Let's start with minimal fitness this week - the family hiked Chick Hill on Saturday, which ended up being a 3.1 mile walk with an elevation gain of 830 ft according to an app I used. Went for a 2 mile walk on Monday, and 2 mile run on Tuesday. I logged 30 miles on the bike, and did 3 resistance training circuits. I also logged a quick agility ladder workout. Great week. Weight is still trickling down, and I'm thinking/hoping I need to buy a new wardrobe at the completion of debt payoff phase 1 as a celebration. Doing the quick math, I'm thinking the completion of that phase is lining up with May/June next year. Daily progress.
It's been nice having the new budget breakdown the past couple of weeks. It may sound complicated, but I'm utilizing multiple checking accounts that are responsible for certain bills, broken up as 1.)credit card debt only , 2.)lifestyle/utility bills, and 3.)everyday spending along with future savings. I've never utilized cash, so these accounts end up working like digital "envelopes" which is helping me plan ahead for future spending (two checking accounts have a savings account with them for future/non monthly bills). A cash envelope system is a commonly used budgeting tool - and my current set-up seems easier than withdrawing actual cash because all of my bills are paid digitally. One of my new checking accounts also offers a cash back option for daily spending - won't add up to much, but it's something.
I've also hit my $12 Hannaford rewards goal for Mar-June grocery spending. I've seemingly gotten my grocery spending on track for this month, not buying meat seems to help tremendously.
Shout out to those following and those reaching out - it was the main motivation for sharing openly. I appreciate feedback, and enjoy the "fellowship" of people who are hopefully working towards improving something in their life that seems challenging. I have a lot of small Chick Hills to climb to get to where I want to be, but reaching small peaks along the way has been rewarding. Have a great weekend, and Happy Fathers Day to all of you fathers out there.
It's been nice having the new budget breakdown the past couple of weeks. It may sound complicated, but I'm utilizing multiple checking accounts that are responsible for certain bills, broken up as 1.)credit card debt only , 2.)lifestyle/utility bills, and 3.)everyday spending along with future savings. I've never utilized cash, so these accounts end up working like digital "envelopes" which is helping me plan ahead for future spending (two checking accounts have a savings account with them for future/non monthly bills). A cash envelope system is a commonly used budgeting tool - and my current set-up seems easier than withdrawing actual cash because all of my bills are paid digitally. One of my new checking accounts also offers a cash back option for daily spending - won't add up to much, but it's something.
I've also hit my $12 Hannaford rewards goal for Mar-June grocery spending. I've seemingly gotten my grocery spending on track for this month, not buying meat seems to help tremendously.
Shout out to those following and those reaching out - it was the main motivation for sharing openly. I appreciate feedback, and enjoy the "fellowship" of people who are hopefully working towards improving something in their life that seems challenging. I have a lot of small Chick Hills to climb to get to where I want to be, but reaching small peaks along the way has been rewarding. Have a great weekend, and Happy Fathers Day to all of you fathers out there.
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