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Day 175 - 27 weeks to go

November 18th, 2018 at 12:28 am

Day 7 of fasting. 77 kilos. Waist 35" hips 44" BMI 25.4. I am still borderline overweight and have a lot of belly fat. After meditation this morning they were dicussing the 5-2 diet and fasting. I didn't let on I am currently fasting but chipped in with my own earlier experiences. I think I will go back to regular fasting on Monday and Friday. The traditional Christian fast days are Monday and Wednesday but Wed is not convenient for me. Let's not get legalistic here.

At church morning tea I felt a bit guilty as the preparer told me she'd baked vegan cookies especially for me, but the carnies ate them all. I did really crave a cuppa tea but stuck to water.

The weather turned really bad while we were talking. We had a thunderplump and hailstones. I haven't seen that for several years. The weather here has turned crazy over the last few years. One day will be scorching hot, the next it will be blowing a gale and pouring rain. Looks like climate change is already here.

Day 174

November 17th, 2018 at 12:41 am

Day 6 of fasting. 78 kilos. Feeling ok today. My body has switched to fat burning mode which is logical. The body stores up fat for times of famine so when you stop eating it uses those supplies. I walked into town and back with no more rests than normal and bought some groceries for when I break my fast Wednesday evening.
oranges .61
red peppers 3.00
bananas 2.49
popping corn 1.79
pasta .75
can tomatoes .70

I recieved an electricity bill for nzd57.93. It will come out automatically on the 29th.

Day 173

November 16th, 2018 at 12:40 am

Day 5 of fasting. Halfway through. The benefits are beginning to show. A friend commented that my face looked better and I look younger. My skin is softer and the the lines are less deep. The caffeine withdrawal headache has gone and I don't feel hungry. 79.5 kilos.

Day 172

November 15th, 2018 at 12:12 am

Day 4 of fasting. I felt rather weak doing my volunteer stint this morning and was strongly tempted to have a cookie to relieve the syptoms, but I know it will pass if I persevere. Down to 80.5 kilos.

Day 171

November 14th, 2018 at 12:17 am

Day 3 of fasting. I was rather sluggish and light headed on waking, but that's to be expected at this stage. Day 3 is always the most difficult for me. I wasn't physically hungry but mentally wanting to eat and thinking of chucking it in. Drank a lot of water. My weight is down to 81.5 kilos but that is water loss.

Payday nzd289.15. I only had to take out $20 because I am paying my checking account back from misc and not putting any more into medical. So I only needed $20 for food but I'll only be buying grape juice for communion.

I only spent 2.00 donation to Knit Squad. I saw a nice top in Orphans Aid but it was large size and I intend to get back to medium.

Day 170

November 13th, 2018 at 12:16 am

Day 2 of fasting. I had forgotten how the minute you start everyone wants to give you food. Today I was offered corn chips with salsa and buttered toast. I am not hungry but wanted to accept out of habit.
I am still drinking tea because I am addicted again, but the foul taste is beginning to develop in my mouth so I will only want to drink water soon.

I received $60 from my Bonus Bonds but can't spend it because it's automatically reinvested.

Day 169

November 12th, 2018 at 12:11 am

I have been reading some research on fasting. I used to fast regularly for spiritual reasons, and also found it beneficial for my health. The fact I also lost weight and saved money was jam for Sundays.

So I fasted today, and I'm not sure how long I will go. I'm thinking 10 days but will see how I feel. If I'm feeling ok I'll go longer.

Day 168 - 28 weeks to go

November 11th, 2018 at 12:28 am

Left in my cash envelopes:
food nzd5.00
med/dental 360.00
necessities 29.90
financial freedom 15.40
education 14.80
play 0.40
gifts 0.40
Russia 126.50
change dish 6.30
bus card 12.35
mta vouchers 20.00

I have enough saved in my medical envelope to see me thru till the end of January, so I'm not putting any more in till then. It can go in my EF.

