The Tik Tok 75 Hard Challenge, Let’s Start Tomorrow

It’s the end of the week, Sunday Night and I’m sat here relaxing having spent the weekend and in fact the past week filling my face with everything from McDonald’s to Subway, Dominos to Ice Cream and everything in between

Realising that of late I’ve let my motivation fully slip away from my self in terms of maintaining the healthy lifestyle I was developing

I was previously down around 45lb but at this point that had gone back to 20lb down

With that it’s time to focus up and get back to grinding towards to weight goal! But not only that it’s time to focus up and improve all aspects of my life

I recently shared some incredible news in which I was able to shed a large part of my debt and I’m now working towards paying off the final £3500 or so that I owe

I’m sure like many people out there I have recently come across a trend on tik tok that had peaked my interest and in fact I have decided to take the plunge from tomorrow and give it a go

The 75 Hard Challenge

A mental toughness challenge that is aimed to focus your mind and body over a 75 day period

I’m going to be using this challenge to help get myself motivated again in terms of losing weight and getting back into that healthy mindset but I’ll also be using this as a foundation to learn, and develop and will be looking to come away from this focused

So what are the 75 hard challenge rules! Well it has 5 of them and I’ll be following all of these though I have tweaked it slightly which I have noted below

The Rule Set:

My 75 Hard challenge

1. Pick a Diet: for this I will be going with if it fits your macros (IIFYM)! I’ll be tracking calories, protein, fat & carbs throughout my journey

2. 2 x 45 Min Workouts (1 x outside): This will consist of 1 x weight based workout at 4am each morning before work, & 1 x 45 min outdoor run around 7pm each evening

3. Drink a Gallon of Water: I’ll be changing this and looking to drink 2.5-3L of water per day as 4-4.5L is a bit excessive to me

4. Read 10 Pages of Non Fiction: Again this will be something I’ll be changing a bit. Now I will try and read some actual books but I will be looking to listen to a lot of books on audible and will set out around 30-45 minutes per day to listen to a book if I am not reading one

5. Take a Daily Progress Picture: This seems fairly straight forward, in fact I’ll be posting a daily photo on my IG page to see how the progress is going (some clothed, some shirtless for comparison).

I’ll be starting the 75 hard challenge tomorrow (Monday 17th May) and I’ll be documenting this through my Instagram, Twitter & via this blog over the next 75 days! In fact maybe longer if I mess up! The rules do state that if you miss a day you have to start over

With all challenges it’s good to set goals and this is no different, I’ve given myself a few challenges to get started and I’ll update these as the days progress

My Goals for 75 Hard

To Lose Weight: I’ll be judging this both with a daily weigh in & with my progress pictures. Ill be aiming to go from 226.1lb (Current Weight) to around 190lb over the course of the 75 days which will be around 3lb weight loss per week

Create a Side Hustle: Over the course of the 75 days I’ll be looking to create at least 1 side hustle as a minimum and will be documenting this

With a rule being to read more i will be mainly focusing on entrepreneurial, money & business focused books on audible to learn and help in creating a side hustle

Grow My Following: I want to focus on growing my social media following especially on this blog and my Instagram (Drage_162)

I’ll be posting daily progress updates on Instagram and will be using the Instagram stories a lot more to interact

Its going to be a tough 75 days! That’s why it’s the 75 Hard & not the 75 Easy challenge

It will involve a lot of focus to get into the routine in the beginning, working at 6am most days and with an 18 month old at home I have to learn to fit the workouts in when I can hence going to the gym at 4am and a run in the evening

This is not only a challenge I want to do to better my fitness but to focus up and create a better lifestyle in all working towards more income streams, becoming debt free, and more

I am rather poor at staying consistent on the blog and that’s going to change going forward with at least 1 post about the 75 hard Challenge per week including a round up of the past 7 days

For now I hope your all having a great weekend, let me know if you have done this challenge and how you found it! And wish me luck for the 75 days ahead

Stay Safe, Stay Positive, & Keep Working Hard

From £10k to less than £3k debt in a week! How an unaffordable purchase has helped me wipe £7k debts

What’s good everyone??

Writing this it feels like an absolute age since I last updated the world on my situation & it has been!

Mainly due to being lazy! Working most days, then coming home to write a blog always felt like it was a chore, but that’s not the case at all as I love writing these things and sharing my journey with everyone

And now seems like the perfect time to get back onto the blog and update the world after what has been a huge week for myself on my debt free journey

Let’s rewind to this time last week, I was sat with £9825 in debts! Fast forward a week later and my debt is sat at just £2567!! A huge £7258 difference and a big weight lifted from my shoulders

So, how did I go from nearly £10k debts to less than £3k debts in a week!

