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Spendy Wendy to Saver Savvy

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  • @Suffolk_lass, yes of course. 

    So I am determined to hit some of my personal goals (as I have my financial goal this year) and I have found that having a spreadsheet that I maintain keeps me on track. I've read a few self development books over the past year and the reoccurring advice is to track. what gets rewarded gets repeated, habit stacking and also focusing only on a few habits as opposed to lots whilst addressing the process rather than focusing on the goal / end result. So I plan to create a chart, in Excel, that lists 100 days and my 5 daily habits that I want to build up; 

    * drink 2l water
    * read for 20 minutes
    * movement for 20 minutes (this could be a walk, workout or even intense mopping, as long a I am moving faster than I would be usually and break a bit of a sweat)
    * brush teeth PM - I do sometimes forget and wake up in the night needing to brush my teeth so I am hoping that by reinforcing this habit that it improves my sleep further
    * Bed by 10pm, lights out

    I will build formula into the tracker so that it calculates daily and total % completion so I don't have to. Then each month I will review progress and see what I need to improve / change. I am also going to track my weight so that I can see if the movement and water are helping, or if I need to introduce a more robust calorie count / healthy eating habit - but, if possible, I want to keep it as easy and maintainable as possible. 

    The only rule... I can't skip a habit on two consecutive days, so if I don't read tomorrow then I have to read on Wednesday (I've already read this morning). 

    I hope I've explained it well enough :)
    Mortgage (MFD 04/2053) (Jan 25) £238,983.71. Overpayment set to £200 per month. Current: £234,483.39
    Car Balloon Payment £12,243.60, due Nov 25. Saved £12,243.60 (100%)!

    2025 goals:
    23 / 25 books
    7 / 24lbs lost
    £1000 / £1000 EF 

    DFW Diary: Spendy Wendy to Saver Savvy — MoneySavingExpert Forum
  • liselle
    liselle Posts: 161 Forumite
    Seventh Anniversary 100 Posts
    Oh good plan! I now clean my teeth at night directly after clearing away the dinner things, then I know it’s done.
  • Sun_Addict
    Sun_Addict Posts: 24,476 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    I know people who use the Finch app for habit tracking. Great to have a plan for the things you want to become habits and track consistency. 
    I get knocked down but I get up again (Chumbawamba, Tubthumping)
  • FootyFanDan
    FootyFanDan Posts: 1,748 Forumite
    Sixth Anniversary 1,000 Posts Photogenic Name Dropper
    Another vote for the finch app, although i was a bad finch owner and neglected him…oopsie.

    You are making fab progress with the decluttering. 
  • Spendywendywoo
    Spendywendywoo Posts: 328 Forumite
    100 Posts Photogenic Name Dropper
    Is the Finch app expensive? I’m trying to cut out subscriptions, if I can but if it does have good reviews then it may be worth it 
    Mortgage (MFD 04/2053) (Jan 25) £238,983.71. Overpayment set to £200 per month. Current: £234,483.39
    Car Balloon Payment £12,243.60, due Nov 25. Saved £12,243.60 (100%)!

    2025 goals:
    23 / 25 books
    7 / 24lbs lost
    £1000 / £1000 EF 

    DFW Diary: Spendy Wendy to Saver Savvy — MoneySavingExpert Forum
  • Sun_Addict
    Sun_Addict Posts: 24,476 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Is the Finch app expensive? I’m trying to cut out subscriptions, if I can but if it does have good reviews then it may be worth it 
    It's free. There's a paid version but people say you don't really need it. Having said that I don't use it just know people who swear by it. 

    It's the same with the FitOn app you can get brilliant content without subscribing. I subscribed to the paid version for a year and found I didn't use the extras so went back to the free one. 
    I get knocked down but I get up again (Chumbawamba, Tubthumping)
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