocolate monster has reappeared :( I think I'm getting there with the project now though so hoping to rein it back today!
    "Good financial planning is about not spending money on things that add no value to your life in order to have more money for the things that do". Eoin McGee
  • savingholmes
    savingholmes Posts: 28,971 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    The chocolate monster follows most of us.

    in general though you do seem to be getting loads done. So be kind to yourself and celebrate.
    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
  • jwil
    jwil Posts: 21,989 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    The chocolate monster follows most of us.

    in general though you do seem to be getting loads done. So be kind to yourself and celebrate.

    Thank you SH :)
    "Good financial planning is about not spending money on things that add no value to your life in order to have more money for the things that do". Eoin McGee
  • jwil
    jwil Posts: 21,989 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Hello everyone :)

    Been busy the last few days. There seems to be a lot going on and work is busy again. Trying to get on top of everything.

    I lost 2.5lb at SW last week :T Not feeling very motivated though. The chocolate monster is still lingering. I'm still trying to make the effort to eat bigger meals and snack less though. Not perfect, but every time I succeed is better than none.

    Went out to get something from the freezer the other day to find out it had been left partly open for god knows how long :( It hadn't been completely open and had still been working so nothing had completely defrosted, it's more like there was big blocks of ice and lots of snow in there! I haven't thrown anything away except some icecream and some ice, but am making sure everything else is cooked and used up this week. So definite savings on the grocery bill, and a defrosted freezer which is now empty and needs refilling when payday comes.

    I've received come cat food to test :T Not sure the cat will be impressed though :rotfl:

    DH has sold a few things on ebay, more bulky bits to go :T

    I'm not doing particularly well with my tight budget, but do have my spending spreadsheet set up now and am recording everything :T

    I've made a start on clearing paperwork and am starting to look at our pension provision so we can see what we need to do to retire early :D

    Whilst sorting out paperwork, I've discovered that one of my creditors did not send me all the paperwork I requested when I CCA'd it. Unless they sent it on afterwards and I find it in the rest of the paperwork I've got to sort, it will mean that debt is unenforceable and I might have a chance of a good settlement with that one :T :T
    "Good financial planning is about not spending money on things that add no value to your life in order to have more money for the things that do". Eoin McGee
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