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  • FIRST POST
    • fatrab
    • By fatrab 2nd Jan 18, 9:22 AM
    • 756Posts
    • 1,610Thanks
    fatrab
    My 5 year plan
    • #1
    • 2nd Jan 18, 9:22 AM
    My 5 year plan 2nd Jan 18 at 9:22 AM
    Happy new year!

    I made a thread at the end of last year in the DFW section (http://forums.moneysavingexpert.com/showthread.php?t=5756197) because of a few silly financial decisions I made in the past year and wanted to set them straight. As part of that I made a spending diary for week and realised how much more I was spending than what I though I was.

    So I promised 2018 was going to be different and that I'd make a thread here to set my goals and note down any achievements!

    My 5 year plan looks like this:

    Year 1 Timeline (2018):
    Jan - Pay HMRC - 1017 - PAID 25/01/18 (page 5)
    Feb - Pay off credit card 1 - 978.80 - PAID 28/02/18 (page 12)
    March - Build up 2000 safety fund - ACHIEVED 12/03/18 (page 14)
    May - Tax rebate
    June - Remortgage
    July - Pay home insurance IN FULL
    July - Cancel mobile contract for tablet - CANCELLED 27/03/18 (page 16)
    September - Pay TV licence IN FULL
    October - Pay car insurance IN FULL
    October - Pay car tax (big car) IN FULL
    October - Cancel my mobile - CANCELLED 20/04/18 (page 19)
    October - Renegotiate TV/Broadband/Phone package
    Throughout year - Overpay car finance - 2152.54 overpaid so far

    Year 2:
    January - Cancel Mrs' mobile
    Pay off car finance
    Pay off loan
    Continue to build up the safety fund

    Year 3:
    Pay off credit card 2 (currently on 0% deal)
    Overpay mortgage if possible

    Years 4 & 5:
    Overpay mortgage. I have 7 years and 5 months remaining at the moment but I have been making regular overpayments and I'm due to re-mortgage in October at the end of a 5 year fix.
    At the end of year 5 have enough money saved to pay any outstanding balance on the mortgage.

    Obviously as each debt is paid off I'll have extra to pay to the next debt, this is where I'll struggle. It'll take a lot of commitment and focus not to go bananas with any spare cash but I'm 43 and want to be debt free by 50. I can do this in 5 years. Debt free by 48 would be amazing!

    Wish me luck!

    Robert

    NOTE: Due to a malicious attack some diaries disappeared and this was one of them. I started a new one, but the nice people at MSE towers managed to recover my original one and they're now merged, from page 6 onwards.

    From April 2018 onwards:
    Statement of Affairs and Personal Balance Sheet
    Household Information

    Number of adults in household........... 2
    Number of children in household......... 1
    Number of cars owned.................... 2
    Monthly Income Details

    Monthly income after tax................ 3408.63
    Partners monthly income after tax....... 0
    Benefits................................ 0
    Other income............................ 170
    Total monthly income.................... 3578.63

    Monthly Expense Details

    Mortgage................................ 800.3
    Secured/HP loan repayments.............. 402
    Rent.................................... 250
    Management charge (leasehold property).. 0
    Council tax............................. 139
    Electricity............................. 37.27
    Gas..................................... 40
    Oil..................................... 0
    Water rates............................. 0
    Telephone (land line)................... 10
    Mobile phone............................ 72.46
    TV Licence.............................. 13
    Satellite/Cable TV...................... 14
    Internet Services....................... 10
    Groceries etc. ......................... 100
    Clothing................................ 0
    Petrol/diesel........................... 160
    Road tax................................ 43.5
    Car Insurance........................... 34.21
    Car maintenance (including MOT)......... 0
    Car parking............................. 0
    Other travel............................ 0
    Childcare/nursery....................... 0
    Other child related expenses............ 0
    Medical (prescriptions, dentist etc).... 0
    Pet insurance/vet bills................. 0
    Buildings insurance..................... 12.94
    Contents insurance...................... 0
    Life assurance ......................... 6.81
    Other insurance......................... 0
    Presents (birthday, christmas etc)...... 0
    Haircuts................................ 0
    Entertainment........................... 0
    Holiday................................. 0
    Emergency fund.......................... 0
    Netflix................................. 5.99
    Total monthly expenses.................. 2151.48


