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Prosperous soul embraces creativity & mortgage neutrality
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I think TRE could be a good option for me to control my food intake. I had porridge just before bed so effectively had 2 meals yesterday - but more importantly reduced the time I spent eating junk food. I did slip in some meringues, a spoon of ice cream from DD and strawberries and raspberries so that was delicious! Yesterday's experiment showed how much mindless eating I do. I think if I reduce the 'window' I do that in - over time I can learn to say no to so called 'treats' more often and teach my body they are an unnecessary habit. Watch this space.
Today I am off to the hairdressers - so will be distracted from food for a while.
I may go and visit an NT property later.Achieve FIRE/Mortgage Neutrality in 2030
1) MFW Nov 21 £202K now £171.8K Equity 36.37%
2) £2.6K Net savings after CCs 10/10/25
3) Mortgage neutral by 06/30 (AVC £27.9K + Lump Sums DB £4.6K + (25% of SIPP 1.25K) = 34/£127.5K target 26.6% 10/10/25
(If took bigger lump sum = 60.35K or 47.6%)
4) FI Age 60 income target £17.1/30K 57% (if mortgage and debts repaid - need more otherwise) (If bigger lump sum £15.8/30K 52.67%)
5) SIPP £5K updated 10/10/258 -
I did a w30 once a few years ago and it really made me realize how much of my time was spent either getting food or eating it. Mindless indeed.5
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If it's any consolation I ate chocolate spread today
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Lou~ Debt free Wanabe No 55 DF 03/14.**Credit card debt free 30/06/10~** MFW. Finally mortgage free O2/ 2021****
"A large income is the best recipe for happiness I ever heard of" Jane Austen in Mansfield Park.
***Fall down seven times,stand up eight*** ~~Japanese proverb. ***Keep plodding*** Out of debt, out of danger. ***Be the difference.***
One debt remaining. Home improvement loan.6 -
cheeky Nando's for me, but my DD was paying as a treat for me helping her move rentals. Although the cash probably came from me as I subbed some of her moving costs - but still free food has 0 calories rightI think I saw you in an ice cream parlour
Drinking milk shakes, cold and long
Smiling and waving and looking so fine7 -
Thanks Mark, Beanie and @WelshmansDaughter
BIL is coming today to do some DIY. So obviously I've left it to today to tidy up and find things like the bolts and parts to a desk I bought last Autumn that I'd like him to put together. Even now all I've done is pack the dishwasher and he's due in the next hour or two!! When just in time turns into last minute, skin of the neck race to look like I'm remotely organised. He's bringing my nephew which should be fun. Luckily he's similar so was due to arrive in 20 mins but now thinks it could be closer to 11.30-12. Works for me.
DD went out last night and stayed with a friend so peaceful start to the day. DD is going back with BIL later as she has just one day at the far away site tomorrow and he only lives 10 miles from there. She hasn't asked for a lift back so hoping Ex is sorting that.Achieve FIRE/Mortgage Neutrality in 2030
1) MFW Nov 21 £202K now £171.8K Equity 36.37%
2) £2.6K Net savings after CCs 10/10/25
3) Mortgage neutral by 06/30 (AVC £27.9K + Lump Sums DB £4.6K + (25% of SIPP 1.25K) = 34/£127.5K target 26.6% 10/10/25
(If took bigger lump sum = 60.35K or 47.6%)
4) FI Age 60 income target £17.1/30K 57% (if mortgage and debts repaid - need more otherwise) (If bigger lump sum £15.8/30K 52.67%)
5) SIPP £5K updated 10/10/256 -
I didn't make it to an NT place yesterday - but went to a local market town. I got some 8 books for £2 for a little niece's upcoming birthday in a CS. I bought myself a royal blue top and a dress from an independent shop. £46 including 1 matching necklace so pleased with that. The top felt like a luxury - as I have a few things that colour already - but they don't quite fit (as in I need to lose weight) but this does. The dress was in unusual colours for me - black background with some pinks and browns in palm frond type leaves but it seemed to go really well with my hair which is apparently 'violet-red' now as I went a shade darker again.
I gave DS a nudge for getting organised for his graduation. I sent him £50 so he could order the gown and cap - he hadn't done it even though it's now less than 4 weeks away!! Roll eyes. I've asked him to try and get half back from his Dad and then return me that half but said if his Dad wouldn't pay I still would. I also got him to book a pub so we can go for a meal to celebrate. We've decided not to do a photo package - there didn't seem to be one anyway. I suggested he ask his Dad to bring his posh camera.
