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The Three C's - Coffee, Clothes & Credit Cards

1222325272862

Comments

  • Had a bit of a scare this evening, had email saying my credit score had updated. Logged on to check it only to see it say new Lloyds account added. I was like WHAT!! Quickly logged into my Lloyds to only discover my old saver had given me interest taking it from inactive to active. So that was £49.72 quickly transferred across.

    I've put £25 into my savings pots and remainder into my football fund. We've decided on my first away game and now I have almost enough to cover both train ticket and football ticket wahooo. Going to purchase train ticket soon so can get advanced rates. If it changes for any reason i'll just have a day out in London instead. But it shouldn't as sky have announced all the games that will be live past October already. Football ticket won't go on sale for another week or so yet so have time to find missing £6-7. Then the process starts over again! 

    I'll try and add more items to vinted this week and maybe fb marketplace for some bigger items. Need to clear my spare room it's become my dumping ground. 
    *Dad loan - £5300 - £7200
    *Virgin Credit Card - £3552.50 - £0
    *Natwest - £1828.35 -£0.00

    Barclaycard - £2315.25 - £0.00

    Creation Finance - £960.32 £840
    *Total debt - £8040/£11641.17*


    Savings
    *Savings Buffer - £100/£1500
    *Emergency Fund - £1500/£1500


    New diary- https://forums.moneysavingexpert.com/discussion/6474943/the-three-cs-coffee-clothes-credit-cards/
  • How are you finding the fasting its something I have never tried?

    Are you doing anything else like tracking steps or water intake etc?
    Actually easier than I thought. I usually get hungry in that last hour. It's helped with the evening snacking alot. I'm calorie counting, aiming for high protein, low sugar. Rebuilding my steps with the aim being to go back to the gym in next couple weeks once my back has settled down. 

    I've just started reading your diary, about 1/4 way through. 
    Back??? I hope your okay

    I use myfitnesspal and I have a diet guru lol costs me 50quid a month but it keeps me accountable.

    Ace re reading the diary its being abit of a journey but in a great place now.
  • How are you finding the fasting its something I have never tried?

    Are you doing anything else like tracking steps or water intake etc?
    Actually easier than I thought. I usually get hungry in that last hour. It's helped with the evening snacking alot. I'm calorie counting, aiming for high protein, low sugar. Rebuilding my steps with the aim being to go back to the gym in next couple weeks once my back has settled down. 

    I've just started reading your diary, about 1/4 way through. 
    Back??? I hope your okay

    I use myfitnesspal and I have a diet guru lol costs me 50quid a month but it keeps me accountable.

    Ace re reading the diary its being abit of a journey but in a great place now.
    Yep got a dodgy back and over did it again gym and now can't get it to settle. Been seeing chiropractor and massage therapist. Chiro says not much more they can do as all muscular now. Doesn't help that I have a desk job 🙄 I use Nutracheck for my calories and have a fitbit for my steps. 

    Just finished your diary this evening. Definitely one hell of a ride you've been on and end is in sight for you. Glad things have worked out. 
    *Dad loan - £5300 - £7200
    *Virgin Credit Card - £3552.50 - £0
    *Natwest - £1828.35 -£0.00

    Barclaycard - £2315.25 - £0.00

    Creation Finance - £960.32 £840
    *Total debt - £8040/£11641.17*


    Savings
    *Savings Buffer - £100/£1500
    *Emergency Fund - £1500/£1500


    New diary- https://forums.moneysavingexpert.com/discussion/6474943/the-three-cs-coffee-clothes-credit-cards/
  • How are you finding the fasting its something I have never tried?

    Are you doing anything else like tracking steps or water intake etc?
    Actually easier than I thought. I usually get hungry in that last hour. It's helped with the evening snacking alot. I'm calorie counting, aiming for high protein, low sugar. Rebuilding my steps with the aim being to go back to the gym in next couple weeks once my back has settled down. 

    I've just started reading your diary, about 1/4 way through. 
    Back??? I hope your okay

    I use myfitnesspal and I have a diet guru lol costs me 50quid a month but it keeps me accountable.

    Ace re reading the diary its being abit of a journey but in a great place now.
    Yep got a dodgy back and over did it again gym and now can't get it to settle. Been seeing chiropractor and massage therapist. Chiro says not much more they can do as all muscular now. Doesn't help that I have a desk job 🙄 I use Nutracheck for my calories and have a fitbit for my steps. 

    Just finished your diary this evening. Definitely one hell of a ride you've been on and end is in sight for you. Glad things have worked out. 
    I am in the same boat I have a desk job and work nights 8pm-7am.  I feel your pain re your back injury I have slipped two discs in my back in the past the only advice I can give is what works for me.

    I tend not to at work sit for more than 20-25 without getting up and walking even if its just to the kitchen and back, others things i do is on me breaks i go for 2 20minute walks around the block. It does all help trust me. 
  • How are you finding the fasting its something I have never tried?