    Assets

    Cash.................................... 3500
    House value (Gross)..................... 128000
    Shares and bonds........................ 0
    Car(s).................................. 25500
    Other assets............................ 0
    Total Assets............................ 157000


    Secured & HP Debts

    Description....................Debt......Monthly.. .APR
    Mortgage...................... 63466.6..(800.3)....3.14
    Hire Purchase (HP) debt ...... 15848....(402)......6.9
    Total secured & HP debts...... 79314.6...-.........-

    Unsecured Debts
    Description....................Debt......Monthly.. .APR
    Loan...........................5724.83...166.3.... .3.1
    Tesco C.Card...................3740......110.......0
    Total unsecured debts..........9464.83...276.3.....-


    Monthly Budget Summary

    Total monthly income.................... 3,578.63
    Expenses (including HP & secured debts). 2,151.48
    Available for debt repayments........... 1,427.15
    Monthly UNsecured debt repayments....... 276.3
    Amount left after debt repayments....... 1,150.85

    Personal Balance Sheet Summary
    Total assets (things you own)........... 157,000
    Total HP & Secured debt................. -79,314.6
    Total Unsecured debt.................... -9,464.83
    Net Assets.............................. 68,220.57

    Created using the SOA calculator at www.stoozing.com.
    Reproduced on Moneysavingexpert with permission, using other browser.
    Last edited by fatrab; Yesterday at 8:23 AM.
Page 17
    • Working Mum
    • By Working Mum 4th Apr 18, 8:52 AM
    • 65 Posts
    • 332 Thanks
    Working Mum
    I totally understand your perspective fatrab. I read the book by Thomas Stanley The Millionaire Next Door around the time I came out of a brutal divorce which had decimated my finances - it resonated with me and helped me get my financial plan in place based on being debt free, mortgage free and ex-Husband free!!
    Your diary is a great testament to you and your strength of character and is inspiring others along the way!
    • LegBeforeWicket
    • By LegBeforeWicket 4th Apr 18, 12:26 PM
    • 22 Posts
    • 68 Thanks
    LegBeforeWicket
    2017, it would appear, was a year of far more bad decisions than I gave myself credit for.
    Originally posted by fatrab
    Maybe so, but 2018 is a year of excellent decisions and that's the thing to remember.

    It sounds to me like you are doing the right thing with this car. I've never been much of a car person but I understand the importance a lot of people put on them, but as long as it's reliable, comfortable, and is economical to run then I think it will bring you greater happiness in the long run.
    • fatrab
    • By fatrab 4th Apr 18, 12:53 PM
    • 756 Posts
    • 1,610 Thanks
    fatrab
    Thanks WM & LBW.

    Yeah I think I just need to bite the bullet and change my mind-set regarding what car I drive. I spend too much time in my car not to enjoy driving it though.

    The dealership have a slightly older version of the same model for sale, mine is a late 2014 model and the older one is a 2011, it's a diesel but still has 4wd so will be just as competent on the roads up north. My car will retail at 21500, the cheaper one is 7995. That takes a chunk out of my debt mountain and reduces my monthly payment considerably, it's cheaper tax and far better economy.

    I'm going in to see them on Saturday. On paper it makes absolute sense, but I need to think this over and be sure not to make another mistake. And then see what deal they can offer me.......
    You can have results or excuses, but not both.
    Wannabe debt free by Dec 2022 - Wannalose 3st in the process - 1st 11lb lost so far
    April's Goals - 17/21 NSD - 18/20 Lunches - 25/28 AFD - 24/31 TAFD (take away free days)
    31 x 2 coins (#32)
    • fatrab
    • By fatrab 5th Apr 18, 8:09 AM
    • 756 Posts
    • 1,610 Thanks
    fatrab
    Morning!

