Paying Off Debt & Going on a Diet

by Ginny on May 22, 2013

Paying Off Debt & Going on a Diet

I’ve said it before and I’ll say it again debt and dieting have a lot in common.
So much in common in fact that I have decided to beat both at the same time and blog about my journey for anyone interested in knowing my story….
Having not blogged in close to a year I guess I have some explaining to do
And I have had a lot of weight to lose and debt to get rid of.
Question: How did this all come about?
Answer: A baby.
I had a tough year where I could not work for most of it
I am so happy that I have my second daughter that I don’t even mind about the down sides but it’s now time to do something about them.
I never actually weighed myself at the height of my pregnancy weight gain but I hazard a guess that I probably tipped the scales at around 100 kilos- a lot of weight gain for anyone to gain.
My debt also ballooned when I wasn’t working as I had previously put a bit too much on credit cards and fixed my loans when rates were high.
So how am I going to pay off debt & diet at the same time? Especially since I now have less time?
And why would I blog about it anyway?
I find that it’s the little things that make all the difference when it comes to losing weight and debt.
Having already lost 30 kilos and now spending the same amount of money but paying off my debt-it might be interesting to find out tips on how I did this and my journey going forward of how I will continue. Plus from my perspective it holds me accountable.
The story so far…
How I Lost 30 kilos after the baby..
I breast feed the baby. I swam as soon as I could, every day-for half an hour. Then as soon as I became fit enough to run, I am now running every day for up to half an hour. I place no judgement on myself about how fast I go, all I have to do is show up and try and how ever far I get towards my goal of half an hour- is fine for me. For my diet I stopped all alcohol (not difficult as I did not drink at all while pregnant) , I tried not to have sugar, or too much meat(as at my heavier weight I got arthritis) and tried to have gluten free as I am coeliac. Basically I have been eating fresh food-in normal size portions with no junk food. I could not diet too much as I am breast feeding. So I have slowly lost 30 kilos-the other benefit about losing weight slowly is your body goes back, so you don’t have saggy skin! I also used bio oil for scars-which is working really well.
Going forward, my plan is to do exercise videos at home (in the evening after the kiddies are asleep) once I can comfortably run for half an hour in the morning. My diet plan is to keep going as I am still losing weight and probably only have 10 kilos to go.
How I got rid of my debt after the baby…spending no more money
I restructured my debt, I fixed my home loan high a few years ago and when it came off the fixed rate I fixed much lower and used the extra money to pay off my personal loan that I created from consolidating my credit card debt into a secured personal loan at a low variable rate also secured against property in a separate loan.
Going Forward. I can also fix my personal loan(as well as my home loan) and pay it down at the same time but not many banks offer this and this will be my next move if I have not already paid off the debt by the time my fixed home loan expires.

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