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Facing reality

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  • Well done on your weight loss! I definitely need to take a leaf out of your book. Also agree with everyone else that your lodger has it very good and shouldn’t be complaining about a little bit of a rise! She should also be contributing to the cleaning so I think you’re well within your rights to try to set that boundary with her.
    Part time working mum | Married in 2014 | DS born 2015 & DD born 2018

    https://forums.moneysavingexpert.com/discussion/6542225/stopping-the-backsliding-a-family-of-four-no-longer-living-beyond-their-means/p1?new=1

    Consumer debt free!
    Mortgage: -£128,033

    Savings: £6,050
    - Emergency fund £1,515
    - New kitchen £556
    - December £420
    - Holiday £3,427
    - Bills £132

    Total joint pension savings: £55,425
  • Thanks there has been some difficult days but I have to remember I'm in it for the long haul and I won't lose it overnight. 
    I know I'm trying hard to not get annoyed and snap but will see how it goes. I did washing up on Friday and she did the drying up. I've cleaned the kitchen so waiting to see if she does the bathroom or if it gets left to me. She mentioned she would sort the living room which is where the bunnies are. Have to wait and see what happens. She's found a recipe she wants to try so at least she will be cooking one day this week and joked that's her quota for the month. I didn't laugh. 
    *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/
  • Another 2lbs gone. Nice to see progress in the right direction and that what I'm doing is working. Still a long way to go. But that's 22lbs lost in total. I can feel the difference in my clothes. 

    Housemate has been helping out more this week. She cooked dinner Saturday, Monday and Tuesday. Mostly because I wasn't feeling great but its all progress and when it's an easy meal I'm going to maybe suggest she do it. We've been doing the washing up together so one washes and one dries so that's a good sign as well. Still no progress on kitchen and bathroom cleaning but she is now cleaning the living room twice a week after the bunnies now they are sharing a pen and litter tray. Gonna see how long these changes last before start mentioning more cleaning. If she pulls her weight in terms of cooking and clearing up I can live with the bit of cleaning at weekend. Might suggest that I clean bathroom and we do kitchen together at weekends when we do tidying up. Think that might be a good compromise for now. 

    In terms of money front, budget is going well for this month. But started getting toothache last night so think a trip to dentist might be needed next week when I'm off. I don't have a fund for this or opticians (although I claim this back from work) so I think that might have to be my next category on ynab.
    I sold my coffee machine that I never used and have even using the cash to pay for food shopping and transferring it into my savings account so that's my if forgot something account. It also has my birthday money in it. Think this might have to to towards the dentist cost and then just repay myself the birthday money. 
    Need to reign the takeaways in though as been having one every weekend for last 3 weekends and housemate wants another one this weekend. I do have the spends for it but feels like such a waste of my money. I want to go back to at least every other week but ideally once a month. Its good to know that I can still lose weight and have a takeaway though its a good sign for future that I won't have to miss out just have to be sensible. 
    *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/
  • ryanm8655
    ryanm8655 Posts: 1,201 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Combo Breaker
    Another 2lbs gone. Nice to see progress in the right direction and that what I'm doing is working. Still a long way to go. But that's 22lbs lost in total. I can feel the difference in my clothes. 

    Housemate has been helping out more this week. She cooked dinner Saturday, Monday and Tuesday. Mostly because I wasn't feeling great but its all progress and when it's an easy meal I'm going to maybe suggest she do it. We've been doing the washing up together so one washes and one dries so that's a good sign as well. Still no progress on kitchen and bathroom cleaning but she is now cleaning the living room twice a week after the bunnies now they are sharing a pen and litter tray. Gonna see how long these changes last before start mentioning more cleaning. If she pulls her weight in terms of cooking and clearing up I can live with the bit of cleaning at weekend. Might suggest that I clean bathroom and we do kitchen together at weekends when we do tidying up. Think that might be a good compromise for now. 

    In terms of money front, budget is going well for this month. But started getting toothache last night so think a trip to dentist might be needed next week when I'm off. I don't have a fund for this or opticians (although I claim this back from work) so I think that might have to be my next category on ynab.
    I sold my coffee machine that I never used and have even using the cash to pay for food shopping and transferring it into my savings account so that's my if forgot something account. It also has my birthday money in it. Think this might have to to towards the dentist cost and then just repay myself the birthday money. 
    Need to reign the takeaways in though as been having one every weekend for last 3 weekends and housemate wants another one this weekend. I do have the spends for it but feels like such a waste of my money. I want to go back to at least every other week but ideally once a month. Its good to know that I can still lose weight and have a takeaway though its a good sign for future that I won't have to miss out just have to be sensible. 
    Well done on the weight loss and good news in the housemate helping out more!