    I made another little tweak this morning.

    I paid an additional 88.95 off my credit card, so that the remaining balance is exactly 34 x 110 which means that the card will be completely clear at the end of the 0% term. This means I can forget about that debt for now.

    I've got a few quid left this month. I must be spending less than I budgeted for, as even after all the DDs and the overpayment to the finance company I've still got way more than I expected. Plus my expenses are due in tomorrow. I think I'll add a wee bit to the savings instead of paying it to anything just incase I've mis-budgeted.

    Looking forward to my visit to the dealership on Saturday, I'm still not 100% sure that the car he has for sale is exactly what I want but if the figures work out ok I'll need to be prepared to compromise. I have been looking at alternatives and I'm really struggling to find something that I like, so perhaps it's "fate" that he has this car available - it's extremely rare to find one with the diesel engine and this one is top of the range with all the toys.

    And we'll need to check that the pram fits in the boot!

    Hope you all have a nice day
    You can have results or excuses, but not both.
    Wannabe debt free by Dec 2022 - Wannalose 3st in the process - 1st 11lb lost so far
    April's Goals - 17/21 NSD - 18/20 Lunches - 25/28 AFD - 24/31 TAFD (take away free days)
    31 x 2 coins (#32)
    • fatrab
    • By fatrab 5th Apr 18, 5:58 PM
    • 756 Posts
    • 1,610 Thanks
    fatrab
    A little evening update from me which I don't do very often!

    Just been for a long walk out to Chanonry Point and back along the beach. Been out for about an hour and a half and I feel pretty good. Might need to invest in some better walking shoes tho!

    I also realised while I was out, I've paid more than half of my house off! This months payment took me past the halfway mark. I'm quite chuffed about that too, just hope the rest of my plan falls into place and it's paid in 5 years time.

    Hope it's nice weather for the weekend, get out and get the garden started!

    Cheers
    You can have results or excuses, but not both.
    Wannabe debt free by Dec 2022 - Wannalose 3st in the process - 1st 11lb lost so far
    April's Goals - 17/21 NSD - 18/20 Lunches - 25/28 AFD - 24/31 TAFD (take away free days)
    31 x 2 coins (#32)
    • supersaver1000
    • By supersaver1000 5th Apr 18, 8:48 PM
    • 2,017 Posts
    • 12,478 Thanks
    supersaver1000
    Great news about the house - do you own the upstairs or the downstairs, or maybe split right down the middle - must be a really nice feeling.

    The car is a difficult one, my oh chopped and changed his car so much - keeping them 6 months to a year max cos he wasn't 'happy' and he was almost addicted to the purchase. His attitude has changed now - his vehicle is for work and he's happy to save his money. Took a while though.
    New Job - Degree started - get rid of big OD - Credit Cards - saved 1,115/7,675
    Consumerism is.... buying things you don't need with money you don't have to impress people you don't know and probably wouldn't like even if you did know them.
    It's not getting what you want, it's wanting what you've got
    • fatrab
    • By fatrab 6th Apr 18, 8:17 AM
    • 756 Posts
    • 1,610 Thanks
    fatrab
    Great news about the house - do you own the upstairs or the downstairs, or maybe split right down the middle - must be a really nice feeling.

    The car is a difficult one, my oh chopped and changed his car so much - keeping them 6 months to a year max cos he wasn't 'happy' and he was almost addicted to the purchase. His attitude has changed now - his vehicle is for work and he's happy to save his money. Took a while though.
    Originally posted by supersaver1000
    I have to admit, I do enjoy looking at cars. When you decide that you want a change and you start looking at what's out there, then you pick a few to go and look at, it's all fun and games until you land on the forecourt. I don't like dealing with sales staff. They tell you how immaculate the car is on the phone but when you get there to find an absolute shed, it's laughable sometimes! Annoying when you've travelled a long way to see it though.