Unfortunately it’s not some crazy scheme or amazing life hack that I can market and sell. It’s actually due to making an affordability complaint against my car loan company & the result of going further to the financial ombudsman

Back in 2019, after reading an online blog about affordability complaints I decided I would put one forward to Moneybarn about my own car finance

For the duration of the agreement I had struggled to always keep up with payments 1. Because of numerous other debts & payday loans throughout, & 2. Because I was heavily gambling a lot of the time

Initially Moneybarn declined my complaint, saying they had taken all relevant steps, checked all the necessary paperwork and taken my situation at the time into consideration

For the record the only checks that were carried out at the time I took the policy out was that they took a copy of 2 of my payslips

When I bought the car I originally found it, emailed the dealer, and within a couple of hours had the finance agreement in place and was on the way to collect the car

So after failing to get my complaint looked at properly via moneybarn and waiting a few weeks after their response I decided I had nothing to lose and decided to send it to the financial ombudsman service

For those who have not been to the FOS before, you are put into a queue in which you wait for your complaint to be picked up by an adjudicator who will then look at your complaint from both sides before making a decision on what they believe should happen!

Both parties can then accept the outcome or send this to an ombudsman for a final ruling

My case was picked up back in January and after a few months of back and fourth emails and calls with an adjudicator giving them payslips, old statements, credit files etc they came to a decision

At the time of the decision I had already paid the full price of the car and then some & the decision was as follows

• Moneybarn would pay back any over payments above the capital of the car along with 8% simple interest

• Moneybarn would transfer ownership of the vehicle to myself

• Moneybarn would remove any adverse information from my credit file

Let’s just go over the agreement:

The car was priced at £7210.00 with the agreement being made over 60 months

I put £0 deposit down, and monthly payments were around £246

The interest was something around 39.4% if I remember correctly and the total cost of the vehicle/ agreement came in at £14,755.67

Which when I look at it is crazy!! I was paying the price of the car in just interest alone

At the time of the decision from the ombudsman I had paid around £9755

Once everything had been calculated, I was given a redress of £2748

So how did I go from almost £10k debts to under £3k debts? Let’s take a look at what I owed and how I used the cash from the redress

1. Car – £5000 (wiped & ownership transferred)

I had around £5000 left on the agreement but that has now been wiped clean, and I am the owner of the vehicle which is amazing as this is now an asset of mine

Let’s look at the non car loans, I had 2 with Lowell, & 2 with Moorcroft

Non Car Loans:

1. Lowell 1 – £600 (£300 agreed)

2. Lowell 2 – £850 (£500 agreed)

3. Moorcroft – £850 (£10 per month)

4. Moorcroft – £110 (Paid Off)

New Total – £850

The Lowell debts I spoke with them and agreed a lesser figure than that of the original debt to pay these off immediately. I also did this with moorcroft but as they offered a fairly small discount I decided to pay off 1 of the debts and the other is on a £10 payment plan with the outlook to pay this off quicker where possible

We then had the credit cards, both of which were at their max limit but have now been paid off. I’ll be closing the vanquis account once payment clears and only using the capital one card on essentials

1. Vanquis – £250 (Paid Off)

2. Capital One – £250 (Paid Off)

Finally we have the main debts that are left! Debt to family, of course this was the least of my worries as although I am paying these back there is less pressure than that of a debt agency

1. Family: £784

2. Mum – £933

Total – £1717

Misses: £150 (Paid off)

Outstanding Debt Total: £2,567

There we have it, an outstanding amount of just £2567. Whats also important to note that my monthly outgoings have become less, giving me more disposable income at the end of each month & more money that I will look to save, invest & create more streams of income with

The plan moving forward is to now look at becoming fully debt free by the end of the year, paying off the remaining family members & the moorcroft debt too!

I’ll also be looking to sell my car this year and upgrade to a 5 door! A 3 door with a child just isn’t the one.

It’s been a crazy week and I’m glad the outcome went the way it did, moneybarn agreed with the outcome straight away and payment was made within 10 days which was great

The next thing will be to see how my credit file looks once the information had been removed and how I can improve my score going forward

But I’ll be more active on here creating more blogs this year about how that improves, what I’m doing to save and any side hustles I start which I currently have a couple in mind

Also with gyms now back open there will be more fitness related posts and more of what’s going on at the time in life

For now it’s great to be back! I hope you have a fantastic week! If your thinking of looking into affordability complaints check out the debt camel page by searching “Debt Camel” on Google

Stay Safe, Stay Positive, Stay Working Hard

Lockdown Lifestyle 2.0: Restarting True Gains – The Clothing Brand Side Hustle

Hey everyone, welcome back to the blog or welcome to the blog if your reading for the first time

Let’s start the week straight off with a blog post.

