My Net Worth Status- Half-year Mark 2021

As you all probably have understood, this has turned into so much more than just weight loss and its journey. I am tackling life and all of its aspects to find the root problem of my weight and fix it.
I have been able to identify few things that make me overeat and one of these things is:

My finances and money!
It gives me great deal of anxiety.

No let me take that back.
It used to give me a great deal of anxiety. The stress that I felt often ended in me eating.
At least that was something I could control. It felt like I had no control over my life and finances and that it forever would be in disarray.
Of course did I have control, it was only an awful negative feeling, that was cemented inside me.
I would forever be poor and I would never be able to get out of the rat race, never be able to go on holiday, never be able to retire, never be able to do anything.
Things did change though, and I read books and watched videos about money and how to manage it.
Today I am no longer feeling this black pit in my stomach, due to my finances. I have really shaped it up quite incredibly.

I sometimes visit the same old thinking patterns and stress out and get anxiety, due to absolute doomsday thoughts.
Losing jobs and ending up homeless and needing to live off the grace of stately support.

I have less and less of them though, and it is both a relive and strange feeling.
My plan all along though is to grow what I have.

Where Am I Today?

As I have written before, I did manage to get my emergency fund in order. This means that I have 6 months of living expenses saved up.
Thanks to this one, I was not stressing myself to death over the forgotten phone while in Spain and I know I can go on holiday in peace using some of it.

At first I this was my only goal.
This was the end goal. Knowing that I would have this fund and that would be it.
During my period of saving it up, this has changed. As with everything else on this journey 😀
I have a deep feeling that I want more and I need more in many sorts of ways.
So as of today, I do have my emergency fund and my sinking funds.

I have officially reached and crossed the 100 000 line.

goal lettering text on black background
Photo by Anna Tarazevich on Pexels.com



– No this is not dollar nor Euro but Czech crowns, so maybe not as much as some but for me. Hell yeah!

I am so incredibly happy and proud of it. This has really helped me a lot in reducing the level of my anxiety.
It is quite interesting though, as when I started this transformation this amount seemed so high and totally a fortune, now it seems like just a small dent of a fortune.
Especially as I made a decision though to add more money into my fund, I am opting for 12 months.

You Cannot Save Up Wealth- This Is What I Do Now

I live pretty frugally.
I live below my means and I do save a lot today.
I look at things and wonder if I really need to get or buy an item or if I can do without. Pretty often it means that I do not buy it, as I realize I can be without.
I do not let the lifestyle inflation eat up my pretty good paycheck.
I can save quite a lot of money, and I really enjoy doing it. I do not think it will likely change anytime soon.

What I do not think though is that one can save up wealth.

I do not want to cut back on everything and save 70% of my paycheck. That is not what I am looking for.
My latte for 2 euro a cup, will not bring me wealth if I cut it down.
Do not get me wrong, cutting back and making sure I did not use more than I got helped me a lot. For sure.
But where the real work began, was a good paycheck that made it possible for me to save up bigger amounts.
But the good paycheck just takes me one step.

The same as the latte cut back will not make you rich, saving from your good paycheck will not make you either.
Obviously some exceptions here, but I am talking about us regulars with normal wages.

I believe in investing.

photo of person holding smartphone
Photo by Anna Nekrashevich on Pexels.com

I think that to build a bigger net worth I have to invest. Of course, now comes the crux; what the hell to invest in.
By the end of 2021 I want to have reached and crossed the 250K line. I got 6 months more to go and quite a bit to go.


What is your best tip and what to do to make this happen?