    I remember once travelling up to Aberdeen to see a car which looked ok in the photos and the seller (a specialist high-performance garage) assured me it was tidy. I literally got out of my car, walked over to the one I'd come to see, walked round it once, got back in my car and drove away. Every single panel had damage of some sort! I think the photos on the website must have been taken about 5 years earlier!

    Yeah, my attitude needs to change in exactly the same way as your husband's. I need to find a car that I'm content with. We'll see what happens tomorrow.....
    You can have results or excuses, but not both.
    Wannabe debt free by Dec 2022 - Wannalose 3st in the process - 1st 11lb lost so far
    April's Goals - 17/21 NSD - 18/20 Lunches - 25/28 AFD - 24/31 TAFD (take away free days)
    31 x 2 coins (#32)
    • fatrab
    • By fatrab 6th Apr 18, 8:35 AM
    • 756 Posts
    • 1,610 Thanks
    fatrab
    Anyone got that Friday feeling??

    No?? Me neither.

    I think it's because I know I'm in for a few quiet weekends, in fact, a few quiet months! By quiet I mean not going out. No meals, no drinking, let's be honest - no spending. That's the whole point of this journey for me. "Free" days out will be the highlight of the next few months, weather permitting of course.

    I need to crack on with the decorating in the hall. The garden needs work if the weather is ok. The big car will need cleaned before I go the dealership tomorrow. It's going to be one of those weekends, I can feel it. I'll be glad to get back to work on Monday for a rest!

    Fingers crossed everything works out ok tomorrow. This could have a huge effect on my timeline, potentially shaving a whole year off my HP & unsecured debt repayments.

    I'll let you know how it goes
    You can have results or excuses, but not both.
    Wannabe debt free by Dec 2022 - Wannalose 3st in the process - 1st 11lb lost so far
    April's Goals - 17/21 NSD - 18/20 Lunches - 25/28 AFD - 24/31 TAFD (take away free days)
    31 x 2 coins (#32)
    • supersaver1000
    • By supersaver1000 6th Apr 18, 7:29 PM
    • 2,017 Posts
    • 12,478 Thanks
    supersaver1000
    Good luck tomorrow fatrab. I want to say 'no pain, no gain' but I'm a fine one to talk
    New Job - Degree started - get rid of big OD - Credit Cards - saved 1,115/7,675
    Consumerism is.... buying things you don't need with money you don't have to impress people you don't know and probably wouldn't like even if you did know them.
    It's not getting what you want, it's wanting what you've got
    • fatrab
    • By fatrab 7th Apr 18, 5:36 PM
    • 756 Posts
    • 1,610 Thanks
    fatrab
    Mixed news from today's visit to the dealership.

    My car is officially for sale, they're going to retail it. It's going up on Thursday to have its photos taken then it'll be "live" from Friday.

    But the deal on the other car isn't going to happen. It's not big enough and to be honest it's not as tidy as I hoped it would be. One of the downsides to having tinkered with cars all my adult life is that I have quite high expectations and can spot a car that hasn't been cared for from a mile away.

    So I'll see how long it takes them to sell my car then I'll line up something else later. I'm using the small car over the summer anyway so no rush. I've seen another few options that, although they don't tick all the boxes, would be adequate for what I need them for. And they're actually cheaper than the car I looked at today!