    I too struggle with the takeaways. Am basically down to one a week now but it’s the same issue, bubble friends fancy one and feel tight saying no ha. But once a week isn’t too bad given the circumstances. If you can cut it back more then great.

    August 2019: £28.8k

    November 2020: £0 (0% interest)

    My debt free diary: https://forums.moneysavingexpert.com/discussion/comment/77330320#Comment_77330320


  • ryanm8655 said:
    Another 2lbs gone. Nice to see progress in the right direction and that what I'm doing is working. Still a long way to go. But that's 22lbs lost in total. I can feel the difference in my clothes. 

    Housemate has been helping out more this week. She cooked dinner Saturday, Monday and Tuesday. Mostly because I wasn't feeling great but its all progress and when it's an easy meal I'm going to maybe suggest she do it. We've been doing the washing up together so one washes and one dries so that's a good sign as well. Still no progress on kitchen and bathroom cleaning but she is now cleaning the living room twice a week after the bunnies now they are sharing a pen and litter tray. Gonna see how long these changes last before start mentioning more cleaning. If she pulls her weight in terms of cooking and clearing up I can live with the bit of cleaning at weekend. Might suggest that I clean bathroom and we do kitchen together at weekends when we do tidying up. Think that might be a good compromise for now. 

    In terms of money front, budget is going well for this month. But started getting toothache last night so think a trip to dentist might be needed next week when I'm off. I don't have a fund for this or opticians (although I claim this back from work) so I think that might have to be my next category on ynab.
    I sold my coffee machine that I never used and have even using the cash to pay for food shopping and transferring it into my savings account so that's my if forgot something account. It also has my birthday money in it. Think this might have to to towards the dentist cost and then just repay myself the birthday money. 
    Need to reign the takeaways in though as been having one every weekend for last 3 weekends and housemate wants another one this weekend. I do have the spends for it but feels like such a waste of my money. I want to go back to at least every other week but ideally once a month. Its good to know that I can still lose weight and have a takeaway though its a good sign for future that I won't have to miss out just have to be sensible. 
    Well done on the weight loss and good news in the housemate helping out more!

    I too struggle with the takeaways. Am basically down to one a week now but it’s the same issue, bubble friends fancy one and feel tight saying no ha. But once a week isn’t too bad given the circumstances. If you can cut it back more then great.
    I keep trying to remind myself that in current circumstances it's the only treat I get but just feels like such a waste of money and not even sure I'm enjoying it that much anymore now that I'm eating healthier. Always seems to greasy and oily. 
    *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
    lantanna Posts: 4,471 Forumite
    Part of the Furniture 1,000 Posts Name Dropper
    Well done on the weight loss, that’s fab, I’m up to 11 lbs off now, hope to reach over a stone soon. Personally I find takeaways hard to stop as it’s feels like one of a few things we can actually do at the minute. I have the hygienist this afternoon. I knew it was coming so budgeted for it in this months pay. There’s always something though isn’t there, when you think you have everything covered.
  • jwil
    jwil Posts: 21,816 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Well done on the weightloss, that's a great result.  Glad your housemate is helping out more.  What about looking up some healthy takeaway style recipes? There are loads out there which are pretty good.
    "If you can dream it, you can do it". Walt Disney
  • Parkyp
    Parkyp Posts: 883 Forumite
    Fifth Anniversary 500 Posts Name Dropper
    Another 2 pounds off that’s fantastic. Great your housemate doing a wee bit more, if your happy cleaning bathroom (I love cleaning bathroom it’s my favourite chore, just love seeing it gleaming 😂) Then I think after dishes would be a good idea to get her involved without her really realising 😂😂.
    when your no longer enjoying the takeaways then it’s definitely a waste of money, if it was tasty and you enjoyed it then that would be money worth spending on a treat x
  • lantanna said:
    Well done on the weight loss, that’s fab, I’m up to 11 lbs off now, hope to reach over a stone soon. Personally I find takeaways hard to stop as it’s feels like one of a few things we can actually do at the minute. I have the hygienist this afternoon. I knew it was coming so budgeted for it in this months pay. There’s always something though isn’t there, when you think you have everything covered.
    We went through a period of not having one for about 6 to 8 weeks and now had one the last 3 weekends. I don't know it maybe because we are being good all week it feels like a treat at weekend and we usually go for a long walk to try and counter some of it. Like you said it's only thing we can have at the moment that feels like a treat. I will see how it goes. This month is a short month so can afford it but had hoped to have some of my personal spends to carry forward to next month ready for my two weeks off work. 

