#60 July 2017 Fitness Update

What goals did I hope to achieve this month and did I achieve them?

Set baseline against 2 cross-fit work-outs from here. Completed. I set bench-marks for 3 work-outs.

Get up to 7 chin-ups without stopping. Completed. Managed to do 7 without getting down.

Set a baseline for chin-ups in a minute. Did not complete. 

Get up to 30 press-ups without stopping. Did not complete. 

Any lessons / thoughts?

The most important thing... I am really enjoying this. I'm quite competitive and like data and graphs to track progress. Using this approach I'm having good fun trying to beat my times.

I changed my approach slightly and focused on the work-outs rather than setting baselines for number of chin ups in a minute or max press-ups.

PBs.

The work-outs might change over time but currently.

Work-out	What is it?	PB	When PB Set
Max chin-ups without break		7	July 2017
Bodyweight Fran time	this is 21 then 15 then 9 set of both chin ups and burpees.	12m 46s	July 2017
21,15,9 press-ups and burpess:	this is 21 then 15 then 9 set of both press ups and burpees.	5m 58s	July 2017
Half Angie:	this is 50 chin ups, 50 press ups, 50 sit ups and 50 squats	18m 05s	July 2017
Post exercise 0.5 mile run		4m 17s	July 2017

What are my goals for next month?

1. Be able to do 8 chin ups without break.
2. New PB for body weight Fran, 21,15,9 (Press up & Burpees), half Angie.
3. Run half a mile post a work-out in less than 4 mins.
4. Set new benchmark PB in at least one more work-out. 

Photo to hold me accountable.

June 6th 2017 vs August 1st 2017              

 

Certainly don't look like I'm enjoying it!!

#59 July 2017 Financial Summary

So, did we stick to the budget?

No. We spent £331.66 more than our budget.

If no, why not?

Two big out-lays.

£178 on gymnastics classes for my daughter - taking up to the end of the calendar year. Needs to be included within budget going forward.

£216.10 Mrs went on a spending spree in Next and brought clothes for the next 3 years for the kids. Very much a one-off.

Plus, Grocery shopping was also £100 over budget.

Did we earn more than we spent?

Yes. We earnt £23.26 more than we spent.

Any positives / milestones?

1. It should always be a positive that we have earnt more than we spent. 3rd month in a row we have earnt more than spent.
2. Debt including mortgage dropped below £370k. Currently £369,663.56.
3. Got paid a 77p dividend from Coca Cola. Almost all of my investments are in index funds. However, I had £60 several months ago in my XO account - it cost's £60 to close the account so instead I purchased shares in Coca Cola and a City of London Fund. 

No idea what to do with this long-term... but I do like receiving dividends. Only the second time ever. 

Lessons / thoughts?

Gymnastics is missing from my budget.

Other than the items called out in reasons why we missed the budget everything else seemed on track.

I use Betfair to do my Matched Betting. This normally has a decent 'float' of cash. It seems unfair to exclude this money from the overall savings so from next week will include the Betfair wallet value as Cash Savings. Today this is £346.

Effect on overall debt?

Student loan remains paid off :)
House loan remains paid off :)
Wedding card balance is £1,574.77
0% Carpet loan balance is £1,881.83  

   

Total Debt  Exc Mortgage = £3,456.60

* Above graph. I have deleted the info for Jan and Mar 2017 as they were messed up due to large re-payment of debt. It made the rest of the months hard to judge by scale. 

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Wealth Accumulation

Summary:

Asset	Value	Increase
Pension Value	£19,249.60	£252.81
XO Shares Account	£63.49	£2.60
Company Sharesave.	£900	£100
Fidelity Global Index Tracker	£714.70	£107.76
Total	£20,927.79	£463.17

*Above graph. Probably my favourite graph. That gap between debt and savings (excluding pensions and mortgages is down to £1,778.41 now.  This is decreasing roughly £300~ per month.

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Net Worth

£151,264.23.

An increase of £1,143.11 since last month.