    Fingers crossed my car sells soon

    Hope everyone is having a great weekend!
    Last edited by fatrab; 07-04-2018 at 5:43 PM.
    You can have results or excuses, but not both.
    Wannabe debt free by Dec 2022 - Wannalose 3st in the process - 1st 11lb lost so far
    April's Goals - 17/21 NSD - 18/20 Lunches - 25/28 AFD - 24/31 TAFD (take away free days)
    31 x 2 coins (#32)
    • Storm89
    • By Storm89 8th Apr 18, 10:00 AM
    • 401 Posts
    • 665 Thanks
    Storm89
    That's disappointing about the new car but hoping yours sells soon. Good luck on decorating the hall - I've put ours off !
    • fatrab
    • By fatrab 9th Apr 18, 9:58 AM
    • 756 Posts
    • 1,610 Thanks
    fatrab
    It's time to reboot the system...
    I'm still hovering around 16st. The weight just isn't shifting so I'm going to have to go back to basics. Spoke with Mrs fatrab last night and we've agreed 2 weeks of serious dieting. The weekly shop still has some naughty items, mainly snacks, that seem to be the downfall. So as of today that all stops. We spent a few hours cooking yesterday and have some healthy meals made for the week so lets see how that goes.

    So last week's round up:

    42% - Removing reg number from car
    32% - Fuel
    26% - Shopping

    80 to remove my plate from the car on Saturday so that it's ready to sell asap. Another short term expense in necessity of a long term goal. I bought my personalised plate almost 20 years ago with money that my Gran left me when she passed away so I don't really want to let it go, but 80 every time it's transferred is becoming money ill-spent. I think I'll leave it on retention for a while, at least until all my debts are cleared.

    Should be a nice quiet week this week, hopefully the weather stays ok and I can get out on the beach most evenings for a bit of exercise.

    Averaged 78.4mpg on the run to work this morning. Buying the wee car was possibly the smartest move we've made in a few years.

    Happy Monday!
    Last edited by fatrab; 09-04-2018 at 10:11 AM.
    You can have results or excuses, but not both.
    Wannabe debt free by Dec 2022 - Wannalose 3st in the process - 1st 11lb lost so far
    April's Goals - 17/21 NSD - 18/20 Lunches - 25/28 AFD - 24/31 TAFD (take away free days)
    31 x 2 coins (#32)
    • fatrab
    • By fatrab 9th Apr 18, 12:48 PM
    • 756 Posts
    • 1,610 Thanks
    fatrab
    Just had a frustrating phone call with V!rg!n Media.

    It came to light at the weekend that we're not on a very good package for the price we're paying. We're currently paying 34/month but MIL is only paying 29, has more channels, faster broadband speed and 2 boxes!

    So decided to have a bash at negotiating a better deal. Apparently VM can't understand how MIL is getting such a good deal and they couldn't come anywhere close to matching it. Bearing in mind we are midway through a 12 month contract I wonder if MIL only got that deal as she was going to leave. Best they could offer me was staying at 34/month with faster broadband but it would mean taking out another 12 month contract.

    I'm not taking out another 12 month deal, I'll renegotiate when I'm out of contract (October) and probably look at other suppliers. 5 year plan amended.

    What is frustrating me the most is that MIL has only been with VM for 1 year and is getting such a good deal, we've been with them 4 years and don't seem to be getting any of the supposed "loyalty" benefits VM claim to offer.

    The days of loyalty are long gone.
    You can have results or excuses, but not both.
    Wannabe debt free by Dec 2022 - Wannalose 3st in the process - 1st 11lb lost so far
    April's Goals - 17/21 NSD - 18/20 Lunches - 25/28 AFD - 24/31 TAFD (take away free days)
    31 x 2 coins (#32)
    • LegBeforeWicket
    • By LegBeforeWicket 9th Apr 18, 4:12 PM
    • 22 Posts
    • 68 Thanks
    LegBeforeWicket
    Hi Rab!