    Are you doing anything else like tracking steps or water intake etc?
    Actually easier than I thought. I usually get hungry in that last hour. It's helped with the evening snacking alot. I'm calorie counting, aiming for high protein, low sugar. Rebuilding my steps with the aim being to go back to the gym in next couple weeks once my back has settled down. 

    I've just started reading your diary, about 1/4 way through. 
    Back??? I hope your okay

    I use myfitnesspal and I have a diet guru lol costs me 50quid a month but it keeps me accountable.

    Ace re reading the diary its being abit of a journey but in a great place now.
    Yep got a dodgy back and over did it again gym and now can't get it to settle. Been seeing chiropractor and massage therapist. Chiro says not much more they can do as all muscular now. Doesn't help that I have a desk job 🙄 I use Nutracheck for my calories and have a fitbit for my steps. 

    Just finished your diary this evening. Definitely one hell of a ride you've been on and end is in sight for you. Glad things have worked out. 
    I am in the same boat I have a desk job and work nights 8pm-7am.  I feel your pain re your back injury I have slipped two discs in my back in the past the only advice I can give is what works for me.

    I tend not to at work sit for more than 20-25 without getting up and walking even if its just to the kitchen and back, others things i do is on me breaks i go for 2 20minute walks around the block. It does all help trust me. 
    Yes my problem is I get too engaged in my work and then don't move for several hours. I also need to start taking a proper break and like you say go for a walk. Right now I just take 10 mins for lunch and then finish early. 
    *Dad loan - £5300 - £7200
    *Virgin Credit Card - £3552.50 - £0
    *Natwest - £1828.35 -£0.00

    Barclaycard - £2315.25 - £0.00

    Creation Finance - £960.32 £840
    *Total debt - £8040/£11641.17*


    Savings
    *Savings Buffer - £100/£1500
    *Emergency Fund - £1500/£1500


    New diary- https://forums.moneysavingexpert.com/discussion/6474943/the-three-cs-coffee-clothes-credit-cards/
  • Happy Monday. Majority of my direct debits have gone out this morning including £100 to dad loan, £50 to virgin CC and £25 to natwest CC. The interest payments rounded up to £10 have gone to emergency fund and I have updated my signature. 

    No plans for spending today as sent both my vinted parcels last night so shouldn't need to leave the house. Well except to go for a walk as I need to get some steps in. 

    I have 1.5hrs left on my fast, I am starting to get hungry now. Weighed this morning and down 3lbs since Saturday, most of that will be water weight but it's a step in right direction. 
    *Dad loan - £5300 - £7200
    *Virgin Credit Card - £3552.50 - £0
    *Natwest - £1828.35 -£0.00

    Barclaycard - £2315.25 - £0.00

    Creation Finance - £960.32 £840
    *Total debt - £8040/£11641.17*


    Savings
    *Savings Buffer - £100/£1500
    *Emergency Fund - £1500/£1500


    New diary- https://forums.moneysavingexpert.com/discussion/6474943/the-three-cs-coffee-clothes-credit-cards/
  • I also have a desk job, use nutracheck and count my steps. I know they say exercise is such a small part of weight loss, but on the weeks I manage to get my steps in every day I usually go down a touch and on the weeks I can’t manage it when work and life take too much time up I slide back up. I just can’t seem to get any loss to stick, even though I count everything. Fasting is a bit extreme for me, but 3lb’s is amazing! 
    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/p1

  • Scott_Weiland79
    Scott_Weiland79 Posts: 169 Forumite
    Fourth Anniversary 100 Posts Photogenic Name Dropper
    edited 2 September 2024 at 10:01AM
    Anything you do to get in a calorie deficit on a regular basis is a good way too drop. Hydration is a big one too.

    Doing alot of steps and tracking them helps have a look at this I know its approximate and other factors are involved like age/fitness/weight/metabolism/ pace etc but it all helps. Doing 1000 steps you will burn ish 40-60 cals I do lots of like tricks to boost them. 

    If you have to talk a personal call wander about as your on the call. 

    If your at work and its quiet get up and wander

    Never use lifts 

    And try and do 5-10 minute walks after eating it helps with digestion when your standing.

    Doing laundry only get stuff out of the machine 2-3 items at a time



     
  • Scott_Weiland79
    Scott_Weiland79 Posts: 169 Forumite
    Fourth Anniversary 100 Posts Photogenic Name Dropper
    edited 2 September 2024 at 10:02AM
    How are you finding the fasting its something I have never tried?

    Are you doing anything else like tracking steps or water intake etc?
    Actually easier than I thought. I usually get hungry in that last hour. It's helped with the evening snacking alot. I'm calorie counting, aiming for high protein, low sugar. Rebuilding my steps with the aim being to go back to the gym in next couple weeks once my back has settled down. 

