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2022 - Moving forward

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  • jwil
    jwil Posts: 22,015 Forumite
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    Today's PAD - £2, yesterday, £4
    Jan - £126
    Feb - £106
    Mar - £136
    Apr - £122
    May - £113
    June - £80
    "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: 22,015 Forumite
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    I've got over my rage now.  I haven't eaten well the last couple of days, but I've still avoided the chocolate!  So I am achieving something, even if it's not showing on the scales.  If I can stick it out for a month or more, then hopefully I will break the habit.  I'm forgetting that I'm all about making small but permanent changes.  It's not going to show immediately on the scales, but hopefully there will be a good result on my next blood test.

    Anyway, back to MSE stuff.

    The credit reference agency has not accepted my dispute.  I'll have to look at what to do now.  Luckily there's been no activity on any of my financial accounts, so that's a good thing.

    DH has sold a bulky item so that's another good thing.

    "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
  • another_casualty
    another_casualty Posts: 6,506 Forumite
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    Just catching up ..
    sorry also to hear about your identity fraud issues . Hopefully all will be sorted .
    well done on the sarcastic responses to that creditor . 

    As for the scales ..🤦‍♂️  Every 6 weeks is approx the right timescale to weigh yourself .
    No wonder you're feeling crabby at times . I suppose it could be worse , and that  you're not being impatient at a microwave . Please excuse the sarcasm 😼

    Everything else sounds great , and I'm envious of your tackling of the chocolate.

    I'll leave it there ...😼
  • jwil
    jwil Posts: 22,015 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    another_casualty said:
    Just catching up ..
    sorry also to hear about your identity fraud issues . Hopefully all will be sorted .
    well done on the sarcastic responses to that creditor . 

    As for the scales ..🤦‍♂️  Every 6 weeks is approx the right timescale to weigh yourself .
    No wonder you're feeling crabby at times . I suppose it could be worse , and that  you're not being impatient at a microwave . Please excuse the sarcasm 😼

    Everything else sounds great , and I'm envious of your tackling of the chocolate.

    I'll leave it there ...😼
    Thank you :)
    "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: 28,974 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Well done for the small changes... I still can't resist choc so not sure that's such a small thing. You should be proud.
    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 29/7/25
  • jwil
    jwil Posts: 22,015 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    savingholmes said:
    Well done for the small changes... I still can't resist choc so not sure that's such a small thing. You should be proud.
    This has been my downfall for so many years - to the extent I'd feel panicky if there wasn't any chocolate in the house.  I really don't know how I've managed it so easily this time.  But I'm celebrating while I can!
    "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: 22,015 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Today's PAD - £2
    Jan - £126
    Feb - £106
    Mar - £136
    Apr - £122
    May - £113
    June - £82
    "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
  • in_need_of_direction
    in_need_of_direction Posts: 7,742 Forumite
    Part of the Furniture 1,000 Posts Photogenic Name Dropper
    Is your end of month report going to show chocolate free days?
    Mortgage at 01.01.14 £119,481.83:eek: today £0 Emergency fund £5.5/5.5k & £200/200 cash.:jWeight 24/02/19 14st 7lb now 12st determined to stop defining myself by my mistakes. Progress not perfection.:T100%through my 1% mortgage challenge. 100% through my pb challenge.
  • beanielou
    beanielou Posts: 95,667 Ambassador
    Part of the Furniture 10,000 Posts Academoney Grad Mortgage-free Glee!
    Celebrate while you can  :grin:

    For me I think I need to go to having none in the house.
    The other day I had a LOT of chocolate sauce on my strawberries. 
    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.
  • retiredandskint
    retiredandskint Posts: 852 Forumite
    Part of the Furniture 500 Posts Debt-free and Proud!
    Just quickly popping in.  It's taken me ages to catch up on your diary.   You've done so well on your PADs and reducing debt.  So easy to get  into but so hard to get out of.  I like your working four long days so you can have a day off especially if you can make it your day doing the things that give you pleasure.

    I've had to commute back to my father-in-law's who was taken poorly, went into hospital and caught Covid.  Sadly he never recovered.  I've had to deal with his funeral, Probate and getting his house ready to sell.  In-between this my own health hasn't been the best and although chemo stopped 18 months ago I'm still having blood transfusions.  

    I feel your pain regarding weight.  My orthopaedic consultant lectures me on losing weight before I can have my right knee replaced.  He knows I have Lipedema and Lymphedema and no matter how much weight I lose my legs are not going to get thinner.  Ironically I lost weight when I had cancer and was told to eat pastries, have butter, full fat milk and yoghurt.

    Have a great weekend 
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