Dear reader,
Having a bit of a blog break I'm afraid. I had started the weight loss thing and still going ok. Work still a huge part of my day and usually really tired.
I'm sorry to those who signed up and I wish you good luck. Hopefully we can catch up when the weather gets better and we are not all stuck indoors.
Much love.
FIB. X
Sunday, 26 January 2014
Thursday, 16 January 2014
Dropping in with weigh in.
Dear reader,
Work as usual is hectic. I can't turn down the hours though as the money is good.
Weight loss is better then I hoped with a weigh in for me of 13 stones and 13 pounds.
5lbs loss so far.
How are you all doing? I have just been making small changes and not snacking.
Good luck and have a great week, looking forward to weekend off.
X
Work as usual is hectic. I can't turn down the hours though as the money is good.
Weight loss is better then I hoped with a weigh in for me of 13 stones and 13 pounds.
5lbs loss so far.
How are you all doing? I have just been making small changes and not snacking.
Good luck and have a great week, looking forward to weekend off.
X
Friday, 10 January 2014
101 hours
Dear reader,
So sorry, have done 101.5 hours at work this week not including the hour travel.
I will be back with weight report as soon as I get this weekend at work out of the way. Days 11 and 12 then 2 off.
Am reading comments and publishing them. Some great results which I will write about on Monday.
Back soon with another giveaway for you.
Love
FIB. X
So sorry, have done 101.5 hours at work this week not including the hour travel.
I will be back with weight report as soon as I get this weekend at work out of the way. Days 11 and 12 then 2 off.
Am reading comments and publishing them. Some great results which I will write about on Monday.
Back soon with another giveaway for you.
Love
FIB. X
Thursday, 9 January 2014
Work stopped weigh
Dear reader,
Sorry everyone, didnt get home until early hours of this morning, work reasons.
Some brilliant weigh in results with Katie Jane losing 5 pounds. A few results still to come in including mine which I will do tonight.
Will hope to do a proper post with weigh in results later so if you signed up please drop in and let us know how you're doing.
X
Sorry everyone, didnt get home until early hours of this morning, work reasons.
Some brilliant weigh in results with Katie Jane losing 5 pounds. A few results still to come in including mine which I will do tonight.
Will hope to do a proper post with weigh in results later so if you signed up please drop in and let us know how you're doing.
X
Tuesday, 7 January 2014
What do you fancy?
Dear reader,
Just a quickie as I'm off to work soon.
Weigh in Wednesday tomorrow.
I haven't been bad but I haven't been an angel.
I'm very good at excuses. I will have worked 12 days in a row at between 8 and 11 hours a day and I'm only half way through and already tired.
The weather is so awful with torrential rain it has put paid to my running.
Because I've been at work I haven't done much cooking so meals have been less organised.
I am trying to eat breakfast but never feel that hungry in the morning. Takes me a couple of hours to fancy food, however as I write this the TV is on and there is an advert for a nice looking cereal on the screen. Nice crunchy little nuggets with lots of nutty bits. It looks really healthy, could be a change from my Weetabix.
Hmmm, have just seen a small whiskered face peeping out and discovered it is in fact Go-Cat.
What do you fancy in the morning?
Just a quickie as I'm off to work soon.
Weigh in Wednesday tomorrow.
I haven't been bad but I haven't been an angel.
I'm very good at excuses. I will have worked 12 days in a row at between 8 and 11 hours a day and I'm only half way through and already tired.
The weather is so awful with torrential rain it has put paid to my running.
Because I've been at work I haven't done much cooking so meals have been less organised.
I am trying to eat breakfast but never feel that hungry in the morning. Takes me a couple of hours to fancy food, however as I write this the TV is on and there is an advert for a nice looking cereal on the screen. Nice crunchy little nuggets with lots of nutty bits. It looks really healthy, could be a change from my Weetabix.
Hmmm, have just seen a small whiskered face peeping out and discovered it is in fact Go-Cat.
What do you fancy in the morning?
Sunday, 5 January 2014
Changing mortgage rates-advice required please.
Dear reader,
Just popping in this morning before work to ask a bit of advice.
We are nearing the end of our rubbish fixed rate and want to change to a cheaper interest rate. Easy you would think?
We had the house revalued as we had made some improvements and we now have a LTV of 69%.
We were very pleased as we had only managed to put down 10% less then 2 years ago.
We have been offered two rates- 2.49% and 2.79% both to last 2 years.
Now, the 2.49% costs £999 and the 2.79% costs £200
I thought it was as easy as working out how much each one cost you to repay and that was it but each one gives a different end mortgage balance with the 2.49% being better. Sadly, as we are debt reducing elsewhere we haven't got the £999 to pay upfront. They said I could put it on the mortgage but I have always avoided this.
After hours of mind bending maths, I worked out that the best way was to add the £999 to the mortgage and then overpay the mortgage by the monthly difference between the two rates which was about £40 a month which we can afford to do.
I wonder if there is anyone out there in blog land that is able to give a free bit of advice or who is very good at maths?
The difference was about £400 a year, not much on the scale of things but I'd rather have £400 than give it away.
Please could you contact me with any advice?
Thanks
X
Just popping in this morning before work to ask a bit of advice.
We are nearing the end of our rubbish fixed rate and want to change to a cheaper interest rate. Easy you would think?
We had the house revalued as we had made some improvements and we now have a LTV of 69%.
We were very pleased as we had only managed to put down 10% less then 2 years ago.
We have been offered two rates- 2.49% and 2.79% both to last 2 years.
Now, the 2.49% costs £999 and the 2.79% costs £200
I thought it was as easy as working out how much each one cost you to repay and that was it but each one gives a different end mortgage balance with the 2.49% being better. Sadly, as we are debt reducing elsewhere we haven't got the £999 to pay upfront. They said I could put it on the mortgage but I have always avoided this.
After hours of mind bending maths, I worked out that the best way was to add the £999 to the mortgage and then overpay the mortgage by the monthly difference between the two rates which was about £40 a month which we can afford to do.
I wonder if there is anyone out there in blog land that is able to give a free bit of advice or who is very good at maths?
The difference was about £400 a year, not much on the scale of things but I'd rather have £400 than give it away.
Please could you contact me with any advice?
Thanks
X
Friday, 3 January 2014
Girls who eat Snickers wear bigger knickers!
Dear reader,
I just wanted to let those of you with blogs know that I am trying hard to leave comments as I know how nice it is. Unfortunately some of the blogs with encrypted codes that need to be entered are just unreadable. I'm not sure if its because I use an ipad but I tried and tried the other day to leave a comment to a lady who has recently returned to blogging and I just couldn't.
Maybe I'm getting old and the eyes are going but I don't think it's that.
Anyway, short blog tonight as I am working over the weekend and need sleep. I got so tired at work that I sneaked off to the vending machine today and I'm ashamed to say I got a snickers bar.
Shamed!
So here are a few shameful photos for my blog to keep me focused.
(They are not me......yet)
I just wanted to let those of you with blogs know that I am trying hard to leave comments as I know how nice it is. Unfortunately some of the blogs with encrypted codes that need to be entered are just unreadable. I'm not sure if its because I use an ipad but I tried and tried the other day to leave a comment to a lady who has recently returned to blogging and I just couldn't.
Maybe I'm getting old and the eyes are going but I don't think it's that.
Anyway, short blog tonight as I am working over the weekend and need sleep. I got so tired at work that I sneaked off to the vending machine today and I'm ashamed to say I got a snickers bar.
Shamed!
So here are a few shameful photos for my blog to keep me focused.
(They are not me......yet)
Goodnight and good health. X
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