Walking to Work and back

I have decided to walk to work this week to see if my body can cope with so much exercise and to see if I can do without a car.

Today was day one of walking to work and back and so far so good... I did enjoy my walk today, that much I'm going to give it another go tomorrow as well. Oh course I'm also hoping it will have a positive affect on my weight loss this week...

For those who are a bit concerned on what happens if it rains, well I have a plan. I can either catch the bus at the end of my street and that goes to a few blocks from work, or I can walk in the rain with an umbrella and & raincoat...

Weigh in Day

I can't believe how quickly weigh in day comes around. At weigh in I lost another 500 grams which I'm pretty happy about.

To be honest my week wasn't all that good and I did eat a bit too much chocolate for my liking but nothing as near as I would have before weight watchers. I did manage to use the wii fit on Thursday night, walk to work & back, more wii fit on Friday night and Brad and I went for some walks this week. I even managed to walk to weigh in and home today. Exercise is on the way up again for me.

I'm even thinking of walking to and from work all 5 days next week. Will see how I go. I'm in the process of trying to reduce my expenses and are looking at ways that we can do that. One of them is to sell one of our cars, cause the only time we really need two cars is on the weekend and with some careful planning we can work around that one too. I can either walk or catch the bus to work and that is so much cheaper than having a 2nd car when it comes to petrol, insurance, rego, maintenance etc. Nothing has been decided on that, will see how I go next week with walking to work or not... I'm so sick and tired of money being tight and I think some extreme measures need to be taken...Brad and I have talked about this and will continue to do so until we come to some sort of agreement or decision on things.

Back to my weigh in results, my 500 gram loss has brought we to a weight on 101.4 kilos (back to were I was in September 2008, grrrr at myself for putting it back on in the first place)... and only 700 grams till I reach my first goal. I'm so going to work my butt off this week to get that first goal....

Financial Stress being attacked head on

As well as lots of other stress in my life, I so can't believe:-

1. how much I have let my financial obligations get out of control.
2. what a mess they are.
3. how quickly they can get out of control
4. how much I've been spending over the past few years.

Well suffice to say its started catching up with me.

Against my better judgement I've tried to push it out of my mind and ignored them. Yes I do know better than that, and I've beaten myself up enough over this. Well last night I decided to do something about it and I'm pleased to say I'm on my way to sorting them out and restructuring my debts. All of my unsecured debts will now be consolidated into one loan and then I have my housing loan. I'm rather pleased to say that I will only have two major payments per fornight now and these will cover all of my debts.

I even spend some time doing a budget tonight and OMG is all I can say. Things are going to be tight for a while but that's the price I pay for being stupid with my money and not facing the problem. Oh well it could be worse, I could have lost my house and faced complete financial ruin. Financially things will be a bit tight for a few years but then all the unsecured debts will be repaid and cleared.

OMG I still can't believe how much I've relied on a credit card to live, well no more. The credit cards have been cut up and will be cancelled once the consolidation loan has repaid them. The only card I now have is a debit mastercard, so basically if I don't have the funds then I don't buy it.

Whilst I do hate to publically admit his mistake and huge problem, it is helping me to move forward. As Dr Phil keeps saying if you don't acknowledge it, you can not fix it. So here I am saying that I suck when it comes to my finances and up until now didn't want to acknowledge them, well that has now changed and things will get easier.

I also hate to write about this here as I'm still a little worried about what people will think about me. The positive thing out of this is by posting this here is showing myself how strong I can be by facing this problem and moving forward and not backward.

Bascially I have to stop trying to keep up with the Jones and showing people what they expect to see. Instead I need to show them who I really am and admit that due to my excess spending and living beyond my means for so long that I can survive.

Carlton
Take One Step at a time.