Debt, Diet and Decluttering - The Lifetime Diary

_Dolly_Rocker_

Does anyone else get the urge to sort every single issue in their life at the same time, get totally overwhelmed then bury their head in the sand or is that just me? 

I can't just focus on one thing at a time, my brain will not allow it so here I am again tackling the following;

• Pay off £7,450.68 - Lloyds CC
• Pay off £40,758.08 - Mortgage
• Lose weight - Goal weight 10st
• Sort my house out
• Use up stash of - stationary, toiletries, clothes, shoes
• Buy to replace and only what is NEEDED

Honestly couldn't write it. I just picked up my phone to check my mortgage balance, noticed a notification on FB then spent 15 minutes scrolling on there before I remembered why I was even on my phone in the first place. 

I've written down all my payments for the year to pay off the CC. I'll pay extra as and when I can to see if I can get rid of that any sooner but right now I'm on target to be PIF by December 2025. 

For the mortgage I'll just pay that monthly but aim to make an overpayment at some point between now and end of the year. I pay £342.00 a month so would like to make an overpayment of at least £684.00 - I have no reason for this amount but its on paper now so I'm sticking with it. 

Last time I weighed I was 16st 1lbs - so quite a bit to lose but this will also help out on the financial side because I keep Just Eat in business - so bad! Really need to rein that in. 

The house, well I really really really struggle to keep on top of household chores so that it builds up to the point I need to deep clean everywhere and honestly its just draining me emotionally. 

I know everyone says that if you do something for so many weeks it forms a habit but not for my brain - I can't do that so everything seems like a massive task but I digress - still going to try!

I shall also be more active on here and not let this diary slip like the ones before. 

So daily posting even if I have nothing really to post about!

Also seen a challenge for PAD - Payment a day, now I love the sound of that but I was thinking something more achievable for me would be PAW - Payment a week - also love dogs so this just sits better with me. 

Might set up a challenge, I can pay to debt, mortgage then when that's all paid off I can add to savings. 

I can't wait to have savings!

_Dolly_Rocker_

2025 Debt Repayments
£680.68 - 11022025 - (£6,770.00)
£677.00 - 
£677.00 - 
£677.00 - 
£677.00 - 
£677.00 - 
£677.00 - 
£677.00 - 
£677.00 - 
£677.00 - 
£677.00 - 

Notes

_Dolly_Rocker_

Just closed 3 CC accounts;

• Tesco
• MBNA
• Virgin

I've still got 2 active, Sainsburys and Lloyds. 

Until I'm out of debt and have an emergency fund I feel like I need to have something there as a back up. 

Just need to stop using them for unnecessary spends!

vampirotoothus

Hi I would set your mortgage DD to £350 then you are overpaying each month. It may be little, but it all helps. V x

_Dolly_Rocker_

Oh that's an idea! Didn't even know I could do that. I'll have a look into it on the app now. 

Thank you @vampirotoothus

_Dolly_Rocker_

All done! From March I will be overpaying my mortgage. 

Only £8 a month but still steps in the right direction. 

bubblycrazy

Your opening sentence is me to a tee! I'm also terrible for picking up my phone and an hour later still not doing the thing I went on for. I'm also terrible at household chores, and keeping my MSE diary updated! 
Mine's probably undiagnosed ADHD.

Good luck in your journey, well done for updating your mortgage DD, every little helps. 

vampirotoothus

_Dolly_Rocker_ said:

Oh that's an idea! Didn't even know I could do that. I'll have a look into it on the app now. 

Thank you @vampirotoothus

You're welcome. Who is your mortgage with as that was very easy for you to do?

powerspowers

Good luck Dolly. I found having some alternatives for takeaways really helped. So keeping a few things in the freezer for when i cba to cook (those fancy fresh pasta things are a winner). Or putting jacket pots in the oven earlier on the day if I know we’ll be late home and tempted. We also do “fakeaway night” so supermarket pizza or Indian ready meal once a week. It’s slightly cheaper than ordering in and slightly less fattening (do not team it up with ice cream!) but still feels like a treat. It does become a routine. My partner and I were in a habit of takeaway/eating out 2 or 3 times a week and we’re down to once or twice a month now. 

_Dolly_Rocker_

@bubblycrazy - I'm almost 100% sure mine is undiagnosed ADHD too. My sister is keeps telling me I am the poster child for it. 

@vampirotoothus - I'm with Nationwide so it let me change it via a link on the mobile app. 

@powerspowers - Yeah that's what I need to do! I'm so unorganised which doesn't help so end up starving and just ordering in. 

_Dolly_Rocker_

Morning all. 

So I have the day off work today but got lots to do!

- Need to try on dresses for a wedding I've got on Saturday
- 2 paid dog walks
- Drop car off to the garage
- Shopping - meeting Mum and Sister for this so wee catch up at the same time
- Tidy up
- Change bedding
- Organise laundry
- Check funds 
- Register my new boiler warranty