    jwil said:
    Well done on the weightloss, that's a great result.  Glad your housemate is helping out more.  What about looking up some healthy takeaway style recipes? There are loads out there which are pretty good.
    Yeh I think that might have to be an option for us or just be firmer about no takeaways. I think for me it's the enjoyment of not having to cook but if I can get my housemate to do more of the simpler meals then I would get a break anyway. 
    Parkyp said:
    Another 2 pounds off that’s fantastic. Great your housemate doing a wee bit more, if your happy cleaning bathroom (I love cleaning bathroom it’s my favourite chore, just love seeing it gleaming 😂) Then I think after dishes would be a good idea to get her involved without her really realising 😂😂.
    when your no longer enjoying the takeaways then it’s definitely a waste of money, if it was tasty and you enjoyed it then that would be money worth spending on a treat x
    Thanks I just need to keep at it. I have a bridesmaid dress to fit into. It fits now but clings a bit much for my liking. Hoping I will lose enough to need a smaller size. That would be money I would be happy to pay out for myself. Been dreading the pictures etc. Got until April 2022 now. 
    I think it might be the best way forward if try and work some of chores into our new clearing up routine. 
    I don't mind doing the bathroom tbh or the kitchen just fed up with doing everything. But if can get more of the daily stuff done by housemate then I can live with the rest. 
    I think it's because we had same thing 3 weeks in a row. My housemate wants pizza from that D place this weekend. But we shall see. 
    *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/
  • ryanm8655
    ryanm8655 Posts: 1,201 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Combo Breaker
    ryanm8655 said:
    Another 2lbs gone. Nice to see progress in the right direction and that what I'm doing is working. Still a long way to go. But that's 22lbs lost in total. I can feel the difference in my clothes. 

    Housemate has been helping out more this week. She cooked dinner Saturday, Monday and Tuesday. Mostly because I wasn't feeling great but its all progress and when it's an easy meal I'm going to maybe suggest she do it. We've been doing the washing up together so one washes and one dries so that's a good sign as well. Still no progress on kitchen and bathroom cleaning but she is now cleaning the living room twice a week after the bunnies now they are sharing a pen and litter tray. Gonna see how long these changes last before start mentioning more cleaning. If she pulls her weight in terms of cooking and clearing up I can live with the bit of cleaning at weekend. Might suggest that I clean bathroom and we do kitchen together at weekends when we do tidying up. Think that might be a good compromise for now. 

    In terms of money front, budget is going well for this month. But started getting toothache last night so think a trip to dentist might be needed next week when I'm off. I don't have a fund for this or opticians (although I claim this back from work) so I think that might have to be my next category on ynab.
    I sold my coffee machine that I never used and have even using the cash to pay for food shopping and transferring it into my savings account so that's my if forgot something account. It also has my birthday money in it. Think this might have to to towards the dentist cost and then just repay myself the birthday money. 
    Need to reign the takeaways in though as been having one every weekend for last 3 weekends and housemate wants another one this weekend. I do have the spends for it but feels like such a waste of my money. I want to go back to at least every other week but ideally once a month. Its good to know that I can still lose weight and have a takeaway though its a good sign for future that I won't have to miss out just have to be sensible. 
    Well done on the weight loss and good news in the housemate helping out more!

    I too struggle with the takeaways. Am basically down to one a week now but it’s the same issue, bubble friends fancy one and feel tight saying no ha. But once a week isn’t too bad given the circumstances. If you can cut it back more then great.
    I keep trying to remind myself that in current circumstances it's the only treat I get but just feels like such a waste of money and not even sure I'm enjoying it that much anymore now that I'm eating healthier. Always seems to greasy and oily. 
    Completely get you on that ha. I also keep a couple of nice pizzas etc. In stock and bulk cook to make sure I’ve got easy food in when busy/can’t be bothered to cook but seems like your issue isn’t so much that ha.

    Annoyingly though, actually discovered a very good Chinese 5 minutes walk away that is cheap and wasn’t at all greasy! Been searching for a good Chinese in London for years ha. They don’t deliver but that is probably a good thing...the fact it’s so close and cheap means delivery is seriously bad value (double the price for worse food) but at the same time, the fact I have to leave the flat means I’ll only go when it’s planned ha.

    The lesson for me is that a good takeaway is a worthwhile treat, eating it for the sake of it is a waste.

    August 2019: £28.8k

    November 2020: £0 (0% interest)

    My debt free diary: https://forums.moneysavingexpert.com/discussion/comment/77330320#Comment_77330320


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