Those spends do mean that I'm unlikely to add to EF this month. Oops. At the same time - the last few years I've bought mainly plain t-shirt style dresses from Am**** so nice to have things I tried on and that make me feel good rather than just 'cover' me!Achieve FIRE/Mortgage Neutrality in 2030
1) MFW Nov 21 £202K now £171.8K Equity 36.37%
2) £2.6K Net savings after CCs 10/10/25
3) Mortgage neutral by 06/30 (AVC £27.9K + Lump Sums DB £4.6K + (25% of SIPP 1.25K) = 34/£127.5K target 26.6% 10/10/25
(If took bigger lump sum = 60.35K or 47.6%)
4) FI Age 60 income target £17.1/30K 57% (if mortgage and debts repaid - need more otherwise) (If bigger lump sum £15.8/30K 52.67%)
5) SIPP £5K updated 10/10/2510 -
Hope you managed to find all the bits.
Dress sounds adorable.
The photo package would have been expensive and results posed. Set your phone camera to high def and take your own, by being HD they'll enlarge better than on a normal setting.Mortgage started 2020, aiming to clear 31/12/2029.6 -
Thanks, that looks really interesting - I'm going to have a listen!Merlin's_Beard said:
Just One Thing is the name of the thing - lots of episodes about small things you can do to improve health that are official study-linked.skint_spice said:Maybe I am not allowed to post links but there is a Michael Mosley show on the bbc sounds app about standing on leg."Good financial planning is about not spending money on things that add no value to your life in order to have more money for the things that do". Eoin McGee5 -
I'm considering time restricted eating too - I think it will reduce the overall quantity I eat and help with my sugars as well."Good financial planning is about not spending money on things that add no value to your life in order to have more money for the things that do". Eoin McGee4
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Thanks MF and Jwil
I didn't eat today until around 4.45pm. TRE really seems to be working for me. My weight was great this morning.
Well BIL used an axe!!! to cut down half of a twin trunked tree and to hack down all the branches. I am going to put copper nails into the remaining trunk in the hope it doesn't grow back again. He also cleared a load of ground. I have landscape fabric already - but went and bought 4 packs of bark (£36!) for now to put where he cleared stuff. I filled my bin and half of a neighbours but luckily it gets emptied tomorrow and I can put some more in. I am absolutely whacked and I didn't do even 10% of BIL's activity. There were loads of bedding plants on clearance - most at 50p so bought a load which I need to plant up over the coming week. Where I've planted bedding plants in pots over the last 2-3 weeks they are becoming more established so they are already making everywhere prettier. My nephew enjoyed doing some pruning and I watched him while he rode his bike up and down and tried to do tricks.
I had to buy a new garage light as it had failed - BIL told me what to buy - nearly £30 gone there. BIL put the garage light in position but there was something left to do which he has asked DD to sort for me. He says she knows what to do. He replaced a curtain rail for me - the old one had broken and I had a spare. He also assembled my sit and stand desk! So happy about that. I've had it about 8 months in pieces so I finally have it in the right room. Before BIL came I spent about an hour shifting stuff out of that room and hoovering etc. I've managed to get the stuff I moved into DS's wardrobe or the airing cupboard. There's still space left in both.
I've just sent BIL £30 of fuel £ as he's been several times to help and it is a trek for him. Really appreciate his time. I also gave him a book as a thank you. As long as sis takes me I will go to the thanksgiving type service for my relative who died. The crem funeral is earlier in the day but not invited to that bit. We may be able to meet up with DS for a meal while we are there too. My boss suggested I take 2 days off as I'll be wiped if we go there and back in a day. I now feel better about the extra day off as I'm thinking of decorating the room we just put the desk into. My spend today and any new paint will eat into my savings - but worth it. Over £100 spent today - but would have been far worse if I'd had to pay someone for labour as well as the materials.
I can't believe how much he got done in 3.5 hours. He seemed to really enjoy wood cutting though. Said it was very therapeutic!Achieve FIRE/Mortgage Neutrality in 2030
1) MFW Nov 21 £202K now £171.8K Equity 36.37%
2) £2.6K Net savings after CCs 10/10/25
3) Mortgage neutral by 06/30 (AVC £27.9K + Lump Sums DB £4.6K + (25% of SIPP 1.25K) = 34/£127.5K target 26.6% 10/10/25
(If took bigger lump sum = 60.35K or 47.6%)
4) FI Age 60 income target £17.1/30K 57% (if mortgage and debts repaid - need more otherwise) (If bigger lump sum £15.8/30K 52.67%)
5) SIPP £5K updated 10/10/2510
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