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2022 - Moving forward
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I agree, bread is too much….but, toast!!Not all who wander are lost - J.R.R.Tolkien
🌊 A smooth sea never made a skilled sailor 🌊
My WW and friends diary is here 😁 …
https://forums.moneysavingexpert.com/discussion/6259606/must-try-harder/p13 -
well done on the climbing. Glad you had a lovely break in Cornwall. You were so lucky weather-wise too!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) 25/0720253 -
Agree about bread.
It does me no favours.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.3 -
Glad you had a good break.Achieve FIRE/Mortgage Neutrality in 2030
1) MFW Nov 21 £202K now £174.8K Equity 32.77%
2) £1.6K Net savings after CCs 14/8/25
3) Mortgage neutral by 06/30 (AVC £25.3K + Lump Sums DB £4.6K + (25% of SIPP 1.2K) = 31.1/£127.5K target 24.4% 15/8/25
4) FI Age 60 income target £16.5/30K 55.1%
5) SIPP £4.8K updated 29/7/252 -
So glad you had a lovely break. I’m the same with bread but I love toast and it’s so easy!3
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I know, it's such a convenient breakfast!!WinterWarrior said:I agree, bread is too much….but, toast!!
Thank youdoingitanyway said:well done on the climbing. Glad you had a lovely break in Cornwall. You were so lucky weather-wise too!
We were so lucky with the weather!
It's such a shame when it's nice!beanielou said:Agree about bread.
It does me no favours.
Thank yousavingholmes said:Glad you had a good break.missymoo81 said:So glad you had a lovely break. I’m the same with bread but I love toast and it’s so easy!
Thank you It is so easy and convenient in the mornings! "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 McGee2 -
Today's PAD - £7, plus £2 for Tuesday and £5 for WednesdayJan - £126Feb - £106Mar - £136Apr - £122May - £39"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 McGee2
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Well that's me done for the week
I weighed myself this morning, ahead of my course tomorrow and have put on 1/2 stone. I'm heavier than ever! 😭 Why can't I get a grip! 😡 I'm hoping it's just a bit of residual water retention from the weekend, and all the bread recently, but I can't kid myself. I need to flipping do something about this! It's not like I'm just a few lb overweight, it's many stones so I can't afford to get any bigger!
I've cancelled my delivery saver, I have a month left then I'm going to go back to shopping in store. If nothing else it's a little movement as I go around the store and carry shopping! I need to get back to the habit of meal planning.
I've got to take the dog to the vet tomorrow for a dental, so I'm going to find out about the cat and the arthritis at the same time. Then hopefully I'll have a little time to myself before picking up the kids."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 McGee2 -
Hope the cat and dog are ok 🐕🐈⬛It's not easy to concentrate on weight with family and responsibilities . You have my sympathy , as you seem to be always on the go which is great.Obviously , I'm not a dr but from a food point of view , organic and vegan is better but blooming expensive . Brown bread always ( but not hovis 🤢🤮) . Home made jam instead of 'ordinary ' stuff etc . Home made chips instead of mccains etc . You get the picture .
no crisps 😼 just a thought .
you are doing well on pads and everything ..2 -
Same here…I was a bit horrified weighing myself as I’m a stone higher than my last ‘top weight’. The hardest thing is finding the enthusiasm to cook from scratch after work…convenience food is so convenient! I’d rather thrown in some mccains than start peeling…sigh!Not all who wander are lost - J.R.R.Tolkien
🌊 A smooth sea never made a skilled sailor 🌊
My WW and friends diary is here 😁 …
https://forums.moneysavingexpert.com/discussion/6259606/must-try-harder/p13
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