We'd like to remind Forumites to please avoid political debate on the Forum... Read More »
📨 Have you signed up to the Forum's new Email Digest yet? Get a selection of trending threads sent straight to your inbox daily, weekly or monthly!
Small steps lead to big changes...
Comments
-
I've had a few bad days with anxiety, but the last couple of days have been feeling a bit better. I did some listing for DH yesterday so hopefully they will sell. I bought myself a new raincoat as I only have my winter coat and it's too warm for that. I think I've almost replaced my whole wardrobe over the last month, but haven't spent huge amounts so that's good.
I'm going to go into the office today for a bit as I haven't been in for ages. I'll leave in time to pick up little miss and finish at home.
Little jwil's off on an overnight school trip already this weekend. We'll probably try and do something with little miss.
I'm going to try and book my HBA1C test this week. No point in putting it off, it won't really make any difference. I have mostly stopped eating chocolate, no white bread and have switched other things as well. No weight loss though *sigh*. You'd think cutting several bars a day would make a bit of a difference! I haven't replaced them with anything else other than some fruit and have started walking again. 🙄"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 McGee4 -
Sugar levels didn’t sky rocket overnight so it takes a while for the benefit of the incremental changes. It’s a bit like pads to reduce a mortgage. Keep doing what you’re doing and it’ll come right.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.3
-
Good luck with getting back out of the danger zone.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 29/7/251 -
Drink lots of water to help.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 -
Thank you. I know the test measures 3 months, so it won't make any real difference in terms of that. It does feel like they've skyrocketed though as I've gone from low 40s to high 40s in 6 months or so, whilst the previous 2 years they were consistently low 40s and only just into prediabetes level.in_need_of_direction said:Sugar levels didn’t sky rocket overnight so it takes a while for the benefit of the incremental changes. It’s a bit like pads to reduce a mortgage. Keep doing what you’re doing and it’ll come right.
I'm more annoyed that I've cut several hundred calories from my daily diet over the last couple of weeks but not lost any weight!
Thank yousavingholmes said:Good luck with getting back out of the danger zone.
Thank you. I do pretty much only drink water now, but I can always up it.beanielou said:Drink lots of water to help."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 McGee3 -
I've actually done over 10k steps today which is a lot for me! It was actually a productive day in the office today where I got to see some people I don't normally see, including one of those who is leaving, so it was nice to see them."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 McGee4
-
Well done.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.2 -
Congrats on the increased stepsAchieve 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 29/7/251 -
Well done on the steps and glad you had a nice catch up at the officejwil said:I've actually done over 10k steps today which is a lot for me! It was actually a productive day in the office today where I got to see some people I don't normally see, including one of those who is leaving, so it was nice to see them.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...2 -
beanielou said:Well done.savingholmes said:Congrats on the increased steps
Thank you allNeverendingDMP said:
Well done on the steps and glad you had a nice catch up at the officejwil said:I've actually done over 10k steps today which is a lot for me! It was actually a productive day in the office today where I got to see some people I don't normally see, including one of those who is leaving, so it was nice to see them. "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 McGee0
Confirm your email address to Create Threads and Reply
Categories
- All Categories
- 351.2K Banking & Borrowing
- 253.2K Reduce Debt & Boost Income
- 453.7K Spending & Discounts
- 244.2K Work, Benefits & Business
- 599.3K Mortgages, Homes & Bills
- 177.1K Life & Family
- 257.7K Travel & Transport
- 1.5M Hobbies & Leisure
- 16.2K Discuss & Feedback
- 37.6K Read-Only Boards