I’m really looking for some advice, feedback and just general thoughts from any of you guys and girls that may read this. So be sure to leave some feedback around this or get in touch on social media with your thoughts

Back in 2014 I was looking for side hustles which could be a good way of making some extra income and at the time I loved the idea of creating a clothing range / line of T shirts

I decided to create the brand “True Gains”

To me the brand was all about achieving goals, and making gains within our everyday lives through being motivated, dedicated, committed, determined & using both mental and physical strength & power to achieve things

This was the original logo and may be used again or modernised in some way

The meaning behind the brand still fully resonates with me today especially on this journey right now! I’m trying to use all of these characteristics to lose weight, get debt free and save money while creating different income streams for future success

I began the process by creating a logo or motif for the Ts, created social media accounts, and got a couple of sample T shirts made up

From that point I opened a big cartel store, which I still have the login etc for and may decide to use once again

I managed to amass around 550 views on the site over the next few months & made around £600 in sales

However, I decided to give up on this venture for a couple of reasons

1. I felt I was not really making money from this as it was costing a fair amount to get the items shipped & printed leaving me with very little profit margin

2. The process at the time for receiving the order, sending it to the printer, then shipping the item took a rather long time

Looking back now I do think I could of continued with this and as the business grew I would of been able to cut the time and cost down but being as I was in debt at the time and didn’t have much spare cash flow this wasn’t really an option

But, here we are 2021 and I’m looking at side hustles once again in a bid to earn additional income and clear my debts as well as create a stable future in regards to money

One of the things I’ve been thinking about is recreating the brand from 2014 and beginning the shop back up

I’ve managed to find a site in which the Ts would cost just less than £10 on print on demand and would allow for me to sell at around £14 – £15 making £4 – £5 per T profit after postage

As a start out this pricing may be less I would need to look at other brands and what they are charging to work out a rough cost but if I may a few pound profit to start that would not hurt as the whole process is now very simple as opposed to previously

These were the original Ts
More Original Ts

A customer comes to the online store, makes their purchase, the integrated system then tells the fulfilment centre what they ordered, they print and ship the items and then invoice me

I need to factor in of course any fees that may be incurred by the e commerce site for example big cartel I can list 5 items on the site for free before having to upgrade to the premium, or you have shopify which costs around £30 a month

If you have made it this far I would love your feedback on the below logo / designs of Ts and also any thoughts you may have on this matter

Have you used shopify or big cartel before? And what did you make of them for a start out venture

I think I’ll have to completely recreate my social media’s again and begin promoting the brand once again,

The initial costs in hoping will be less than or around £100 and that will include revamping the logo, T shirt mock ups, the first couple months of the site, and domain name/ hosting too

Please do let me know your thoughts on this one and I’ll catch you in the next blog ♥️

Lockdown Lifestyle 2.0: Weight Loss Check in Week 7

Hey everyone, welcome back to the blog or welcome to the blog if your reading for the first time

Here we go guys and girls we’re back with another weekly weight loss recap and showing some consistency in making sure we post these up

Let’s kick straight off and make this a fairly short blog this week!

Straight into the numbers we go…

We started the week at 214.0lb, and our average weight come this morning was 214.0lb once again meaning that this week we unfortunately didn’t have any weight loss

This of course means we didn’t hit our weight loss goal for the week which was 2lb and in fact we were some way off when you think about it! Which sucks, but, we don’t dwell on that we continue on and work harder this week

A couple of factors that didn’t help this week were the big weigh in on the Monday which was the post Valentine’s Day weight in & this morning I weighed in heavy after a few beers and some pizza last night as it was Saturday and I have a 3 day weekend

This is the thing I want to stress the most though to anyone out there dieting

When you have a bad meal, or you have a few beers, or you fall off track for a day, yes it may look bad in the numbers but it isn’t going to undo everything you have worked for unless you continually do this and allow yourself to slip up again and again

For me I like dieting in the week and having a bit of a nicer or more treat like meal at the weekend and it works for me well!

It will no doubt work even better once gyms are reopened and we can get back to training which will burn more calories and allow for these meals even better

But if you have a day where you don’t feel like it then just have a day off and continue tomorrow

Your hard work and consistency over time will show results and that’s what I have learnt to deal with

For me this week I’ll be dropping my calories to 2000kcal per day as of late I have found that I don’t eat until I get home from work which can be anything from 3-5pm and then I just eat all my daily calories at once so a slight drop really isn’t going to affect me too much

I’ll look to be a bit more on point this week and hopefully come next weekend we will see a nice weight loss amount

I’ve been thinking I want to help others with their journeys of weight loss and would love to work 1 to 1 with someone to support them, give them advice from what I have learnt and help you get results so if you feel this is something you would be interested in please do reach out to me and it’s all free of course

I hope you all have a great weekend and I’ll catch you all in the next blog

Stay safe, stay positive and stay winning ♥️