Day 167

November 10th, 2018 at 12:08 am

I have done a poor job of teaching my child frugality. DS wanted some containers to put leftovers in, and I offered him a couple from occasional Chinese takeaway. Instead he took himself off to the supermarket and bought some brand new plastic ones. I suppose I should be glad he is using the leftovers.

I remember my grandmother putting food in bowls covered by a plate.

Day 166

November 8th, 2018 at 11:53 pm

I have been feeling really fatigued for the last few days so spending time lying down. At least I'm not at the shops spending money.

Day 164

November 7th, 2018 at 12:20 am

I paid for the plane tickets, nzd2,620.00.

Day 163

November 6th, 2018 at 12:12 am

I have to stop keeping cookies in the house. I can't eat just one or two, I devour the entire packet. And my weight is up to 84 kilos. No more sugary treats. With the holidays coming up this is not going to be easy.

Day 162

November 5th, 2018 at 12:23 am

I bought a new smart phone for nzd99.00. I'm on a prepaid plan.

Day 161 - 29 weeks to go

November 4th, 2018 at 01:14 am

Only 3 more weeks and I will be halfway done with my challenge. I'm taking 3 weeks off in January while I'm in India.

This morning was pouring rain so I took a taxi to meditation nzd11.50. After church we went to the Steep Cafe which is on the world's steepest street. Very touristy and priced accordingly, nzd4.00 for a long black, and it wasn't very good coffee. I had zero money left in my food envelope so took it from my necessities jar, but I'm trying to break the habit of borrowing from other categories. It's easy done when you're only accountable to yourself, but I need a new cellphone so must use the money from my checking and pay myself back nzd20.00 a week.

Left in my cash envelopes:
food 0
medical 335.00
mta vouchers 30.00
bus card 12.35
change dish 4.70

in my jars:
necessities 48.80
financial freedom 14.60
play 20 cents
education 14.60
gifts 30 cents
Trans Siberian 126.40

Day 160

November 3rd, 2018 at 01:10 am

World Vegan Day was celebrated in the Octagon today. I spent nzd15.20 on food, which was more than I intended, but it was delicious.

Day 159

November 2nd, 2018 at 01:19 am

I got given 2 early gifts today; 4 balls of yarn and a packet of orange pekoe tea. I am happy.

Day 158

November 1st, 2018 at 01:32 am

My budget for November:

Income nzd1156.60

Expenses
food 80.00
property taxes 134.00
insurance 94.00
electricity 96.00
phone/internet 116.00
Kiwisaver 80.00
house maintenance 80.00
medical/dental 80.00
misc 80.00
TOTAL 840.60

available for saving and giving 316.60

I had nzd260 in my checking which I transferred to the EF, along with 100.00 from the Travel account.

Day 157

October 31st, 2018 at 01:09 am

Payday - 5th this month $289.15. Yay! I will buy produce tomorrow, apart from that I shouldn't need to buy anything this week.

There is a church picnic planned for Sunday, but the weather forecast doesn't look promising. The backup plan is to go to a cafe, so I may end up buying lunch.

Day 156

October 30th, 2018 at 01:17 am

Out: hummus $2.49, crackers 99 cents

There was an earthquake today, though I didn't feel it. Fortunately there are no reports of damage. So I checked my emergency supplies. I have water, canned goods and a torch, but need a first aid kit and a battery operated radio. I also need to put my essential meds and important documents where I can grab them easily.

Day 155

October 29th, 2018 at 01:15 am

The Scavengers Paradise craft store is closing but I didn't go. I'm planning to use what I have before buying more.

I bought peanut butter $1.99 and flour $1.59, booth on special so I saved 50 cents. My aim is to buy staples only when they are on special. I am running short of baking powder so I bought self rising flour as it was the same price as the plain. Normally it costs more.

Day 154 - 30 weeks to go

October 28th, 2018 at 01:23 am

Our church service was held at the nearby rest home this morning. After we went to the nearby cafe. There were no vegan options so I just had coffee and a couple pieces of fruit, $5.20. I then went to the supermarket and bought 2 packets of cookies for $4.50 which I devoured in 40 minutes. I feel sick from all the sugar and silly for wasting my money.

