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2022 - Moving forward

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  • jwil
    jwil Posts: 21,931 Forumite
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    I've finished at a decent time today which is good.  I'm frustrated though as the time I had allocated for tackling my big urgent tasks is rapidly filling up with meetings that I can't turn down.

    My GP texted me to say that they are holding a cervical smear testing open evening later this month.  You can just drop in and have a test.  That's good news as I've been meaning to book mine for ages, but just can't find a convenient time.  This will mean I can tick off a frog from my to do list without any hassle with juggling work and school etc.  Fab idea!

    Sleep and diet still not great but I did make the effort to walk the kids to school this morning so small victory achieved.


    "If you can dream it, you can do it". Walt Disney
  • Well done walking with the children. I find as long as I stick to TRE the damage of a poor diet tends not to be too great. You'll be back on track soon  :)
    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
  • savingholmes
    savingholmes Posts: 28,971 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Great news on the bargains. 

    Well done for ticking things off the health to do list.
    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: 21,931 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Well done walking with the children. I find as long as I stick to TRE the damage of a poor diet tends not to be too great. You'll be back on track soon  :)
    Thank you :)  I really hope the TRE will be my saving grace and that I get myself organised again.

    Great news on the bargains. 

    Well done for ticking things off the health to do list.
    Thank you :)  
    "If you can dream it, you can do it". Walt Disney
  • jwil
    jwil Posts: 21,931 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Today's PAD - £2 and £2 for every day this week.

    Jan - £126
    Feb - £106
    Mar - £136
    Apr - £122
    May - £113
    June - £108
    July - £177
    August - £115
    September - £92
    October - £87
    November - £26
    "If you can dream it, you can do it". Walt Disney
  • jwil
    jwil Posts: 21,931 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Such a busy week this week.  I've achieved lots but still not completed lots too.  Hopefully I'll have fewer meetings next week so can get on.

    It's my weekend now though!  Tomorrow little miss has an assembly and then I'm heading into town with my Mum.   The kids have swimming in the evening.   This weekend we are hoping to do the prep for the electrics, emptying the loft etc.  I'm hoping they will confirm they've received the payment.  They seem to contact on a Friday, so if I haven't heard anything tomorrow I'll message them.
    "If you can dream it, you can do it". Walt Disney
  • beanielou
    beanielou Posts: 95,530 Ambassador
    Part of the Furniture 10,000 Posts Academoney Grad Mortgage-free Glee!
    Whispers what is TRE?
    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.
    ***Keep plodding*** Out of debt, out of danger. ***Be the difference.***
    One debt remaining. Home improvement loan.
  • savingholmes
    savingholmes Posts: 28,971 Forumite
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    beanielou said:
    Whispers what is TRE?
    Time restricted eating - eat less hours of the day - better for the body and reduces the temptation window
    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: 21,931 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    beanielou said:
    Whispers what is TRE?
    beanielou said:
    Whispers what is TRE?
    Time restricted eating - eat less hours of the day - better for the body and reduces the temptation window
    Yes, exactly this.  I try and eat all my food between 9am and 7pm - a 10 hour eating window with a 14 hour fast.  Lots of studies have shown that eating like that rather than spread out over around 15 hours which most of us do, helps with blood sugars and other health outcomes, even if you don't change your diet.  For me, I eat less too as no evening snacking.

    10 hour eating window suits me really well and you can choose what hours suit your lifestyle best.  Others do a 12 hour eating window, or an 8 hour eating window.  8 hours will probably get even better results, but 10 hours seems to be a sweet spot between seeing benefits and it actually being manageable for a lot of people.  I think they suggest that where possible you stop eating 2-3 hours before bedtime but other than that you can do any window of time.  You can drink water and unsweetened black tea/coffee outside of the eating window, but no milk or sugar or anything containing calories.  Obviously continue to take any meds etc at normal times.
    "If you can dream it, you can do it". Walt Disney
  • jwil
    jwil Posts: 21,931 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Today's PAD - £6 and £2 yesterday.

    Jan - £126
    Feb - £106
    Mar - £136
    Apr - £122
    May - £113
    June - £108
    July - £177
    August - £115
    September - £92
    October - £87
    November - £34
    "If you can dream it, you can do it". Walt Disney
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