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Small steps lead to big changes...
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Sending some hugs - sometimes it seems like life just has it in for you doesn't it?2
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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 -
Thank you all you lovely people 😍
I'm feeling less grumpy today but that might just be because I've finished work for the weekend
DH finally has his car back, so I've got mine back too thankfully. It does make a difference! Work has been a bit easier this week as not so many meetings mean I've been able to tick a few things off.
Healthy eating just hasn't been happening. I feel rubbish for it too. Not sure if it's partly hormones too, but I'm so bloated, the scales have jumped rather terrifyingly overnight and I have no energy, especially with my knee as well. I definitely need to get back on track.
I've had my shopping delivered today with a rough plan for meals, so hopefully I can get back on track with lots of fruit and veg. I'm eating too many hot cross buns, mini eggs and creme eggs, but at least there's a deadline soon after which they won't be available again
My plan for this weekend is to finish the gloss work in the small room, then at least that will be done. I also want to focus on general tidying. The 'visual noise' with stuff dumped everywhere is overwhelming and definitely affecting my moods. I filled a black bag with stuff from the kids floor the other day, AFTER they told me they'd cleaned it all up 😡 I told them it's all going in the bin, but I'd actually better sort through it first as there's things like school uniform and shoes in there
"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 -
I'm still PADding away, even when I'm not posting.
I cashed out on PA this week too, so since my last post I've paid £14
Jan - £141
Feb - £139
March - £40
"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 -
Dont despair with the eating. You will get back to it and you know you feel better when you are eating properly but it is hard to keep going.With the kids stuff pull out the essentils and hide the rest if they dont miss it chuck it. Untidiness drives me nuts too and s you know MrLH is very untidy and doesnt know what cupboards and drawers are for.PADs are going well.3
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Well done on the PADs.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 29/7/251 -
Well done in the PAD. I hope your run of bad luck ends.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 -
Calorie counting is helping me, it means weighing up if you want the chocolate more than the real food 🤭 (I mostly do!). But you won’t be able to do it without being in the right frame of mind. I had some off years when I just couldn’t get into it at all. Much like debt, you will have a food lightbulb moment at some point, so don’t fret and when the time is right it will happen. Cutting down drastically on bread has helped me with bloating.You are doing so well with the decorating.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/p12 -
You need to be in the zone with healthy eating, it will happen but you need to be patient. Just take it one step at a time 🙂I get knocked down but I get up again (Chumbawamba, Tubthumping)3
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ladyholly said:Dont despair with the eating. You will get back to it and you know you feel better when you are eating properly but it is hard to keep going.With the kids stuff pull out the essentils and hide the rest if they dont miss it chuck it. Untidiness drives me nuts too and s you know MrLH is very untidy and doesnt know what cupboards and drawers are for.PADs are going well.
It's so frustrating isn't it. Why use a cupboard or drawer when you could just stack on the floor in front of it 😡savingholmes said:Well done on the PADs.NeverendingDMP said:Well done in the PAD. I hope your run of bad luck ends.WinterWarrior said:Calorie counting is helping me, it means weighing up if you want the chocolate more than the real food 🤭 (I mostly do!). But you won’t be able to do it without being in the right frame of mind. I had some off years when I just couldn’t get into it at all. Much like debt, you will have a food lightbulb moment at some point, so don’t fret and when the time is right it will happen. Cutting down drastically on bread has helped me with bloating.You are doing so well with the decorating.You've done so well with calorie counting. I keep trying to dabble, but it's not really for me I think. I'm too lazy for starters, and it then encourages me to eat more processed food as I can't be bothered to weigh and measure fresh food. I think SW principles work for me better, just need to stick to it!
Bread is definitely not good for me, and I think the hot cross buns are responsible for the recent gain. I only like the fresh bakery ones, not the pre-packed ones, so in a couple of weeks they'll be unavailable againSun_Addict said:You need to be in the zone with healthy eating, it will happen but you need to be patient. Just take it one step at a time 🙂
Thank you, you are right, and I'm hoping that Spring and warmer weather will bring some enthusiasm with it 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 McGee2
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