    With regards to the losing weight, have you thought about using an app/site like MyFitnessPal ? Perhaps you don't want to overcomplicate things in that area, and I fully understand if so, but you seem to like analysis and weight loss is a numbers game after all.
    Debt at LBM: 9448.71 Current debt: 8658.84 (8.35% paid so far)
    Weight loss to date: 4.4 lbs (Currently 114.2 109.8 lbs above a 'normal' BMI)
    • fatrab
    • By fatrab 10th Apr 18, 7:34 AM
    • 756 Posts
    • 1,610 Thanks
    fatrab
    Thanks LBW, I've downloaded the app this morning. I had too much fat and too many calories yesterday apparently! But was way under the carbs and slightly under the protein so I think a few adjustments to my diet can be easily made.

    Yes, I do like number crunching so the app looks like it's my kind of thing!

    Cheers!
    You can have results or excuses, but not both.
    Wannabe debt free by Dec 2022 - Wannalose 3st in the process - 1st 11lb lost so far
    April's Goals - 17/21 NSD - 18/20 Lunches - 25/28 AFD - 24/31 TAFD (take away free days)
    31 x 2 coins (#32)
    • fatrab
    • By fatrab 10th Apr 18, 10:36 AM
    • 756 Posts
    • 1,610 Thanks
    fatrab
    General panicking.
    It's so easy to mis-account for little spends. Especially on eBay and the likes. You think you have everything accounted for, all your monthly payments are out and you've budgeted for the rest of the month, then BANG - you get an email reminding you that 34 for something you bought last month (and had completely forgotten about) is due out in 3 days.

    In the past this would have sent me into a blind panic. I still got that "oh no" feeling when I saw the email arrive but I know there's no need to worry. I have kept a buffer in my current account "just in case" and if it was a higher amount I could use the emergency fund.

    But this has given me a little reminder that I need to be more careful. If I didn't have a buffer, or if I hadn't been keeping an eye on my emails, something like this could easily result in a bank charge or worse - a black mark on my credit file. Silly mistakes are not permitted on my journey.

    The 34 was for a space saver spare wheel kit (includes a jack and a spanner) for the small car. The car came with one of those puncture repair kits in lieu of a spare wheel, which are completely useless.

    Will be taking the van home this weekend so saving fuel and wear & tear on the wee car. That'll be another 40 saved in addition to the already reduced fuel bill.

    That'll also offset my 34 blunder.
    You can have results or excuses, but not both.
    Wannabe debt free by Dec 2022 - Wannalose 3st in the process - 1st 11lb lost so far
    April's Goals - 17/21 NSD - 18/20 Lunches - 25/28 AFD - 24/31 TAFD (take away free days)
    31 x 2 coins (#32)
    • fatrab
    • By fatrab 11th Apr 18, 12:37 PM
    • 756 Posts
    • 1,610 Thanks
    fatrab
    Midweek slump as usual on a Wednesday, and not much to report on the moneysaving front.

    I doubt much will change for a while until either the car sells, I can submit my tax rebate or payday comes around again (which is 2 weeks today - woohoo!). Can't do the tax rebate until I have P60's from both employments in the past 12 months so that'll likely be May.

    I made most of this week's food on Sunday as mentioned in one of the posts above, so I only needed to buy bread and milk when I arrived up north. Unfortunately a few snacks for the week fell into the basket too. I just can't seem to stop myself. It's not as if I'm spending a fortune on them, my total weekly shopping was 4.22 including the bread and milk, it's just an extra expense - and calories - that I don't need!

    It needs to stop.
    You can have results or excuses, but not both.
    Wannabe debt free by Dec 2022 - Wannalose 3st in the process - 1st 11lb lost so far
    April's Goals - 17/21 NSD - 18/20 Lunches - 25/28 AFD - 24/31 TAFD (take away free days)
    31 x 2 coins (#32)
    • JoJoC
    • By JoJoC 11th Apr 18, 1:03 PM
    • 1,668 Posts
    • 6,107 Thanks
    JoJoC
    Hey Rab, I don't think 4.22 is too bad for a weekly shop at all! I hear what you're saying about snacking though - maybe you can compromise by buying one treat snack and one healthy snack? You can't deny yourself everything, after all.