Quarter Review of My Weight loss and Life Transformation

3 Moths has come and gone already. 2021 is shooting forward, and time could not be flying slower and faster at the same time.
So many things I want to do and there is no time for it, yet as there is nothing open the time runs extremely slow.
An oxymoron I know.
As you can see, that looking at my weight and body I have not changed for the positive. But it is OK,
I love to look in the rearview mirror and evaluate my life.
If we do not look back at what has been, reflect and ponder upon what was, we cannot move forward.
Or as you would refer to it in Agile and Scrum, to hold a retrospective.
What to ask oneself in a retrospective is:

  • What went well in the Sprint?
  • What went wrong in the Sprint?
  • What We had Learn in the Sprint?
  • What should we do differently in the next sprint?

Why on earth am I speaking about Agile and Sprints, well funny fact I am a certified Scrum Master, hence the reference.
I do think that they are really good questions and if we want to succeed in life we have to ask these things.
My Sprint refers to the 3 first months in 2021.

What Went Well In My Weight Loss and Life Transformation?

Due to the lockdown we went into in October, being harder than what we experienced April through July, I had to quite my PT.
I was really scared going into new year, with keeping my consistency in working out. I know working out is not that much related to weight loss, but I want to transform life and keep a healthier life.
What I am really proud about is that I have kept the consistency and I went running 3 times a week on average and 2 times of homework outs.

I started journaling and list making and it has been imperative for me. It has structured down and visualized the issues I am dealing with. Seeing it on paper has been great for me.
In conjunction to this I have made a list to do of the day, and it really has kept me pushing myself forward. So many things were finally taken care of and I have felt that I was not stagnated in one spot.

Writing down my feelings and reactions to things, really have made me realized what I want and directing my life towards that life. Not just saying it, but actually working towards it. Being more intentional with my feelings and writing them down, has helped me healing in my eating disorder.

The plan in finding a hobby has been quite successful and I have been drawing, practicing my handwriting, and working on my math skills has all been so awarding. These are all things I want to put more time into.
It feels like my life took a big leap these three months.

What Went Wrong in My Weight loss and Life Transformation?

Nothing everything went perfect.
Has no one honest ever said.

My eating habits went a bit off these three months. I did give myself a bit more free room than I actually needed.
It has been great, tp start healing from my unhealthy eating habits but in doing so I gave myself a little bit too much wiggle room for eating things which is not beneficial for me.
It is good to let yourself rest a bit, but I should still keep my eyes on the ball and not feel like I have crossed the finished line. I still have 15 kilos which is considered over weight. I understand that scale is not all. But You can see in the photos that I am in no mean average weight still.

I could for sure have added more daily activity into my life. There has been cold and dark and March is hell month for me.
Come on winter, go away already! The panic I feel every single year.
Will winter ever end? Will spring and warmer weather come? Maybe this is the year when eternal winter will prevail.
This breaks me down and keeps me paralyzed. Keeping myself active is really helpful for me, dealing with this. And I have not done that. I have not done all the walk I should have done, just to keep myself not just sitting. As sitting makes me feel this hell, which March is.

Consistency in general has been a weak point, except me working out. It has been hard trying to keep the schedule I wanted to do. It seemed I forgot I have a kid that wants to see me, and me who want to see her too.
I think that I did a lot of work, feeling exhausted afterwards, feeling I needed to get out from home, being alone was all I could deal with. So that was really not positive at all.

What Have I Learned in My Weight Loss and Life Transformation?

I have learned, OK not learned but I have realized what are my goals. What do I really want out of life.
This is amazing! Journaling and working with myself and learning how to deal with feelings has cleared my head and I am realizing what I want.
I am seeing what is standing in my way, and I am learning not to be apologetic for it.
I have not always put myself nor my small family first, and this is absolutely shit. I have let people pressure me into doing things, which has not been beneficial for me nor my kid. I have done this, as I am so scared of being left alone and done anything just for people to like me.
I started this change already last year, but these last 3 months has been really great for this.
I will no longer be pushed into something I do not think is beneficial for me or my daughter. I have several goals and only to stay on track will they come true, and if someone can not deal with my change, I cannot do anything about it.
I am finding my voice again and it is amazing.

