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Life is not a rehearsal- time to take back control........
in Debt free diaries
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It’s a very wet miserable day here. I’ve got a day off with DS as he’s on half term so looks like it’ll be a lazy, cosy day.
The house sale finally went through and I’ve paid some of the debt off. However as we’d been managing on -£600 a month whilst paying for an empty house, I’m going to divert this towards paying the remaining debt off. The debt is all interest free and the £600 a month will see it going before the 0% deals end. This will leave us with a good chunk in the bank for when we decide what we want to do with our forever home.
My physical health also needs some attention. I haven’t done any exercise since October and my waistline and confidence aren’t thanking me for it. I’m in desperate need of time to breathe. I’ve got 10 days off over Christmas and I’m hoping once the big day is out of the way I’ll be able to take some time to pause and reset a little. I need to get back out running so will be restarting with couch 2 5k. I also need to research online exercise videos. Was contemplating venturing back to the gym in the new year but the way the covid situation is playing out again I think I’ll save my money and stay home instead.
Christmas pressies are now all sorted and mostly wrapped. I’ve put together photo books for DSs grandparents of his 2021. It made me realise that it’s so easy to focus on the negatives (and there’s been a fair few 🤣). Sorting through the photos brought back loads of good memories of the year and made be realise it’s not all been doom and gloom! Maybe I should start a daily gratitude practice so this diary isn’t quite so negative- 3 daily reasons to be cheerful?
2. The chance for a nice soak in the bath in a peaceful empty house (this rarely happens!)
3. The realisation that 2021 hasn’t all been bad…..
Did a couple of doorstep pressie drops to friends - was nice to catch up albeit briefly.
Haven’t really got much to add today so here’s yesterday’s reasons to be cheerful……
1. £215 in “free” money
2. Brief catch up with friends
3. The thought of no work until NYE
Finances (in a nutshell!)
Where I am…. Debt to be paid off, always more month than money, struggling to stick to a budget
What I need to do….
Get spending under control and pay off debts (simple ay!)
Reduce food spend- cook more from scratch
Use eBay / Fb to declutter and make a few £s
Where I am…… suffering from low self esteem and anxiety. Mojo is awol, feel like I’m existing rather than living and thriving
What I need to do….
Take time for me each day whether it’s 30 mins reading, exercise, pampering etc
Reread / listen to Dr Chatterjee books - these have really helped me in the past.
Realise I am important too and shouldn’t always compromise my happiness to make those around me happy.
Explore other work opportunities to escape current job
Find out / reconnect with what I enjoy. I’ve been going with the flow so long I don’t really know what I genuinely enjoy doing!
Where I am…. 3-4 stone overweight, love exercise but haven’t done anything in months, diet not great.
Get exercising again!
Spend time each week meal planning / planning exercise for the week (e.g find YouTube videos, plan running routes etc) and stick to it!
Use my fitness pal for calorie / macro counting (really want to avoid Slimming World again as I really struggle with it now)
Train for the Great North Run - (deferred from 2020 - I’ve wanted to do this since I first started running 10years ago, finally got in and covid hit!)
Where I am…. Constant state of chaos, panic tidying every time anyone comes to the house, feeling generally disorganised and overwhelmed!
Tidy / put away as I go
Get into routine of the organised mum method
Declutter and donate / sell on eBay or Fb
Delegate some tasks to OH and DS
I could carry on brain dumping all day, but in short it outlines the situation - I don’t want to be sat here In 12 months time rewriting exactly the same!
My local running club is running a free couch 2 5k course- I’ve signed up to this. It’ll help tick both the exercise and socialising boxes. I’m really looking forward to it.
Right best get cracking…..