    I've just started reading your diary, about 1/4 way through. 
    Back??? I hope your okay

    I use myfitnesspal and I have a diet guru lol costs me 50quid a month but it keeps me accountable.

    Ace re reading the diary its being abit of a journey but in a great place now.
    Yep got a dodgy back and over did it again gym and now can't get it to settle. Been seeing chiropractor and massage therapist. Chiro says not much more they can do as all muscular now. Doesn't help that I have a desk job 🙄 I use Nutracheck for my calories and have a fitbit for my steps. 

    Just finished your diary this evening. Definitely one hell of a ride you've been on and end is in sight for you. Glad things have worked out. 
    I am in the same boat I have a desk job and work nights 8pm-7am.  I feel your pain re your back injury I have slipped two discs in my back in the past the only advice I can give is what works for me.

    I tend not to at work sit for more than 20-25 without getting up and walking even if its just to the kitchen and back, others things i do is on me breaks i go for 2 20minute walks around the block. It does all help trust me. 
    Yes my problem is I get too engaged in my work and then don't move for several hours. I also need to start taking a proper break and like you say go for a walk. Right now I just take 10 mins for lunch and then finish early. 
    Haha you sound like my other half I have to drag her out on walks after work. And badger her to take breaks

    Honestly it will help your back, it will stop everything compressing and tightening up and causing ouchyness

    Well done on the loss 3lb result
  • I also have a desk job, use nutracheck and count my steps. I know they say exercise is such a small part of weight loss, but on the weeks I manage to get my steps in every day I usually go down a touch and on the weeks I can’t manage it when work and life take too much time up I slide back up. I just can’t seem to get any loss to stick, even though I count everything. Fasting is a bit extreme for me, but 3lb’s is amazing! 
    It sounds extreme but your asleep for most of it anyway. It just stops the mindless eating in evening and delays breakfast slightly in morning. 

    Fortunately I am only mid 30s so still young enough that when I am 100% on it I can get good loss. It will probably go down to 1-2lb loss a week after this first week. 

    How are you finding the fasting its something I have never tried?

    Are you doing anything else like tracking steps or water intake etc?
    Actually easier than I thought. I usually get hungry in that last hour. It's helped with the evening snacking alot. I'm calorie counting, aiming for high protein, low sugar. Rebuilding my steps with the aim being to go back to the gym in next couple weeks once my back has settled down. 

    I've just started reading your diary, about 1/4 way through. 
    Back??? I hope your okay

    I use myfitnesspal and I have a diet guru lol costs me 50quid a month but it keeps me accountable.

    Ace re reading the diary its being abit of a journey but in a great place now.
    Yep got a dodgy back and over did it again gym and now can't get it to settle. Been seeing chiropractor and massage therapist. Chiro says not much more they can do as all muscular now. Doesn't help that I have a desk job 🙄 I use Nutracheck for my calories and have a fitbit for my steps. 

    Just finished your diary this evening. Definitely one hell of a ride you've been on and end is in sight for you. Glad things have worked out. 
    I am in the same boat I have a desk job and work nights 8pm-7am.  I feel your pain re your back injury I have slipped two discs in my back in the past the only advice I can give is what works for me.

    I tend not to at work sit for more than 20-25 without getting up and walking even if its just to the kitchen and back, others things i do is on me breaks i go for 2 20minute walks around the block. It does all help trust me. 
    Yes my problem is I get too engaged in my work and then don't move for several hours. I also need to start taking a proper break and like you say go for a walk. Right now I just take 10 mins for lunch and then finish early. 
    Haha you sound like my other half I have to drag her out on walks after work. And badger her to take breaks

    Honestly it will help your back, it will stop everything compressing and tightening up and causing ouchyness

    Well done on the loss 3lb result
    Yes I'm not the best at making myself get up and move. It is easier at home as my cat will come disturb me after a few hours. But I'm going to take your advice and schedule a lunch time and post work short walk. Build myself back up again.

    I also need to get back into habit of using the adjustable bit of my desk. My new chair I'd definitely comfier and I have ordered an under desk foot rest so that I stop leaning forward on my elbows! So £13 spent on amazon today for that. Also paid £14 for my train ticket for football in October. 

    No other expenses planned for today now. 
    *Dad loan - £5300 - £7200
    *Virgin Credit Card - £3552.50 - £0
    *Natwest - £1828.35 -£0.00

    Barclaycard - £2315.25 - £0.00

    Creation Finance - £960.32 £840
    *Total debt - £8040/£11641.17*


    Savings
    *Savings Buffer - £100/£1500
    *Emergency Fund - £1500/£1500


    New diary- https://forums.moneysavingexpert.com/discussion/6474943/the-three-cs-coffee-clothes-credit-cards/
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