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What Small Things Will You Do This Week? 08/11/21?
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Makes a lot of sense thanks @EssexHebridean
Re the driving, it's the same whether OH is with me or not. Although weirdly the road feels a bit less frenetic when I'm driving compared to OH. He's a good driver but he's more "overtakey" than me - sensible overtaking but more of it,
It's the other drivers that freak me out. Just so many cars zipping all over the place, I worry about crashingLBM 11/06/2010: DFD 30/04/2013Total repaid: £10,490.314 -
I get that - we had one of those nights going home last night that just felt like every second driver on the road was a complete idiot - I actually said to MrEH (who was driving) at one point that if someone granted me 3 wishes right then I would blow one of them on miraculously being back home immediately without having to do the rest of the drive! What I would say is that the drivers who aren't aware of the other cars whizzing about and who don't have at least a healthy respect for the possibility of crashing are probably far more likely to actually do so - a degree of defensiveness is a good thing IMO. The trick is probably to turn it towards making you decisive and confident, rather than nervous and hesitant - if you can do that you will have it cracked.🎉 MORTGAGE FREE (First time!) 30/09/2016 🎉 And now we go again…New mortgage taken 01/09/23 🏡
Balance as at 01/09/23 = £115,000.00 Balance as at 31/12/23 = £112,000.00
Balance as at 31/08/24 = £105,400.00 Balance as at 31/12/24 = £102,500.00
£100k barrier broken 1/4/25SOA CALCULATOR (for DFW newbies): SOA Calculatorshe/her4 -
Thanks all, I've not got Covid just a cold!
on another note, I'm thinking of leaving my full time job of 5 years and going full time with Sainsburys!I’m a Forum Ambassador and I support the Forum Team on Debt Free Wannabe boards and spending & discounts 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.
Debt owed;Salad Money - £616.47/£1200 JAJA - £679.70/ £900 Zable - £338.60/£1300 = £1,634.77
Time to start a fresh. — MoneySavingExpert Forum
Time to start a Fresh part 2, 2022! — MoneySavingExpert Forum
New fresh diary for 2023! — MoneySavingExpert Forum
https://forums.moneysavingexpert.com/discussion/6494873/fresh-diary-for-2024#latest
https://forums.moneysavingexpert.com/discussion/6577209/fresh-diary-for-2025/p1?new=15 -
Sorry for missing most of this week, feel a bit rundown (doctor thinks it is long covid).
Today I have/will:
1. Checked online banking
2. NSD
3. Clean car (had MOT yesterday sadly she failed but had the money to pay for repairs)
4. Read free book
5. Meals from stores
6. Duolingo Welsh
7. Write meal plan ready to go food shopping tomorrow
8. Write shopping list
Get well soon to all that are feeling illTesco: £1361.19, Vanquis: £2644.73, Very: £563.08, Next: £1636.95, M&S: £1049.92. As of 5th February 2024. Slava Ukraini6 -
Hi guys
ate one for me. Not loads on the dfw front. The day was going so swimmingly until I booked a day's wellness retreat for next March
going with someone from here so should be a laugh
Today I had my supervision session following my one day placement last week. I passed the readiness for practice and got really positive feedback so that was nice
Other than that I've eaten from stores and made a batch of Thai chicken & rice soup, put away a mountain of washing, took dog for a groom, and worked on an essay. About to sit down to read.DF as at 30/12/16
Wombling 2025: £87.12
NSD March: YTD: 35
Grocery spend challenge March £253.38/£285 £20/£70 Eating out
GC annual £449.80/£4500
Eating out budget: £55/£420
Extra cash earned 2025: £1956 -
Morning nearly Afternoon!
Not much going on here either, just thinking about the Sainsburys job. I've been offered to work 8 hours a day (4am-12PM) or (5AM-1PM) Paid break, staff discount and incentives. I would be on £81 per shift 5 days a week. So looking at around £320 better off a month AND I get the rest of my day/evening to myself. I'm really considering it.I’m a Forum Ambassador and I support the Forum Team on Debt Free Wannabe boards and spending & discounts 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.
Debt owed;Salad Money - £616.47/£1200 JAJA - £679.70/ £900 Zable - £338.60/£1300 = £1,634.77
Time to start a fresh. — MoneySavingExpert Forum
Time to start a Fresh part 2, 2022! — MoneySavingExpert Forum
New fresh diary for 2023! — MoneySavingExpert Forum
https://forums.moneysavingexpert.com/discussion/6494873/fresh-diary-for-2024#latest
https://forums.moneysavingexpert.com/discussion/6577209/fresh-diary-for-2025/p1?new=15 -
@jadewest94 if you will be better off and you enjoy it and don't mind the hours, why not? My friend has worked for them for a few years now, started in the cafe, but has moved around to different roles and shifts. She works on the checkouts currently.Worked 10-2 today and I had to walk there (and back) as OH had the car, so not much else done yet.Popped into W*itrose on the way back for some bread, some fruit and an aubergine - I have 2 smallish ones that I grew myself that want using, so got another one to make a worthwhile curry.I had hoped to catch up on some gardening this afternoon, but it is raining on and off today, and is pretty wet.4
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Today I have/will:
1. Checked online banking
2. Had £30 left over in bank so have paid £15 off Tesco cc and £15 off M&S cc
3. Set budget for next week
4. Duolingo Welsh
5. Surveys
6. Catch up tv
7. Meals from storesTesco: £1361.19, Vanquis: £2644.73, Very: £563.08, Next: £1636.95, M&S: £1049.92. As of 5th February 2024. Slava Ukraini5 -
Morning folks!
