Small steps in the right direction

At the start of September I spent a fabulous evening in the company of three good friends, drinking lots of wine, eating delicious food and just chatting the night away and putting the world to rights.  It was perfect.  The next day, we all went to watch (or take part!) in a local sprint triathlon…

Replanning the plan

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…

Progress, not perfection

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,…

Little changes

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…

What makes us DNF in life?

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.…

Mission Impossible

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),…

More financial planning….

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 one bites the dust

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…

One step closer to financial freedom

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…