I am so capable of doing so much.
I have survived moves from country to country. Continent to continent. Divorce, poverty, lonelytude, depression, alienation, singlehood, parenthood, obesity, mental illness, death.
My adversity is my strength. If I can manage to drag myself up from all, anyone can. And I want to right there helping doing just that.
I have gone though this fairly alone but I have had some amazing support as well of course. I want to be that sort of support.

Searching for hobbies and interest has opened the door to a world that I feel has been lost for such a long time. I am interested in so many things again. I am so much more than what I have let myself be, for long time.


What Should I Do Differently These Following 3 Months in My Weight loss and Transformation?

To keep my good habits, which I felt were sliding a bit. I know they are really positive for me.
I have gotten a trainer, so I can work on some fitness goals I have had in mind and I need help hitting.
I need to do positive affirmations to keep myself on track for a transformed life.
I want to voice my voice more. If I do not feel something is positive for me, I need to do something about it.
Pragmatism. That is my lead word. I know it can be tough on friends and family, but I have just one life.
I want it to be awesome the rest I have.
It will happen with progression, not perfection.

Photo by Gabby K on Pexels.com

January Review- My Way to Financial Independence

As mentioned several times before. Money has been a huge source of stress for me the for a long time.
This changed this past year.
I made a very conscious decision year and a half ago to change my situation and to work toward financial freedom. It has helped me tremendously!
From being a basket case whenever I have just been thinking about my financial situation, and the feeling of hopelessness to where I am today.
I can do this.

I have decided that I will reach independence and that is it. Not in a week. Not in a year. Not in 10 either. But I will. I will live safe and comfortable. Actually I already am. Budgeting had really helped me with that. I already chose what I want out of life and my budget is just helping me reaching it.

How I start and go about my budget


So at the beginning of my financial month I posted about the start. Let us now have a check how things actually went.

As I wrote I do not go filling in my budget as I go. For each income I receive, I spread them out in my budget and how I want to spend it.
Even if I know I will get the money, I do not add it into my budget as I have learned from the past, that even if you are expecting the money something might happen and it does not come.
So I only add it when I can see them deposited into my account.
Then I assign that money into my categories. I always pay my needs first, and once that is covered I cover my half needs and the last my wants.

Needs Vs wants and that odd half need
  1. Needs- The first I add money into. These are the expenses I need to pay to cover expenses which I cannot chose to pay or not.
    This is such as Rent. Phone. Health insurance. Social insurance.
    I cover these things absolutely first as then I know I am done. In worst case scenario I have at least roof over my head and if I get sick I can get well.
  2. Wants- These are the things I want to pay for. The things I do not need to cover my life but to add that little fun in life. The ones which makes life fun to live. These are things such as Clothes. Bags. Phones. Books.
    All the fun fun fun things.
  3. Half- needs- so what is this about then? Well these are the things that I might not have to do or maybe not always want to do but a little bit of them both at the same time.
    Food is not something I maybe want to do, neither is it something I maybe have to get either every month a lot of as I do have quite a big pantry and freezer.
    Savings are maybe not either something that I do want to do every single month, but I do it anyhow. Workout is the same. want tor need? A half need 🙂
savings- what i do to get rich

OK maybe it is not right now to be rich but for a future independence for sure. I try to manage it that way so I can save about 30% of my income. More than that is not really feasible as I do want to live as well. I enjoy to go for walk and have a coffee of a hot drink. That is all we can do, and I do not plan to skip it. unless I do not reach the 30%.
I did great this month with this, and my emergency fund is almost fully funded. I was able to put in some 10k(czk) into it and I am extremely happy.
House payment- which is for a down payment is still empty but I want to get my emergency fund full before I add into this category.
Sinking funds- Not really savings in the long term but more for the short term and this is not really into my financial independence but I somewhat count them in here anyhow. They help me live stress-free so anything that does that, goes for me.

the real independence building

This month was the first where I actually planned for and executed my new plan. I have officially started investing in stocks and signed up for a retirement plan. I know. I am 35 and I have had nothing like that.
The plan was to live for free in the flat we purchased in Bolivia and much further than that we did not come in our retirement plan. And anywho, that plan failed miserably. Finally did I feel I had enough of saved things and steady income to be able to really do something.