Left in my cash envelopes:
food $18
medical/dental $$320
change dish $3.50
mta vouchers $30
bus pass $16.19

in my misc jars:
neccessities $50
Financial Freedom $12
education $12
play $2
gifts $1

Day 153 - 7 months to go

October 27th, 2018 at 01:26 am

In: found 50 cents
Out: Marmite $5.50

Today for breakfast I had oatmeal with sultanas and cinnamon; lunch coconut pancakes with lemon juice and sugar; dinner pasta, potatoes, broccoli and chickpeas.

Someone gave me 4 bags of weaving singles. I knew it would take me ages to get round to using them, so I donated them to the annual craft sale.

I am not buying books and today I found in the Lilliput Library a book called Money Success and You by John Kehoe. It turned out to be one of those motivational books that tell you about other rich people. I don't need to be a multimillionaire and I don't want to be famous; I'm just looking for a basic how to on investing.

Day 152

October 26th, 2018 at 02:20 am

At Artsenta today they had free fruit. I took an apple and 2 mandarins. I am making pottery bowls and bead jewelry for Christmas gifts. After I went to the Rotary secondhand book sale and bought 3 books at a dollar each as gifts. (if your friends don't like recieving secondhand books get some new friends) I thought about buying a book a knitting patterns for myself, but there are loads of free patterns on the net.

I recieved a plumber's bill of $29.18 as my share of some work done for all our units. I paid it online right away as I don't like unpaid bills hanging round when I have the money to pay them. I like to know all the money in my account is mine to spend.

I paid $15 for a prescription.

The good news is I do not have bowel cancer and don't need another test for 2 years.

Day 151

October 25th, 2018 at 01:19 am

In: found 10 cents
Out: fruit and veg $6

There was a load of very good yarn in the thrift store this morning. I could have spent $32, but realised it's only 2 months to Christmas and I'm supposed to be setting money aside for it.

I finished the last of the popcorn.

Day 150

October 24th, 2018 at 01:37 am

My bill paying account has built up to the point where I have enough to pay 3 months of power bills. Since it will be lower over the summer I transferred $200 to my FFEF. It's nice to have a buffer for when I go to India, as I'll have no income for the 3 weeks I'm away, but the FFEF is to cover other emergencies as well.

Day 149

October 23rd, 2018 at 01:09 am

I walked to Pak n Save and bought
sultanas $1.79
pasta 75 cents
lentils $2.15

I was too tired to walk back and it was starting to rain, so I caught the bus back $1.92.

For lunch I bought some bread rolls at New World from my Play jar $2.30. Have to wait until tomorrow for a whole $2 to spend on enjoying myself.

Day 148

October 22nd, 2018 at 01:19 am

I was given some rhubarb, but had to buy sugar to cook it. $2.60.

Day 147 - 31 weeks to go

October 21st, 2018 at 01:17 am

Left in my cash envelopes:
food $20
medical $315
mta vouchers $30
bus card $18.11

misc total $102, split up in jars as follows:
necessities $56.10
Financial freedom $10.20
long term savings $10.20
education 410.20
play $2.30
give 10 cents

Trans Siberian fund $110.20

Day 146

October 20th, 2018 at 01:31 am

A quiet day at home; no money in, no money out. I earned about 12 cents interest on my savings account and a dollar on my retirement savings.

Day 145

October 19th, 2018 at 01:11 am

In:
found $2

Out:
doctor $25
brunch with friend $7.90

I realised that if I put all $20 per week of my misc money into the T Harv Eker jars, I can do it with the suggested percentages. It makes sense to try the system the reccommended way when it works for a millionaire, before trying it my own less successful way.

So the reccommended percentages are:
Necessities 55%
Financial Freedom 10%
Long tern Savings for Spending 10%
Education 10%
Play 10%
Give 5%


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