A foggy start here but the sun is out now and it looks lovely. Laid in bed last night having a good think. Between getting sick in 2019, the pandemic, being made redundant and the gym I went to closing, things have gone topsy turvey in the health department. I'm moving so much less than I used to (I used to walk to work so was doing at least 4 miles a day - I used to hit 15000-20000 steps a day, no issue). Now my gym is a car journey away, work is a car journey away and I only get a 30 min lunch break (which we tend to work through - but pace at work generally relaxed). Plus the workouts at this new gym are more intense so I can't train as often because I'm tired and sore atm.
Going to pop my thoughts/plans down on here so that I actually do them:
Gym: 2 x per week (or 3 as I improve)
Days I work from home: Go for a half hour walk at lunchtime
Days I'm in the office: Go for a 20 min walk at lunchtime, get OH to pick me up in local village after work so I walk there (takes approx 20 mins from the office)
Try to be on my feet more at home instead of slopping about on the couch with my knitting
Stetch at least 2 x per week
I might do the odd walk before work as well. I'm considering a fitbit again so that I can monitor my activity/progress. I had a One which I loved (then it went through the washing machine!), a ChargeHR which didn't measure my heart rate well for Crossfit at all (seems common reading online), and a Flex (no idea where it came from?) which didn't suit my wrist.
Does anyon have any recent experience of fitness trackers and can recommend? I had a whoop last year and I hated it.
In other news, I was feeling creative last night and channeled my inner @determined_new_ms and pulled out the sewing machine. Made myself a lovely new patchwork draught excluder. Stuffed it with filling that I'd saved from old pillows. Total spend £0. It looks pretty swish too, even if I do say so myself.
Small things today:B/L/D from stores. Enchiladas using yellow sticker wraps
Peeled, chopped and froze last apples from the allotment
Allotment mission with OH. Might harvest some brussel sprouts. Plant out winter lettuces, plant honeybrry bushes.
Washing out on line
Possibly get into the garden a bit if time/inclination
Prep things for the gym tomorrow
Plan week on planner
Have a good one all
clf xLBM 11/06/2010: DFD 30/04/2013Total repaid: £10,490.312 -
Garmin. All. The. Way. 😂 Had a FitBit Charge 2 that was brilliant and I loved, but at a bit over 3 years old the screen cracked. Replaced with a Charge 3 which was atrocious - just so many things wrong with it I can’t even begin. They replaced it with another Charge 3 which was atrocious again - same faults. I raised a not-fit-for-purpose complaint and said I wanted money back but all they would offer were yet more replacements - in the end I gave up. FitBit are getting a LOT of bad press these days and IMO it’s deserved, essentially unless you have one of their “Flagship” trackers (read “the really expensive ones”) or one of the very newly released ones they’re not interested - as soon as your tracker becomes obsolete in their eyes they basically withdraw any meaningful support. Their support forums are FULL of unhappy people, and it would be even worse if they didn’t delete so many posts for “breaking community guidelines” - not though they can tell you what guideline exactly it is you’ve broken - not being fanboy enough, I suspect! 😂
I’ve replaced with a Garmin Vivoactive 4S which I love - I had a Forerunner 35 previously which I used purely for running so I knew their watches were good. The vivoactive IS pricier but in my opinion it’s good VFM as it does so much, and nearly all of it better/more reliably than the pieces of throwaway carp that 5h1tb1t are peddling these days.I like your considered approach to the health stuff - CrossFit’s something I love the idea of but I suspect would be too hard on my knees - plus there’s not really anywhere close enough to suit to do it either. It’s difficult when your routine has to change and makes it hard to get activity in when you’ve previously done a lot more steps for example. Days I Cycle to the office from where we park the car and then take the bike back to the car at lunchtime I do a LOT less steps but I have to remind myself that I am still getting the activity - it’s just in shorter but more intense bursts. On other days I do try to get in at least a mile walked at lunchtime, and often now more than that, and also often do another short walk after work too, once the bike is back in the car.Today is going to be a bits & bobs day here.- slow cooker stew cooked overnight for lunch - I’ll add dumplings and it will get reheated in the oven.- both had toast for breakfast including using up a loaf from the freezer.- garden bits to do
- track down the new battery for MrEH’s key to my car to see if his keycard has died or not
- sort out the bits from the old car that are sitting in the front room. I suspect a lot are throwable.- make a decision on the preloved cold-box we were gifted a while ago - it’s a less practical design than our existing one and I think it’s going to go to the charity shop TBH.
- remind MrEH to pay his credit card share across then that can be put to bed for the month.- a walk this morning so MrEH can get his paper
- probably a walk somewhere this afternoon - locally perhaps to make it a No Car Day?- Possibly a NSD - can’t think why not.- get a tub of bolognese sauce out of the freezer for tomorrow’s easy tea.- make (probably) sweet chilli sauce with gifted 🌶’s
- get things ready for tomorrow/the week
- WM through tonight.Wishing everyone a nice relaxing Sunday!🎉 MORTGAGE FREE (First time!) 30/09/2016 🎉 And now we go again…New mortgage taken 01/09/23 🏡
Balance as at 01/09/23 = £115,000.00 Balance as at 31/12/23 = £112,000.00
Balance as at 31/08/24 = £105,400.00 Balance as at 31/12/24 = £102,500.00
£100k barrier broken 1/4/25SOA CALCULATOR (for DFW newbies): SOA Calculatorshe/her3
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