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Weight loss and healthy eating for a debt free life
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Hi @Bargainhunter30 ☺️ we can all spur each other on!
I've got a registry office booked for DP and I in May ☺️ so I'd really like to get a stone off before then! I've weighed in this morning and lost 1lb! Not much but I will take it. I should really say it is 3lb, because I put 2lb on over Christmas and am now 1lb less than my pre-christmas weight. That sounds like more so I'll take it 😂.
Day off work today so I'm having a nice tofu, pasta, salad throw together in a mo then I'll give it an hour or so and go to the gym. I've recovered ok from the other day, so I'll attempt to jog again.
I'm thinking about getting a watch with an ECG monitor on it. Does anyone here have one? They're expensive and I'm not sure it's going to be accurate enough to warrant that investment.
Fasting seems to be working better this time round, perhaps because I am eating better in the eating window..I'm having two good meals and some snacks (they're not always the best 🙈) without fasting I am a grazer from the minute I get up to the moment I go to bed. So this limits how much food I can actually consume which is why I'm doing it. I'll stick to it unless I don't see any real results in a few weeks then I might move to SW as quite a few go from work so I'd have someone to go with.Emergency Fund goal - £1000/2000
Mortgage OP goal 2026 - £1200/£4500
Read 24 books this year 14/244 -
I have a G@rmin Venu 3s, it's an older model (Venu 4 is the new one) and it's hands down the best piece of tech I own. It does have the ECG monitor, it also monitors my HRV which I've found more useful for me than ECG, but I guess it depends on the lifestyle and what you want out of your smart watch. This is not "medically proven" but my watch knows I will be ill circa 2-3 days before, so I know I have to top up on vitamins intake and get more sleep. Sleep monitoring, stress levels, and HRV is why I got it in the first place, and it was worth the money. Love the long battery life too. I've been using G@rmin watches for maybe a decade now, so shout if you've got any questions, you can do some research or read up on R3ddit, some stories are really fascinating.
Mortgage: £173,700 Sep 22 £157,700 Feb 26
MF Date: Sep 52 Mar 52
CC Debt: £15,250 Nov 25 £9,200 Feb 26
NSD: Jan: 17/31 | Feb: 12/28
2026 Challenges:
MFiT-T7 #5
DFbyXMAS #7
Sealed Pot Challenge #022
2026 Grocery Challenge: 20/01 - 19/02 £132.79/£200
2026 Grocery Challenge: 20/02 - 19/03 £31.85/£200
2 -
Oooh, perfect timing @RedLipstick!!
My ancient fitbit is old and tired, its App is very glitchy and my employers currently have a perks deal for 40% off all Garmin kit .... However, I am a bit confused ... the garmin website says that the battery life on the cheapest most basic fitness watch-type tracker is '1 year' - but is that it?? Does it then die and you have to get a new watch or can you recharge it. I suspect this is a very dumb question but I can't get my head around the details on their website ...
What is HRV?
And what model would you go for of their fitness trackers - I'm not a great sportsperson, nor do I intend to be.
I use my FitBit for steps, mileage and periodic heart rate check-ins. Is it worth me going for something more than the basic spec or will the basic model do for me?
KK
As at 21.05.26:
- When bought house £315,995 mortgage debt and end date at start = October 2039 - now £215,607
- OPs to mortgage = £18,925 Estd. interest saved = £9,670 to date
c. 16 months reduction in term
Fixed rate 3.85% ends October 2030
Read 33 books of target 52 in 2026 as @ 20th May.
Produce tracker: £119 of £400 in 2026
Watch your thoughts, they become your words.
Watch your words, they become your actions.Watch your actions, they become your reality.1 -
I have an old Garmin Vivoactive 4S that was my partners first. He likes to kill the batteries after a year or two, but I managed to revive this one and it works fine for me. I'm not sure what he does to them, I had similar issues with iPhones, they always died after 18 months. I like the Garmin but don't use most of the features.Mortgage start date Nov 2014 - £90,545 over 25 years
Re-mortgage Oct 2017 - 78,295 over 23 years
Re-mortgage Jan 2020 - 55,000 over 26 years @ 1.94%
Current Mortgage Outstanding Middle December 2020 - £47893.35 - a reduction of £42,652 in just over 6 years!2 -
Oo thanks @RedLipstick @bargainhunter30 I was actually looking at the g8rmin ones ...I want the ECG monitor on one so will look for the one you have. I'm not a sports woman really but am trying to get a bit fitter and have weird heart palpitations and pain when exercising too hard (too hard equals very slow jog 😑) so just want to check heart before I push myself through this. @KajiKita 40% deals are amazing! I will see if I can find any deals too before purchasing.
I've been to the gym and did a slow jog again. 23 mins of walk, jog, and 1.5miles. We had lunch before we went which was nice and DP managed to take an hour out of his day to join me in the gym. Also did sauna for a bit but I think the gym have done a bit of a recruitment drive and it was pretty busy everywhere.
