A couple of weeks ago or so, I decided to write my budget for 2019. Mostly I have the same outgoings every month, I know when the irregular bills are due (car insurance, water bills etc.) and I know when my planned holidays are. So I wrote a budget for next year based on the…
I like to think that in general, I’m a very patient person. I like to think this, but alas, this is not always the case. Sometimes, in certain situations, I will be the most patient person you will ever have the fortune to meet. However, the other 99% of the time I have zero patience,…
Thanks to everyone who responded to my previous post, either on here, FB or via text/messenger. Lots of really interesting insights and thoughts, and I’ve really appreciated them all. So as I ponder my way through (I like to have a good think about stuff!), I thought I’d make two small changes just to get…
A good friend just shared a blog post by the triathlete Lucy Gossage about why she doesn’t believe in not finishing triathlons (also known as DNF’ing). This of course is especially poignant after the weekend where I DNF’d a triathlon, while some friends went on to finish despite a huge desire to quit at times.…
Well, if I was to answer the question posed by a recent post entitled ‘Mission Possible?’, that answer would need to be a definitive no! Long story short, I had not done nearly enough training, so the triathlon I started yesterday was much shorter than planned. I got a bit panicky in the swim (unusually),…
It’s fair to say this whole getting out of debt malarkey has become somewhat of an obsession. Ever since I pulled my head out of the sand and admitted I needed to sort out my finances, it has been a constant thought. Not in a bad way, rather in a ‘I’m regaining control and happy…
Another quick post just to say that today I paid off another credit card 😀 One more down, two to go, and £4,030.11 left to pay off. I paid a big chunk to the card I cut up yesterday, so only £440 left to pay off on that, which will happen when I’m paid in…
I’ve bitten the bullet and cut up my credit card. Now, I need to be honest first of all and say that I actually have four credit cards. One has zero balance and I’ve not used it for about 2 years, and it was only ever used to transfer a balance. I’m planning to keep…
The first half of the year has felt quite stressful. I had a lot going on both at work and in my life outside of work. I like to be busy, but as a result I often take on too many things at once, then feel overwhelmed. My holiday in late June, early July was…
On the 5th August I’m taking part in a middle distance triathlon: 1.2mile swim, 56 mile bike ride & a 13.1 miles run. About 16 weeks ago I started a training plan to get me fit enough for the race. It went well for a few weeks, and I even started riding my road bike…
Just over two years ago I woke up from a fairly restless sleep having what was as close to a panic attack as I’ve had. I was overwhelmed with the debt that was starting to suffocate me, and I was worried I’d never get to the other side of it. It wasn’t even just the…
I remember someone telling me once that one should never make critical decisions on holiday. Being away from the realities of everyday life is more likely to lead to rash decisions that can have serious consequences for the future. However, I think this is exactly the best time to make decisions. You’re more likely to…
Out with the old, in with the new…
