Future Proofing my life: Deposit saving then MFW journey in under 13 years

Queen_of_the_Hive

Wow your on a winning streak! Love it!

Enjoy the festival!

KajiKita

That’s quite a run of wins!! 😊🤩 May be a good time to look at the housing market again …? 🤔
Or is the shenaniganing of the landlords still continuing? 

KK

PennysIntoPounds

Great wins, congrats! Those cocktails will be fab when the weather gets nicer and you can lounge in a park or garden with a pal 

LadyWithAPlan

@Queen_of_the_Hive @KajiKita @PennysIntoPounds tx - its amazing what a bit of focus  + extra motivation does
I used to win a lot on comps, in 2017 its was over £15k in rrp value ... however once i started the mb for actual cash that took up my spare time so i did less comping

PennysIntoPounds said:

Great wins, congrats! Those cocktails will be fab when the weather gets nicer and you can lounge in a park or garden with a pal 

Think there is loads of sugar in them! So will keep as a gift or for a party...

@KajiKita the flat thing starting to move forward and i am doing my summer side hustle so I am thinking next spring to start flat hunting  at latest


Interest ! 

£25.32 interest paid on my Help 2 buy isa - I added the max £12k in by last year so the current £12,860.47 shows my interest - waiting to hit £1k interest in there by yr end  - only 2.25% rate but it’s fiddly to move for a better rate 


Last night after a v busy day working on various clients and the side hustle (& ems training) I popped to see a friend - he had cooked an amazing pork in the air fryer then made a hot spicy veg curry with rice and couple Japanese mini sweet snacks plus a couple glasses wine 
I rarely eat rice but I enjoyed the meal &  am actually finding the 2-3 days on the Newcastle diet when I am at home (basically chicken and loads veg:salad) then a day of larger eating/drinking when out so far working well.
Some body builders do this when cutting - 3 day lower carb 4th day higher - it’s called carb cycling and keeps your body confused and metabolic rate still high 

Either way my friends all said how great I looked - losing that crept on 4/5kg so far has made such a difference. You could  also see in the pics we took - I look much leaner and my shape is coming back 

I wore my new Vinted purchase - the copy of the dress I already had that’s ripping - v happy with it 

I Have some side hustle work to do plus Mb today. I had said I look after a friends kids but they now have a play date so I don’t need to
kid herd. 
I am being asked to go out this evening but will see - I am also feeling like a proper scrub/declutter of my apartment is needed - that post being abroad in a flat with not much stuff then wondering why I have so much in my home! 
Got a bag of stuff for CS so will see if I can find some more and pop in later 
I could sell it but waiting for it to go I only put the higher price items up - the rest I want the space 


Currently testing the C**Nish seaweed hair stuff - my hair is definitely suffering 
second use of the shampoo conditioner serum and my hair feels hard to blow dry and almost sticky ! Earlier this week first time it didn’t seem to do much 

However I pinned my hair up when rushing out and later my hair that’s been looking a bit scraggy / have fine hair but generally loads of if .. suddenly was a giant bush ! Looked thick though 
I will try less product next time and give this a proper test 
I usually use Klorane (I buy in France) and it’s light enough for my hair to look good 

LadyWithAPlan

Made a stock yesterday from my Corn fed chicken so will make a veg soup as part of my health kick 
Currently have watercress in the stock (was not v fresh) broad beans broccoli and spinach plus a load of garlic ginger fresh coriander and lemon zest /juice  - it was a pretty decent stock so shouldn’t need much else 

Queen_of_the_Hive

LadyWithAPlan said:

Made a stock yesterday from my Corn fed chicken so will make a veg soup as part of my health kick 
Currently have watercress in the stock (was not v fresh) broad beans broccoli and spinach plus a load of garlic ginger fresh coriander and lemon zest /juice  - it was a pretty decent stock so shouldn’t need much else 

