Debt, word of the year, and a motto

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Time to take inventory and admit to myself that I’m in debt once more. I have not been denying it, simply pushing it to the again of my head actually. There are a few causes however largely simply being careless and spending no matter I felt like over the previous month or two, together with one or two larger ticket gadgets. €320 for an injection into my hip? Yay. Anyway, time to get again of observe. I purchased a funds calendar from PositiveReduceMyDebt (who I have been following on instagram for a few months now) and have stuffed out some targets for January. 

  1. 15 no-spend days
  2. Follow €25/week for meals (given I ended up spending simply over €90 already, this shall be very tight)
  3. No-spend 12 months – exceptions for January: step ladder and watercolours

I’ve taking some cash out of financial savings to cowl a few of the payments and can work on getting the overdraft again all the way down to zero over the 12 months whereas constructing my financial savings again up. I do technically have sufficient in my funding account to cowl all of it however I need to go away that the place it’s if potential. Head down and onwards. And the identical applies to meals and consuming and meal planning. I let issues go fully to pot in December and whereas I loved it, I additionally badly must get that beneath management once more. 

So, over the Christmas break, I made a meal plan for January, wrote a procuring checklist and on Sunday I cooked. My goal is to largely solely must cook dinner each second week or maybe twice a month. I feel time will inform on that one. On Sunday I made an enormous pot of vegetable soup, lemon rooster with veg and potatoes, and a rooster and spinach curry. 

My meal plan is just not one planning precisely what to have every day however quite a tough define after which I can select what I need to have on every day. 

Yikes!
  • Butternut squash and ricotta frittata (6 servings)
  • Hen and spinach curry (4 servings)
  • Oriental lentil stew (4 large servings – new recipe, relying on what it is truly like, this will likely make extra servings than 4, I feel)
  • Cauliflower and broccoli gratin (4 servings)
  • Lemon rooster with potatoes and veg (6 servings)
  • Honey chilli pork (4 servings) – besides that they had no pork within the butchers so I took the recommended veal as a substitute. With out checking the value first. Veal is costly. How carelessness results in yet one more drop on the debt puddle!

 

In order that’s 28 dinners. For lunches, I deliberate for potato and leek soup, spicy lentil and carrot soup, pumpkin soup, and vegetable soup. Since I did not even use half of the cabbage I bought within the vegetable soup I made on the weekend and nonetheless ended up with 10 servings, I do not suppose I am going to must make the entire remainder of these this month. I’m additionally having every week or two of consuming a few of the meal alternative pouches that I ought to have, however did not, use in December. Primarily beginning over with a few weeks of the transition part that was supposed to finish simply earlier than Christmas. That can truly care for some lunches, too.

The one phrase I may give you for a phrase for the approaching 12 months was help. It made me sort of uncomfortable although, so I attempted to think about one thing else. Earlier than realising that I used to be feeling largely uncomfortable with the concept of needing or asking for help. Most likely a superb indication that it truly is the suitable phrase for me this 12 months. Assist it’s. 

After which on Saturday I learn one thing in a tweet that I’m additionally adopting as a sort of a motto for some time. If the suitable phrases come alongside on the
proper time for me, I am going to seize on to them: Self-discipline at all times trumps motivation



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