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Facing reality

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  • You are doing well on the savings pots and weight loss.  Can you save the rent your flatmate gives you at the moment so you can see if you could manage without it? So it could be used to build up pots until she leaves. 

    I count calories but would struggle on 800 a day.  I just need to lose 7 lb to get to my ideal weight but this seems the hardest bit to lose but nutracheck recommends 1400 a day. I think lantanna makes a good point about it being easier if it is just you.  I have a DH who can eat anything and everything and never put on weight so there is always temptation for me.  
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  • lantanna
    lantanna Posts: 4,471 Forumite
    Part of the Furniture 1,000 Posts Name Dropper
    You just reminded me I have a bag of new potatoes in the cupboard so maybe I will work in a few. I struggle with staying away from diet fizzy drinks too. I’m either really good or really bad there’s no in between with me.  I’m not a big lover of a ready meal either. I really only got them to start me off as I thought it would help me get used to eating smaller portions and I didn’t have to think much about it.  I couldn’t do 800 calories everyday no way, It’s only recommended for 12 weeks as an everyday diet, you then move to 800 calls for 2 days a week 5.2. I guess whatever the diet eat less and you will lose weight. I’m in it for the long haul so it needs to be sustainable. I think we are doing great managing to lose anything in this challenging times
  • Great work on the weight loss!

    I think your lodger is taking the mick a fair bit. I've been a lodger before and we did our own food shopping, sometimes cooked each other a meal etc but for the most part had our own. We agreed on having a cleaner to reduce issues around cleaning. Appreciate that isnt an option at the moment, but I would expect something like week 1, you do kitchen she does bathroom, week 2 you do bathroom she does kitchen and then back to week 1. Doesn't seem right you doing majority of cleaning and cooking!!!
    Current mortgage (1 Jun 2022): £289,501 - originally £351,999 got to love London sized mortgages!
    OP Goal 2022 = 3.75% in OPs: £6,975 / £13,200
    Emergency Fund Target: 3 months saved ✅
     
  • joedenise
    joedenise Posts: 17,625 Forumite
    Part of the Furniture 10,000 Posts Name Dropper
    I couldn't be bothered with counting calories so joined Slimming World.  Have been at target or thereabouts for 10 years now and have never been hungry and I eat carbs every day, although do eat at least one third vegetables and fruit across the day.  I'm sure if I actually counted the calories it's probably around 1400-1600 a day.  It's certainly a slow weight loss option but I've always thought that if it comes off slowly it's more likely to stay off.  I also very rarely do any real exercise other than walking round the shops!

    I'm another who thinks your flatmate is taking the P!  I think it would be a great idea to save her rent to make sure you can manage on just your own money and would also top up all your pots.


  • You are doing well on the savings pots and weight loss.  Can you save the rent your flatmate gives you at the moment so you can see if you could manage without it? So it could be used to build up pots until she leaves. 

    I count calories but would struggle on 800 a day.  I just need to lose 7 lb to get to my ideal weight but this seems the hardest bit to lose but nutracheck recommends 1400 a day. I think lantanna makes a good point about it being easier if it is just you.  I have a DH who can eat anything and everything and never put on weight so there is always temptation for me.  
    I could manage without now that I have my budget under control. Her rent goes towards either extra on debt repayments or filling up pots at the moment. I've done a budget based on just me and it would give me about £250-300 a month towards pots or debt repayments which is quite reasonable I think. Its one of reasons I've started adding extra pots as want to try and get some of the jobs that will cost more done before she moves. Such as replacing window in living room and bathroom and bathroom ceiling will need replastering. 
    *Dad loan - £5300 - £7300
    *Virgin Credit Card - £3552.50 - £0
    *Natwest - £1828.35 -£400

