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Building towards a complete life overhaul....might take a while but determined to do it
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Afternoon all!
It's Friday!
Had an ok day - had a zoom meeting at 7.30, taught 2 lessons, caught up on a load of admin and spoke to the boss - all from home. Managed to get everything done by about 1.30 - have one more job to do but just don't have the motivation to do it so it'll get done on Sunday.
Been out for a good hour long brisk walk with the dog for some fresh air and exercise now the rain has stopped, so hopefully that's him tired out for a while. I've also hoovered and dusted the whole house, sorted out two loads of dry washing and given the kitchen a good clean and sorted the bins and recycling - so I'm all nice and tidy for the weekend.
I still need to do a food stocktake and make a shopping list for tomorrow - I don't think I'll need too much though.
Have a few additional jobs that need to get done this weekend - nothing very exciting but I need a list to remind myself to do them....
Bath the dog
Dye my hair
Hoover out the car
Wash the cushion covers
I'm sure there's other things that need doing so I'll add to the list as I think of them.
Right, might actually have a little rest now - been a busy day
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Rest sounds good. Glad you finished early for once.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 6/7/253 -
Sounds like things are going well both with estate agents and student loan refund. I think it may be too much of a rush to try and do this before the stamp duty holiday finishes and as you say looking for a new property in the current circumstances would be impossible. Leaving it until the Spring to put it on the market seems to make more sense but obviously only you can decide.I’m a Forum Ambassador and I support the Forum Team on the Debt free Wannabe, Budgeting and Banking and Savings and Investment boards. If you need any help on these boards, do let me know. Please note that Ambassadors are not moderators. Any posts 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 and not the official line of MoneySavingExpert.
The 365 Day 1p Challenge 2025 #1 £667.95/£162.90
Save £12k in 2025 #1 £12000/£70003 -
Afternoon!
It's been a strange day in Manchester - I set off to walk to the local(ish) shops with the dog this morning about 9am and by 9.15 we were trudging through a total blizzard! Carried on as we were half way there by then but it was atrocious - there was 3 inches of snow on the ground by the time we got home an hour later!
By lunchtime, a lot of it had disappeared from the roads but its still freezing and threatening more.
Anyway, I decided to do the shopping at the local shops rather than the supermarket to try to support them a bit and to limit what I bought (as I had to carry it all home again!). Went to the butchers, bakers and veg shop (but not the candlestick makers!) and called in at the vets for some more of the sensitive tummy dog food (its ridiculously expensive but the only thing he'll eat when he's a bit wobbly).
I gave myself a bit of a talking to yesterday after looking and feeling a right state - tired, bloated, uncomfortable stomach, pasty skin, psoriasis patches. Some of it is due to the menopause, but if I'm honest I'm not really helping myself either. My diet is not great, I've been drinking too much wine out of boredom in the evenings, I still do sneaky smoking (why??? I think if I hide it I don't really smoke!) and even though I walk and run a lot I feel sluggish and achey. So, things will change !
I'm not giving myself a hard time about it - this last year has been bonkers for everyone - but I do need to make some alterations and be kinder to myself.
I'm not going mad and cutting every thing out and setting myself up to fail in a week's time - this week's goal is no booze and cooking proper food from fresh ingredients every day. Combined with at least an hour and a half split into dog walks every day, a couple of runs a week and better sleep, I will hopefully start to feel a bit more like the old me.
Some good news - mum and dad have had the letter for their vaccinations, Dad is going on Tuesday and Mum on Thursday.
I thought she's be thrilled to bits but no - she's quite infuriating sometimes and sees the negatives in everything. Dad is chuffed and raring to go.... I'm pleased for them though.
Just off to browse some workouts online as I couldn't run today due to the weather - a quick half hour blast of uncoordinated leaping around the living room will perk me up4 -
I know what you mean about feeling menopausal and bleugh! I don’t have a dog and have been homeworking since March and lucky as I’ve lost around 4 stone. I do YouTube workouts 5 days a week. If you like walking try Reps to The Rhythm, Rick Bueller, and Walk At Home Channels. Might be a mild for you though.I’ve also recently tried a few weeks of CBD oil and omg I felt so different! Less brain fog, more energy! My last one ended last Sunday and can feel the bleugh trickling back in so I’ve reordered some from Boots for next week. If you do get the opportunity I’d recommend it.Take care lovely!Goal to Clear Debts £4592 Total Progress since 03/10/2020 £2802
Overdraft £1000 PAID OFF JAN 2021
iPhone £817 PAID February 2021
CC was £2775 now £1790 Savings - £42.11
Check out my debt diary here: https://forums.moneysavingexpert.com/discussion/6197423/keto-cash-credit-card-debt-goals-for-2021/p1?new=1
Weight loss since 2018 following a FRUGAL Keto lifestyle Lost so far - 115lbs -85lbs To go!
Follow my Frugal Keto journey here: https://www.youtube.com/user/juicyjackie4 -
Thank you Juicy!
I'm glad I'm not the only one - and BLOODY WELL DONE on losing 4 stone!!!! That's amazing! I'll look into the CBD oil - sounds really interesting - does it help with sleep and night sweats too? I don't really have hot flushes in the daytime but wake up every night soaked through.
I've just done a Billy Blanks 30min Tae Bo boxing work out - am sweating like a pig so it must have done something!
Feel much better for it. Hopefully, I'll be able to get out for a run tomorrow if its not too icy but, if not, I'll jump around my living room again - the dog is most bemused with it all
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Morning all!
Up fairly early today and was in the park with the dog at first light to give him a good run around after his ball. It was frozen solid and he did some ice skating on some massive frozen puddles - he had a whale of a time though, even though it was minus 2C.
I'm currently sat with a head full of hair dye - I couldn't put off doing the roots for any longer. I bought the dye about a month ago but managed to squeeze in a hair appointment before they shut on the 30th Dec so its desperate for doing now. Its my least favourite job but needs must - will make me look and feel better too.
Talking of which I just checked and I did 17000 steps yesterday and didn't succumb to any booze or chocolate last night so a fairly successful day.
Started watching It's a Sin on All4 last night - its really good but quite harrowing in places (don't watch it if you're easily offended though). Really enjoying it and have two episodes left to go - I'll get through them later today. Its a spin off from Queer as Folk and tells the story of the beginnings of the AIDS epidemic in the 80s - its very poignant in places and I remember it all happening.
I have a cousin that's living with HIV and he's absolutely fine and lives a completely normal life with medication so it just shows how far things have come. The miracles of science....
I have a bit of work to do today - only about 2 hours worth so not too bad. It was too slippery to run this morning so unless it clears completely I'll be doing a long dog walk and another home work out to get some exercise. My arms are a bit achey from the boxing yesterday so it must have been doing some good!
Other than that I don't really have any big plans - lockdown excitement.... Might have a go with the body lotion with some self tanning in it to see if it makes me look any better - will have a go at my legs first because nobody will see them if it goes wrong!
I also need to just organise the calendar work wise for this week and make sure I'll still be able to drop the dog off for his haircut as, annoyingly, meetings keep plonking themselves in the way even though its after 4pm!!
Right, better check how the roots are doing.....
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I loved Queer as Folk in my late teens. Watched It’s a Sin too, loved it!MFW 2022 #71 £4400/£44002
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Just a quick one - will be back later with a proper post....
The Student Loan refund has arrived in my bank account
I'm rich beyond my wildest dreams...... well, £1500 richer anyway5 -
That's great news well done*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/2
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