When is enough?

I am extremely happy with January- February result. So when is it enough? When will I feel independent and safe? I ask myself this very often.
I do not know. I am constantly scared that something will happen and I will be left living on my savings and then it is not long before it goes away.
Therefor am I looking into how to save more and better.
I have a number in my head, that when I reach this I can start relaxing and not stress out over losing work or how to survive.
It is 1 000 000 czk. Then maybe. I will aim for this. I need to work hard and be focused but I will reach it.
And now we erase this and start all over for Feb-March

What is your goal?

Sinking Funds and How They Helped Me Overcome Stress

Sinking funds work like this: Every month, you’ll set money aside in one or multiple categories to be used at a later date. With a sinking fund, you save up a small amount each month for a certain block of time before you spend. – Dave Ramsey

One huge stress factor in my life has been money and my finances. I might not have had the best ideas of finances but I did get by. Then I got married, for our standards today young at 25, we put all money in one basket so to say. We had the advantage that we earned quite some money so the idea if budgeting and tracking was not needed we felt. We were able to live like we wanted and felt like.
Funny thing is that that money that we so harmoniously shared at the beginning of our marriage, turned into only one persons possession once the separation was clear. Not just the money, but what we had use the money for- acquiring of a flat, furniture and our life.

I was not that lucky person.

I was left with absolutely nothing. Zero. Null. Zilch. All my financial stability was taken away from me, from one second to another. From having a flat, a car, furniture, and food in the fridge I was left with a flat that had a borrowed mattress, pillow and duvet. A cup and a instant coffee, sugar, kettle and a spoon.
This was it. For a long time I lived on without anything.
More than once did I need to ransack my bags, and pants, and check under the sofa to find few coins for bread and transportation for my child and myself to work.

Needless to say, I struggled financially after the divorce. And it created a huge stress and burden on me. Knowing that my daughter had to witness her mother in tears and stressing out, from the fact she needed to eat as there were no money, still makes me sad.
The shame of not having enough money to send her to school with the required equipment. Not knowing if we would be able to pay the rent or not. If I could have her living with me as I had no money for basic needs.
The thing I should have done I stopped doing and what I should have stopped doing I started doing. I did what I do best in stress. Eat. My weight started creeping up.

Starting Back from scratch again

I was able to return to Europe a year and a half after the divorce and the situation was not very well either. I had arrived with 4 suitcases and a scattered life and needed to restart again. But I was able to start to work on my finances after some time here. I sorted out a proper job that eventually could lead into better earnings. Slowly but surely did I go from bad to better situation. I did not need to live from day to day in my life anymore, but I could start live at least paycheck to paycheck which for me was a great improvement.
Living from one day to another is not a great way to live, then a month to month is considerably better.


But even though it was better, it never really improved on a real scale though. Even though I had better job, and better income. It was always something that happened, which drained all the small savings I had started. Always one emergency away from chaos. And as it was all together in one pot, I was never really sure about what I was actually saving for.
Beginning of school year expenses, yearly ticket with public transport, winter seasons and its clothes. And let us not think about Christmas and birthdays. I had a bit of a financial chaos back home as well. Would it never stop? There were quite some times when I did think I would need to surrender and just give up. One thing I am expert in doing when in stress is what?- EAT
And eat I did.

Something had to be done though. It could not be like this for the rest of my life. Always living in this angst world. There just had to be a way.
You might say Universe provide, I just say luck or that I was actually opening my eyes for a solution. And the solution came in the shape of a blog post. I came across The Financial Diet

Getting my first sinking fund in order

Right around November, people start saving rapidly for Christmas, Hanukkah, etc. But what if you had been putting $15 or $20 a month away, for a no-sweat holiday season? This, in essence, is the value of sinking funds. Minimize the stress you feel about large, predictable expenses through small, long-term savings goals.