    Barclaycard - £2315.25 - £0.00

    Creation Finance - £960.32 £860
    *Total debt - £8560/£11641.17*


    Savings
    *Savings Buffer - £1000/£1500
    *Emergency Fund - £1000/£1500


    New diary- https://forums.moneysavingexpert.com/discussion/6474943/the-three-cs-coffee-clothes-credit-cards/
  • lantanna said:
    You just reminded me I have a bag of new potatoes in the cupboard so maybe I will work in a few. I struggle with staying away from diet fizzy drinks too. I’m either really good or really bad there’s no in between with me.  I’m not a big lover of a ready meal either. I really only got them to start me off as I thought it would help me get used to eating smaller portions and I didn’t have to think much about it.  I couldn’t do 800 calories everyday no way, It’s only recommended for 12 weeks as an everyday diet, you then move to 800 calls for 2 days a week 5.2. I guess whatever the diet eat less and you will lose weight. I’m in it for the long haul so it needs to be sustainable. I think we are doing great managing to lose anything in this challenging times
    I've added them to my list. 
    That makes sense. I way about 1600 calories a day usually and only eat for the 8 hour period so its really doable and don't feel like I'm missing out. I lose about 0.5lb a day at the moment. All time I'm still losing well I'm gonna keep with the 1600 when it slows down I can drop my calories then. I like you want it to be sustainable and its made me think about my meals better and have meals that fill me up for longer without the need to snack. I've done well so far on the fizz as just haven't brought it but feel like it's been replaced with tea and coffee at the moment where its so cold all the time. 
    *Dad loan - £5300 - £7300
    *Virgin Credit Card - £3552.50 - £0
    *Natwest - £1828.35 -£400

    Barclaycard - £2315.25 - £0.00

    Creation Finance - £960.32 £860
    *Total debt - £8560/£11641.17*


    Savings
    *Savings Buffer - £1000/£1500
    *Emergency Fund - £1000/£1500


    New diary- https://forums.moneysavingexpert.com/discussion/6474943/the-three-cs-coffee-clothes-credit-cards/
  • Great work on the weight loss!

    I think your lodger is taking the mick a fair bit. I've been a lodger before and we did our own food shopping, sometimes cooked each other a meal etc but for the most part had our own. We agreed on having a cleaner to reduce issues around cleaning. Appreciate that isnt an option at the moment, but I would expect something like week 1, you do kitchen she does bathroom, week 2 you do bathroom she does kitchen and then back to week 1. Doesn't seem right you doing majority of cleaning and cooking!!!
    I know i did mention to her today on our walk that the flat needs a good clean this weekend. She said she would do the lounge on Sunday as that's when she is gonna make the rabbit pen a bit bigger again. So I was like well the bathroom and kitchen is what needs doing really. So hopefully she gets the hint. She has to work for a few hours tomorrow though so see what happens. 
    *Dad loan - £5300 - £7300
    *Virgin Credit Card - £3552.50 - £0
    *Natwest - £1828.35 -£400

    Barclaycard - £2315.25 - £0.00

    Creation Finance - £960.32 £860
    *Total debt - £8560/£11641.17*


    Savings
    *Savings Buffer - £1000/£1500
    *Emergency Fund - £1000/£1500


    New diary- https://forums.moneysavingexpert.com/discussion/6474943/the-three-cs-coffee-clothes-credit-cards/
  • joedenise said:
    I couldn't be bothered with counting calories so joined Slimming World.  Have been at target or thereabouts for 10 years now and have never been hungry and I eat carbs every day, although do eat at least one third vegetables and fruit across the day.  I'm sure if I actually counted the calories it's probably around 1400-1600 a day.  It's certainly a slow weight loss option but I've always thought that if it comes off slowly it's more likely to stay off.  I also very rarely do any real exercise other than walking round the shops!

    I'm another who thinks your flatmate is taking the P!  I think it would be a great idea to save her rent to make sure you can manage on just your own money and would also top up all your pots.


    I did slimming world for a while and did think about going back to doing it but at the moment this is working for me. If it stops or I find it isn't working then might consider slimming world or WW as work quite often offer 12 weeks free for that.

    I can manage without. Just be slower paying the debt off is all. But in a few months it will be gone so won't be an issue. Without her rent I have about 250 to 300 to go towards debts or pots. 100 goes to my dad so would make things bit tighter but my bills would also go down as 25% off CT and single rate on water etc. 
    *Dad loan - £5300 - £7300
    *Virgin Credit Card - £3552.50 - £0
    *Natwest - £1828.35 -£400

    Barclaycard - £2315.25 - £0.00

    Creation Finance - £960.32 £860
    *Total debt - £8560/£11641.17*


    Savings
    *Savings Buffer - £1000/£1500
    *Emergency Fund - £1000/£1500


    New diary- https://forums.moneysavingexpert.com/discussion/6474943/the-three-cs-coffee-clothes-credit-cards/
  • jwil
    jwil Posts: 21,827 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Well done on the weightloss!

    Hope you manage to get the lodger sorted, it does sound like she's taking the mick.
    "If you can dream it, you can do it". Walt Disney
  • IzzyBee
    IzzyBee Posts: 2,628 Forumite
    Fifth Anniversary 1,000 Posts Photogenic
    Well done on your weight loss hope you get your lodger sorted not nice 
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