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2022 - Moving forward

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  • jwil
    jwil Posts: 21,992 Forumite
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    Another cooler day which is lovely.  This is the sort of temps I like (c.20 degrees).  Warm enough to enjoy, cool enough to still do stuff.

    Quiet day at home today as I've got my pre-diabetes course.  I can then potter around after.  I think I'm 1lb down from last time.  It's so frustrating.  I've made all these changes but still no weight loss!  All they see is BMI. :(  It's blooming soul destroying.
    "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 McGee
  • savingholmes
    savingholmes Posts: 28,973 Forumite
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    Hi Jwil

    Remember the non scale victories you've been having - like losing inches and fitting into other clothes. I'm pretty much staying the same at the moment too. Sometimes I then find I'll lose some in a rush. You are still getting benefits if you are holding steady rather than increasing. 

    Glad you had time at the beach.

    Love the gamstop proposal. What a fab solution.
    Achieve FIRE/Mortgage Neutrality in 2030
    1) MFW Nov 21 £202K now £174.8K Equity 32.77%
    2) £2.6K Net savings after CCs 6/7/25
    3) Mortgage neutral by 06/30 (AVC £24.3K + Lump Sums DB £4.6K + (25% of SIPP 1.2K) = 30.1/£127.5K target 23.6% 29/7/25
    4) FI Age 60 income target £16.5/30K 55.1%
    5) SIPP £4.8K updated 29/7/25
  • jwil
    jwil Posts: 21,992 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Hi Jwil

    Remember the non scale victories you've been having - like losing inches and fitting into other clothes. I'm pretty much staying the same at the moment too. Sometimes I then find I'll lose some in a rush. You are still getting benefits if you are holding steady rather than increasing. 

    Glad you had time at the beach.

    Love the gamstop proposal. What a fab solution.
    Thank you, I do need to focus on the other benefits, and scales are bad for me!!
    "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 McGee
  • jwil
    jwil Posts: 21,992 Forumite
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    My course was very disappointing  today, I was so frustrated anyway, and the course leader (not the usual one) was trying to get me to publicly post my weight in the chat which I refused to do.  I had submitted it via email as we are asked to do, and they say that it is optional anyway.  I was not impressed!  I did pack up my attitude and take part, but I'm not getting any benefit from this course at all.  It's probably good if you don't know about healthy eating etc, but I know all this stuff, I am looking for motivation and inspiration not basic facts.  Four more sessions to go I think!  Honestly, I used to get so much more from attending SW.  I'd quite like to go back, but the focus on the scales is not good for my mental health.  I might see how I get on the rest of this year, and maybe go back next year if I haven't made significant progress.  My next blood test is due in December, so that will tell me if I'm making any difference.

    After that was over, I have been in the garden for most of the afternoon.  I've put in some border edging that I bought the other day, and now have ordered 3 more sets (I wanted to be sure I liked them first).  I've done a lot of weeding, and emptied some part used bags of compost on to those areas to mulch them.  That has gotten rid of a pile of rotting plastic bags in the garden so is a massive result in itself.  The borders will help keep the soil on the beds rather than spreading across the garden.  That one bit looks so much better.

    My neighbour came round to check whether the tree scratching had stopped.  He had tried chopping it from his bedroom window, and mentioned that the branches had gone into our garden.  I am not bothered about that, and it's nice not to have the scraping any more, which was like fingernails running down a blackboard! 😖  I told him how grateful we were :)


    "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 McGee
  • SusieT
    SusieT Posts: 1,267 Forumite
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    If you are eating and drinking healthily, exercising more (even if it jigging around while you wash the dishes!) and from this you are losing inches then you must be doing something right. I would continue the course as it may give you some nuggets of information in the next few sessions, and then concentrate on what you are already doing and hope that the next blood tests show an improvement. 
    Your neighbour will be happy that you have seen a difference especially as he sounds to have made a big effort for you :)
    Credit card debt - NIL
    Home improvement secured loans 30,130/41,000 and 23,156/28,000 End 2027 and 2029
    Mortgage 64,513/100,000 End Nov 2035
    2022 all rolling into new mortgage + extra to finish house. 125,000 End 2036
  • beanielou
    beanielou Posts: 95,644 Ambassador
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    That is so not on.
    I would have told them to bumble bee off  :(
    I am a Forum Ambassador and I support the Forum Team on Mortgage Free Wannabe & Local Money Saving Scotland & Disability Money Matters. If you need any help on those boards, do let me know.Please note that Ambassadors are not moderators. Any post 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 & not the official line of Money Saving Expert.

    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.
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  • savingholmes
    savingholmes Posts: 28,973 Forumite
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    I would have refused too. Well done for standing your ground 
    Achieve FIRE/Mortgage Neutrality in 2030
    1) MFW Nov 21 £202K now £174.8K Equity 32.77%
    2) £2.6K Net savings after CCs 6/7/25
    3) Mortgage neutral by 06/30 (AVC £24.3K + Lump Sums DB £4.6K + (25% of SIPP 1.2K) = 30.1/£127.5K target 23.6% 29/7/25
    4) FI Age 60 income target £16.5/30K 55.1%
    5) SIPP £4.8K updated 29/7/25
  • doingitanyway
    doingitanyway Posts: 10,000 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Mortgage-free Glee!
    Glad you have the confidence to tackle your health in your own way.
    10 year fix has proved to be an excellent idea and will give you peace of mind
    Enjoyb the weekend
    If you have built castles in the air, your work should not be lost; that is where they should be. Now put the foundations under them

    Emergency fund 100/1000
    Buffer fund 0/100
    Debt Free (again) 25/072025
  • jwil
    jwil Posts: 21,992 Forumite
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    SusieT said:
    If you are eating and drinking healthily, exercising more (even if it jigging around while you wash the dishes!) and from this you are losing inches then you must be doing something right. I would continue the course as it may give you some nuggets of information in the next few sessions, and then concentrate on what you are already doing and hope that the next blood tests show an improvement. 
    Your neighbour will be happy that you have seen a difference especially as he sounds to have made a big effort for you :)
    Thank you.  You are right.  I will continue the course, I've made the effort so far.  I hope to see some changes by the time my next bloods are done.

    beanielou said:
    That is so not on.
    I would have told them to bumble bee off  :(
    I would have refused too. Well done for standing your ground 
    It was so out of order.  In everything they send us, they say submitting your weight is optional but they would like it as it helps track success.  They give several ways of submitting it, and I always do via email or an online link.  I post in the chat that I've done it, and they are always happy with that.  This person however, wouldn't accept it and kept on.  I did stand my ground though.

    Glad you have the confidence to tackle your health in your own way.
    10 year fix has proved to be an excellent idea and will give you peace of mind
    Enjoyb the weekend
    Thank you.  I'm not sure tackling it in my own way is being too successful at the moment, but hopefully it will all eventually catch up with me!
    "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 McGee
  • jwil
    jwil Posts: 21,992 Forumite
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    Today's PAD - £2
    Jan - £126
    Feb - £106
    Mar - £136
    Apr - £122
    May - £113
    June - £108
    July - £177
    August - £12
    "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 McGee
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