This is exactly what I read. And it hit a cord inside me. I did budget to some degree but then those yearly expenses came. Or the unexpected expense that comes with a broken phone. Anyone that knows me can testify that I am expert on this field.
So why not try something new.
I started my first sinking fund to fund Christmas 2019. My plan had been to leave to visit family in Sweden and I had stressed about the idea, of how I would afford it. So 4 months ahead I started to, quite aggressively, put away some money.
I hit the goal and we went for a Christmas trip up to Sweden. It was a strange feeling as it was the first time I did not totally stress out about what we spent. I knew I had the money and it would not affect next month.
Maybe I was onto something.

  • I decided to continue that fund for Christmas 2020. And every month I put away 500 Czech crowns– 20 euro. In the end it was 6000 which would more than cover the expenses for my girl and I.
  • In the end of February my yearly ticket was up. I needed to get a new one. I had to get a small loan for it. I knew what my next Sinking fund would be for Transportation pass.
    I added 250 czk every month and by the end of this month I will get a new yearly ticket, with money over which will be my base for next years ticket.
  • My daughters birthday would come, as it does every year somehow in the past I would always get so surprised by it, by the end of October. Why not get one for that too? So again, an amount of 500 CZK over the course of 8 months, did end up with quite something.
  • I went freelancer last year, and income tax would be paid by me once a year. Even though it might not feel too much fun to remove an amount every month, 500 CZK was not that much compared to 6000 in one go.
Life with sinking funds vs without


I keep adding on Sinking funds into my Bank app. I have free accounts and it makes it all so much easier. The money are clearly divided and I see exactly how much I have, or need. To have a big chunk of money with no destination was so intangible for me. How did I know if I had enough money for everything?
I did not.
Now it is all so clear.
I just received an invoice for my freelancer address which I had totally forgotten about. I had the money but needed to play with my budget to be able to pay it. I needed to deprive myself from something this month to be able to get that big payment made.
I directly opened a new fund and will put a small amount every month so I will have it covered next year. This way I do fund all the things I want to have money for and want to do by a little every month nd without depriving myself from living during I save.
Some funds are long term goals and I only put in money once in a while or when a short term goal has been reach, not to send too much money to the sinking funds either. Dentist and house payments are not needed to add to every months whilst Summer vacation 2021 get a bit more attention now.


In many ways, even though it feels bad to say it, 2020 was the best in my life. I overcame the adversity with money. I have not been this financial stable since before the separation. This has reduced my anxiety immensely. And no anxiety means less overeating. No overeating means no weight gain.
I stress so much less. I stress over other things yes but my financial stress is decreased by the handful. I know that slowly but surely all those goals and needed payments are getting funded and I will have the exact or more of the amount needed.
That has had an immensely positive impact on my mental health, where I can sleep at night and I do not stay up wondering how I will be able to get that extra money.
And what I do when I am stressed is to eat. Over eat and overfill myself. I still sometimes do today, but at least not because of my anxiety over my upcoming invoices.

Stop Living Paycheck to Paycheck- Working Towards Financial Security

Living paycheck to paycheck: For many, this act of using most or all of your monthly income to cover your monthly expenses — with no money left over and none for savings — is a fact of life.” – Read more here

Photo by Karolina Grabowska on Pexels.com

I used to have huge problems with my personal finances. Especially after my divorce. I spiraled down into this black place of borrowed money and panic over paying rent. 
I once had a washing machine dysfunction and my entire flat was covered in water, leaking down to my neighbors. I ran to the janitor in the building complex to fix it. He had to turn off water in the building and to turn it on, I needed to repair the connection with my washer. It cost 200 Bolivianos, 30 dollars or 25 euros. 
I did not have it. 
This was not the last time something like that happened, but at one point in life I was exhausted by this. Exhausted by living one small accident from chaos. One tiny incident away from eviction. I had to do something. 

