Road To Financial Recovery

the_end_of_the_rainbow

FootyFanDan said:

Goals in 2025

I am putting this here as I am going to have a think about some serious goals and update these as I go along and then I can look back (hopefully on a successful year): 

1. Be accountable for my actions and be mindful of how my actions/mood affects others around me. Try appreciate just how lucky I am and be thankful for what I have.

2. Limit alcohol consumption. In theory this should be simple, I am not a huge drinker but over last few months its creeping in a bit more. First goal is get through January

3. Gambling stops! Same as above really. First goal get through January

4. Walk daily where possible. I think I need to start looking at how I can achieve this. The weekends should be easy enough. I want to start exploring the countryside more and get our little one out and about. I think its too easy when we are feeling lazy to just mindless scroll. This year is countryside and pub lunches!

5. Be more frugal, I want to enjoy things and events. However if I am being honest I have spent a lot on things that are material items and bring enjoyment but in reality can be done on a budget. 

6. Become healthier. I am in no way overweight but I think over the last 6 months my clothes would agree that I need to get a bit more in shape. I haven't really felt like exercising or eating healthy (or eating at all some days). I want to be around for the long haul so I need to buckle up and stop being lazy.


I have seen quite a lot of forum users who do daily gratitude and maybe I need to do this or maybe journal. I think I need to realise that for as rubbish as I sometimes feel there are people in the world in a lot more turmoil than myself and in reality we are very fortunate. I just want to not feel as wasteful and feel like I am showing a good example to our daughter.

If yours lookjng for motivation to get out walking, why not sign up to a virtual walking challenge. I’ve just signed up to walk from Lands End to John o’Groats & I’m finding that the virtual map that shows my progress very addictive- there are various different challenges so you can pick a length to suit you.

FootyFanDan

Lonelygambler said:

Hi mate. 

The best way to journal I find is to write down three positives and how they made me feel. I try and do this every day. 

There are lots of free apps to do this on or you use an actual book to write in. 

Hope this helps, 

LG

I used to use my notes app and did this recently, hoping I can look back on it and see progress. I noted how I was feeling when I was sat on a beach in Spain back in May and to be honest since then I haven't really acted on anything I said I was going to.  I need to take action and change things

FootyFanDan

alt80 said:

You’ve got a great set of goals there and whilst it’s !!!!!! hard for me to read it you are right about being fortunate. 

I do journaling usually when my head is in the right place, really it should be each day regardless and tbf when things are tougher is when it is most beneficial. 

Couple of thoughts on a couple of your goals alcohol and gambling; if you can work out what you’ve spent on these over the past quarter and set aside that money to invest at the end of the quarter if you have not indulged perhaps.

The alcohol is more of an health / conscious choice rather than a financial one. I dunno maybe I can just try my best, I don't drink a lot to be honest and the odd pint isn't too bad, but if I have a few I really don't like the way I feel so we will see.

The gambling is more of a financial decision, I think on balance I have probably won as much as I haven't but I am not liking the trend. Honestly its not into crazy money but I have goals for my personal spends but then use it on gambling instead so I have taken a time out and will see how much progress I can make

FootyFanDan

the_end_of_the_rainbow said:

FootyFanDan said:

Goals in 2025

I am putting this here as I am going to have a think about some serious goals and update these as I go along and then I can look back (hopefully on a successful year): 

1. Be accountable for my actions and be mindful of how my actions/mood affects others around me. Try appreciate just how lucky I am and be thankful for what I have.

2. Limit alcohol consumption. In theory this should be simple, I am not a huge drinker but over last few months its creeping in a bit more. First goal is get through January

3. Gambling stops! Same as above really. First goal get through January

4. Walk daily where possible. I think I need to start looking at how I can achieve this. The weekends should be easy enough. I want to start exploring the countryside more and get our little one out and about. I think its too easy when we are feeling lazy to just mindless scroll. This year is countryside and pub lunches!

5. Be more frugal, I want to enjoy things and events. However if I am being honest I have spent a lot on things that are material items and bring enjoyment but in reality can be done on a budget. 