    I'm with you on the mid-month slump, nothing much to report on anything! But it's good to keep up the posting so as not to loose momentum.

    A good lesson learned on the car purchase front and a good way of reinforcing to yourself that the action that you're taking is already seeing positive results! You'd have been in the red this time last year if an unexpected purchase came out.
    CC1: 4601.14/ 5031.14 (10% paid off, 480) | CC2:3407/ 3807 (12% paid off, 450) | Loan: 10,788.72/ 15,000((28% paid off, 4211.28))

    July debt total: 23,838.14 | New debt total: 18,796.86 | Total debt paid: 5,141.28 (22%)
    *My debt busting and savings diary*
    • fatrab
    • By fatrab 11th Apr 18, 1:44 PM
    • 756 Posts
    • 1,610 Thanks
    fatrab
    Hey Rab, I don't think 4.22 is too bad for a weekly shop at all! I hear what you're saying about snacking though - maybe you can compromise by buying one treat snack and one healthy snack? You can't deny yourself everything, after all.
    Originally posted by JoJoC
    We spent about 20 on Sunday for shopping to make meals for the week, so I should've only needed milk & bread, 2 max, but a few pain au chocolat and toffee yum yums and you're up into the 4's. I'm more worried about the weight implications than the cost tbh

    I'm with you on the mid-month slump, nothing much to report on anything! But it's good to keep up the posting so as not to loose momentum.
    Originally posted by JoJoC
    I'm finding that posting every day is quite therapeutic. Plus it's making me think about my plan every day. I don't want to loose momentum as you say, I also don't want to mess up.

    A good lesson learned on the car purchase front and a good way of reinforcing to yourself that the action that you're taking is already seeing positive results! You'd have been in the red this time last year if an unexpected purchase came out.
    Originally posted by JoJoC
    Absolutely. I'm going to reduce my buffer this month so that I am forced to budget more accurately and leave even less available for frittering.

    My fuel is working out at 40/week in the wee car and my shopping (for up north) is under 25/week. 260 for the month. Every other penny after bills is going towards debt repayment on payday. Once it's paid I can't get it back!
    You can have results or excuses, but not both.
    Wannabe debt free by Dec 2022 - Wannalose 3st in the process - 1st 11lb lost so far
    April's Goals - 17/21 NSD - 18/20 Lunches - 25/28 AFD - 24/31 TAFD (take away free days)
    31 x 2 coins (#32)
    • fatrab
    • By fatrab 12th Apr 18, 9:57 AM
    • 756 Posts
    • 1,610 Thanks
    fatrab
    Looks like I'll be getting a bit of overtime tonight, which is a rare occurrence recently. But this may have scuppered my plan to take the van home this weekend. Dammit.

    Official weigh in is tomorrow morning and I'm not looking forward to it. I know I've not been committed enough so drastic measures are required. I'm going carb-free for 2 weeks. I've done this in the past and it's worked but I never managed to keep the weight off. This time it'll be more about maintaining the weight loss afterwards. I can do this.

    The big car is going up to have it's photos taken at 11am this morning then it's just a waiting game until it sells. Everything is heading in the right direction; I just need to be patient and let my timeline events happen in their own time now.

    Coasting yet again....
    You can have results or excuses, but not both.
    Wannabe debt free by Dec 2022 - Wannalose 3st in the process - 1st 11lb lost so far
    April's Goals - 17/21 NSD - 18/20 Lunches - 25/28 AFD - 24/31 TAFD (take away free days)
    31 x 2 coins (#32)
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  • Yes you would think in this electronic day and age. They could put digital ticket machines on trains https://t.co/RPo4XXvrwk

  • RT @Mattallwright: Martin: supplementary: Does she know which platform the train is on, or is it Paddington with five minutes notice to cov?

  • RT @KTMGordo: @MartinSLewis Imagine Jane is hungry and late for an urgent appointment & needs to buy a sandwich but the queue's huge. Is?

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