Sounds delicious - may have to "borrow" that idea

edinburgher

Thank you for reminding me to make stock - I have 3 large free range carcasses in the freezer 👍🏻

Also, I know I'm about 3 months late, but we save our Morrisons vouchers for Christmas too. Will be at £65 come tomorrow, with about £35 in Nectar points

PennysIntoPounds

Enjoy your evening out or your evening in 😊🥂

LadyWithAPlan

Queen_of_the_Hive said:

LadyWithAPlan said:

Made a stock yesterday from my Corn fed chicken so will make a veg soup as part of my health kick 
Currently have watercress in the stock (was not v fresh) broad beans broccoli and spinach plus a load of garlic ginger fresh coriander and lemon zest /juice  - it was a pretty decent stock so shouldn’t need much else 

Sounds delicious - may have to "borrow" that idea

it was actually super tasty, I added some smoked paprika, my fav kashmiri chilli powder, extra pepper. I cooked the veg for 8 mins then blended it  and also it needed a bit of vinegar as the stock was v rich so a dash of apple cider vinegar was needed to 'cut' the chicken stock just before serving. Plenty for tomorrow and was v filling/healthy/cheap as it was all veg I had in the fridge or freezer. Plan was to use it as a base for a Japanese soup bowl type dish.. but ended up eating as soup.

@edinburgher I only currently have one freezer so I always make the stock first as no room to freeze the carcass. I normally then freeze the stock but I have a fair few batches frozen already and am aiming to empty freezer in the next few weeks.  I did have a second full size fridge freezer (was gifted) but the extra elec is not justifiable as its just me 
I currently have 16k of Morries points so just over £15, the idea for saving for xmas came from the somewhere on here..

PennysIntoPounds said:

Enjoy your evening out or your evening in 😊🥂

Had an afternoon snooze instead of going for a walk so definitely staying in this eve, I have to be up and out by 8.30am with a packed lunch in the morning for a day in the countryside so.. I will be taking a flask of coffee, have a FR YS chicken breast defrosting I will airfry and maybe take either a salad or some soup ...but its a lot to carry of flasks ..

Free airfryer
- I tested it today - from my neighbour -  its a manual Tower one - they retailing for £70 in the argos sale. It was  good, I did absolutely clean /scrub everything  - i airfried half an aberdeen angus burger - (I looked and saw they 480 kcals each burger - they are huge! ) I normally would have one if not 1.5 but I am determined to get this visceral fat down to 3 - currently at 5..
plus I airfried  a portobello mushroom under the burger to catch the fat. The burger was quicker  definitely but cant see it was crispy. I will try some fries once this extra weight is dropped.
The thing I like about the airfryer is having to use less oil. I like oil and think its good for one but as Prof Roy Taylor said is that ultimately  calories are just that - and right now the extra 100kcals of coconut or olive oil to fry things are not needed.
the airfryer missing the rotisserie arm - i guess I can buy one but I use my halogen to roast chickens anyway - 

Its the last day of the month so I am doing one of my fav things
My monthly adding up of all my MB/trading  accts - I didnt do much this month but am up at first look over £1500  this month (similar to last) which is great. This is largely some extra place horses coming in - its the software I bought so no looking at horse names   I have also just hit over £30k made in the last few years - I lost a G sheet so dont have the first 18 months data on +l 
I can see on Ynab from Dec 23 to May 25  - 18 months I have averaged £561.27 per month on MB/CASINO/SPORTS TRADING, over £10k which as its tax free is great - this excludes the software costs which run at £600 pa

My EOM YNAB - my trip away was cheaper this year than last by about £200 Plus I have some invoices to bill for meetings I did there for others..  I think I was so aware of what I am spending out for this summer side hustle etc and waiting on payments. 
I am getting some decent monthly avg costs now I am 18 months into YNAB. 

dawnybabes

Ooh, I’ve just checked my visceral fat and I’ve dropped down to 6 (down from. 25 4 years ago ! )