6. Become healthier. I am in no way overweight but I think over the last 6 months my clothes would agree that I need to get a bit more in shape. I haven't really felt like exercising or eating healthy (or eating at all some days). I want to be around for the long haul so I need to buckle up and stop being lazy.


I have seen quite a lot of forum users who do daily gratitude and maybe I need to do this or maybe journal. I think I need to realise that for as rubbish as I sometimes feel there are people in the world in a lot more turmoil than myself and in reality we are very fortunate. I just want to not feel as wasteful and feel like I am showing a good example to our daughter.

If yours lookjng for motivation to get out walking, why not sign up to a virtual walking challenge. I’ve just signed up to walk from Lands End to John o’Groats & I’m finding that the virtual map that shows my progress very addictive- there are various different challenges so you can pick a length to suit you.

Ooo this is something I think I could totally get on board with. I like the idea of been able to work towards a target and I guess that would give me some motivation to get out. Thank you

FootyFanDan

A night for not sleeping I guess.
Hope everyone had a great Monday.
It has been a very snowy weekend here and we managed to enjoy (if that is the right word) some snow playtime which the little one and missus loved....me not so much. I am definitely not a snow person.

Today I am thankful that - 

1- Our little garden visitor (fox) came back out to play - they haven't been around for a while but was nice to wake up and see them on our ring cam. Although the fox decided to steal our carrots from the snowman we built 

2- Our drains are now fixed! Apparently our garden is one of the points it comes from the whole estate (fun times) this manhole had become badly blocked and we have now a ruined bottom part of the garden. But thankful for the speedy response from council and water company once reported.

Today ( I guess yesterday) was a decent day in work, looking like a project we are trying to push through is going to go to ****, very frustrating and is going to cause some major complaints. However I feel I have done everything I can, but not looking forward to the storm it creates so it not be done on time.

Lonelygambler

If you’re going to gamble please use the safer gambling tools. 

Don’t end up like me. A compulsive gamble who stated small then lost big with an addiction that I will never be able to truly overcome without ongoing support for the rest of my life. 

alt80

FootyFanDan said:

alt80 said:

You’ve got a great set of goals there and whilst it’s !!!!!! hard for me to read it you are right about being fortunate. 

I do journaling usually when my head is in the right place, really it should be each day regardless and tbf when things are tougher is when it is most beneficial. 

Couple of thoughts on a couple of your goals alcohol and gambling; if you can work out what you’ve spent on these over the past quarter and set aside that money to invest at the end of the quarter if you have not indulged perhaps.

The alcohol is more of an health / conscious choice rather than a financial one. I dunno maybe I can just try my best, I don't drink a lot to be honest and the odd pint isn't too bad, but if I have a few I really don't like the way I feel so we will see.

The gambling is more of a financial decision, I think on balance I have probably won as much as I haven't but I am not liking the trend. Honestly its not into crazy money but I have goals for my personal spends but then use it on gambling instead so I have taken a time out and will see how much progress I can make

Possibly better for you to just be really moderate, stick to one or two max. 

Re gambling I have to say I agree with @Lonelygambler

FootyFanDan

@Lonelygambler
@alt80

Gamstop has been completed so a very positive step in that direction .  I think some of it is boredom when I was up late and couldn't sleep, as that appeared to be the trigger.

Re the alcohol I think I am just going to see how I go with it. In general I pretty much drive everywhere so unless it's a special reason not to I think I will just leave it.

FootyFanDan

Today I am thankful for sleep.
I really didn't sleep great on Monday night and spent all day yesterday feeling rubbish. I got home at 17:30 yesterday and was tucked up asleep by 18:00 and slept through  

Also thankful for a productive day at work yesterday - we managed to pull a few strings and my project that I thought was failing isn't now going to, so that was a huge relief

Finance wise everything has left the bank now and grocery shopping has been done and under budget. I plan to make an overpayment on the debt tonight just to chip away at it.

FootyFanDan

Overpayments:-

£40.44 on the Monzo card
£22.38 on the credit card.