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2022 - Moving forward

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  • jwil
    jwil Posts: 22,000 Forumite
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    Is your end of month report going to show chocolate free days?
    Ooh, what a good idea!  I'll try and work back.  Thank you :)

    beanielou said:
    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. 
    Thank you :)  I definitely need to have none in the house - it's so easy to go back to the old habits of just grabbing something quick.  Mind, I wouldn't be counting chocolate sauce as it's not a bar :D:D:D 
    "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: 22,000 Forumite
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    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 
    Lovely to hear from your retired, I often wonder how you are :)

    Sorry to hear about your Father in Law, what a lot for you to deal with.

    That must be so frustrating about your orthopaedic consultant.    It's totally blooming different when it's at least partly caused by a medical issue!  I still have butter, full fat milk (not that I drink it) and yoghurt.  The more I read, I just can't justify eating the low fat versions - there is little difference in calories, and less processing in the full fat versions!
    "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: 22,000 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Today's PAD - £2, yesterday £2
    Jan - £126
    Feb - £106
    Mar - £136
    Apr - £122
    May - £113
    June - £86
    "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
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    Sounds a full on few days.

    Well done on the diet change. 

    I'll have to look at the coverless duvet. Sounds fab.
    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: 22,000 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Sounds a full on few days.

    Well done on the diet change. 

    I'll have to look at the coverless duvet. Sounds fab.
    Thank you :)  The coverless duvet is a revelation to 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: 22,000 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Today's PAD - £6
    Jan - £126
    Feb - £106
    Mar - £136
    Apr - £122
    May - £113
    June - £92
    "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
  • NeverendingDMP
    NeverendingDMP Posts: 2,223 Forumite
    Seventh Anniversary 1,000 Posts Name Dropper
    Glad you had a nice weekend and well done in the no chocolate. Just wondering how many of us have gone to Google coverlover less duvets. I never knew they existed either till you said. Very tempted.
    Jan 18 Joint debts 35,213

    Mortgage Jan 18- 77224 May 25- just under 65k

    June 25 Debts in my name only £5170. DH can't keep track...
  • Humdinger1
    Humdinger1 Posts: 2,303 Forumite
    Eighth Anniversary 1,000 Posts Name Dropper
    @jwil only on p90 but jumping in as I've been diagnosed with full-blown diabetes.  I have about 2 stone to lose.  It was a massive shock but am now firmly with the programme.  Some cases can be reversed and that is what I'd love to do.  I've been massively overdoing the carbs for years and I know it. Plus eating cake over lockdown...lots and lots of cake followed by Marmite on toast. And the chocolate; well, surely it would have been rude not to, with it glaring at me?!  After the first weeping and ranting was over,  I actually reflected on how lucky I was to have it picked up.  Will return with comments on what's helped but wanted to let you know how much I love your diary and how appreciated you are.  Onwards and upwards love Humdinger xx 
  • Glad the weekend break was good . 
    Good to see that you found out what Cadbury chocolate is really like . 

    @Humdinger1 sorry to hear about your diagnosis . However , it does seem that you are in the right frame of mind to reduce and possibly defeat it . The initial shock of being told the bad news is always the hardest part , but facing it full on and conquering / minimalising it is the way forward . 
    @retiredandskint , I haven't read your diary but you seem to be managing everything really well with what has been thrown at you . 

    Anyway, I'll leave it there ..😼
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