Edited to add I can get a discount on the venu 3s but it's still £343.99 😱 I'll think about it.... 🤔🙈
Emergency Fund goal - £1000/2000
Mortgage OP goal 2026 - £1200/£4500
Read 24 books this year 14/242 -
I have g4rmin - and previously had F1tbit then fruity watch. I have a vivo which is basically a watch that counts your steps, compact and unobtrusive. I also have an all singing all dancing one that tracks everything. Well, it would if I used it properly. I swap between the two depending on what I am doing. It is worth keeping an eye on the deals websites as there are regular offers, especially if you don't need/want the latest one.My mortgage free diary: +++ Divide by Cucumber Error. Please reinstall universe and reboot+++
GNU Mr Redo1 -
I went for a F1tbit it was half the price of a g@rmin and I managed to stack some cashback so got 10% back via TCB and TCB vouchers. It was the cheapest way I could find to do it so I ended up buying it on c^rrys as it worked out cheaper than going through the BL discount and the f1tbit website. What a palava.Emergency Fund goal - £1000/2000
Mortgage OP goal 2026 - £1200/£4500
Read 24 books this year 14/242 -
@debtfreewannabe321 Congratulations for setting a date and booking the registery office for your wedding! Exciting times for you this year!2026 financial goals & challenges!
1). Mortgage (started Jan 2024) £98,254.64/ £122,400.00 Overpayment total: £1460.47 (Inc Sprive yr 1 & 2 o/p £70.93, £5.52 Natwest o/p & £55.34 reg monthly overpayment) Equity 33%
2). #47 Save 1p a day challenge 2026 £96.47/£780
3). £2741.53/£3000.00 - Investment ISA
4). CC debt - £21,148.38. Aiming for £19,999.99 31/12/2026
5). £252.66 / £1000.00 - EF
6). Lose weight, get fitter and read 12 books in 12 months in 2026. 2 out 12 COMPLETED1 -
Hey everyone,I had a message from 'Myfitnesspal' that today is National give up day ie the day when most people chuck in the new years resolutions. I'm actually just finding my feet and enjoying cutting down on my eating. Like some of you I'm doing fasting. I haven't been as strict as I could be but whatever I am doing it is working as I have been slowly loosing some weight and have been good at sticking to fasting times 8:16.We've had bad snow and ice where I live for the past week so haven't been able to get out and do exercise. Today though because of the storm a lot of the ice has now melted so I could get out for my morning walk. There was a lot of high waves which was very entertaining (I live in a coastal town). I did call my OH and we had an impromptu breakfast in a locally well known cafe overlooking the sea which was lush! I was good mind and had scrambled eggs on toast. It was really filling and couldn't finish it! This is not like me at all. Hopefully this will keep us filled up till dinner time.I don't know anything really about the fitness watches. I had a cheap one from the 'big forest' and was happy with that, it was basic though. It was more of a step tracker and sleep monitor than anything scientific. Have a good day everyone.2026 financial goals & challenges!
1). Mortgage (started Jan 2024) £98,254.64/ £122,400.00 Overpayment total: £1460.47 (Inc Sprive yr 1 & 2 o/p £70.93, £5.52 Natwest o/p & £55.34 reg monthly overpayment) Equity 33%
2). #47 Save 1p a day challenge 2026 £96.47/£780
3). £2741.53/£3000.00 - Investment ISA
4). CC debt - £21,148.38. Aiming for £19,999.99 31/12/2026
5). £252.66 / £1000.00 - EF
6). Lose weight, get fitter and read 12 books in 12 months in 2026. 2 out 12 COMPLETED1 -
I meant to post this here yesterday but accidentally posted on @debtfreewannabe321 diary instead
Morning all,Hope you are having a good saturday so far.Made it out again for a walk - we actually had errands to run. This was quite funny. We have a small holiday apartment in the same town we live in. We needed to take the Christmas tree down and meet our handyman for a couple of small jobs. Jobs done, nothing too exciting except the replacement bag for the Christmas tree was much larger than anticipated. It must have fit a good 8 - 9 ft tree. Now baring in mind this tree was 5ft. My poor partner had the indignity of carrying the bag from one side of town to the other. We don't have a car so very used to carrying things from A to B. It really did look dodgy, just glad the bag was in red and clearly was related to Christmas but boy it was massive! Lesson learnt, next time we will get a taxi! Total steps so far 3.7k.That was yesterday - today its blowing a gale but determined to get out for a bit of exercise so have an egg boiling on the stove. Going to have this as brunch with some other bits and going to give it a go to get the steps. Wish me luck. Hope everyone else is having a good weekend.
2026 financial goals & challenges!
1). Mortgage (started Jan 2024) £98,254.64/ £122,400.00 Overpayment total: £1460.47 (Inc Sprive yr 1 & 2 o/p £70.93, £5.52 Natwest o/p & £55.34 reg monthly overpayment) Equity 33%
2). #47 Save 1p a day challenge 2026 £96.47/£780
3). £2741.53/£3000.00 - Investment ISA
4). CC debt - £21,148.38. Aiming for £19,999.99 31/12/2026
5). £252.66 / £1000.00 - EF
6). Lose weight, get fitter and read 12 books in 12 months in 2026. 2 out 12 COMPLETED2
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