How to Not to Budget and Failing to Keep On Track

This is my first-ever budget. It is not a fancy program that you connect to an app that is connected to your bank account. I had KISS in mind.

Keep It Short and Simple. 

There was no point in adding fancy things and complicating it. I needed it as simple as possible, to actually do it and be successful. I have more categories now, and few more tabs now. Tracking all kinds of different things.  
And truth to be told, even this was too boring and complicated and the first 2 months I did not really know what the heck I was doing and mostly did I not do it.
I added some arbitrary number ideas to my excel sheet, expecting it all to come together. Deciding I would spends this and that amount on this and that category.I had really no idea what I had previously spent, but it sounded great to spend 100 euro on food. That is about right, right? 
It was all just a mess and I felt many times I would be better off just stopping. I kept on though and practice become the master.  At this point it was Youtube and blogs I watched and read to understand what I needed to do. 

 And with this structures and processes happened. It helped me understand how I can budget, with my type of income, better. I am a freelancer and I get paid a bit all over the month, so it is hard to think about my paycheck as my monthly income. I want the money to work for me, not me for my money. I need to create the life I want with my money. If I do not want to spend 100 Euro on money, why should I put this arbitrary number into my budget? 

Realizing that a budget is not one thing fits all was the big thing that helped me. I can make it do and work for me, how I need to to work.

One Effective Way to Budget to Make the Money Work For You.

Instead of budget for future money, and adding in some random numbers into random categories I decided to budget with the current money I have. I decided to go from 15-15 each month, and everything that was leftover would be treated as extra money and be added to savings and anything that came into my account after the cut-off date would be counted as the new month’s money. I also decided to only budget the money I actually had received and not money that would come in. 
I also sat down and looked where I wanted to go in life. What were my life and financial priorities.  When these were defined I looked if they were actually in my budget and what amount did I assign to this priority. 

I wanted health and active activities, but I, in my budget had 0 allocated for this. So I always felt short of money doing just this. On the other hand, did I have a HUGE category which was for entertainment and drinks.
Where were my real priorities?  All this is crucial to define. This can obviously change over the course of time, and I look at this every month. What do I want to do? What is my focus this month?
Having these defined I set up the plan on how to allocate the money received and nothing else. 

 

  • I have only received two payments this month and it is only these two I will budget out
  • The most crucial expenses are listed out and how much I need to pay for these. If these are paid first, I know that my obligations are fulfilled and I can sleep better at night.
  • You budget clothes and no food? I have a full fridge for another week and I know there is coming in more money for this, in one week. And I have to get snow protective clothes for my kid! This is what I mean by having the money work for me. Why put money in a food category if I do not need it now?
  •  After paying them, tracking them just by adding them to the right category.
  • When I get a new payment I will add this into the budget and give the money a job in the categories I feel and know needs to be contributed to. 

This way I have a clear view of what I can actually afford and not and at what time. 

Will This Make You Reach Financial Freedom?

Absolutely not. 
This is the first change and decision I made to create a better financial life and stop the vicious cycle of living paycheck to paycheck. Creating wealth and financial freedom is a lot of work, but one has to start with the first step.  It was far easier and better than I could ever have excepted.
It is now clear and obvious what I have to pay, what I want to cover, and how to get the money create the life I want. 
This has resulted in far less stress and anxiety which has left me with a feeling of relief that I did not for many years. This order in my finances created the space how to add new levels to my money and make them work even
It is sometimes strange not to stress over my finances and the disorder it used to be in. Strange but amazing more for me. 
Overeating and stuffing myself due to poor financial control is no longer my problem.
This is why it is so important to have a holistic view of weight loss, as it is all connected. NO machinery works well without all its bolts and gears.