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  • FIRST POST
    • 12 month challenge
    • By 12 month challenge 27th Aug 15, 10:17 AM
    • 2,283Posts
    • 4,833Thanks
    12 month challenge
    My so called friend MR DEBT only has 36 months left to live
    • #1
    • 27th Aug 15, 10:17 AM
    My so called friend MR DEBT only has 36 months left to live 27th Aug 15 at 10:17 AM
    Hi all
    I feel I need to keep a diary to keep me on track to my goal. A little background info: Married for many years,2 grown up children(still at home, they've had it too good here)
    Lots of debt and nothing to show for it

    Anyway now I look forward not back.

    I hope I will find it easier if I write a diary and keep track of everything we do with our money. (or someone else's money if my CCs are anything to go by)

    I have been here before and totally fell off the debt busting wagon. Enough is enough now.

    Good luck all and me
    LBM August 2015 Credit Cards = £33,195.55
    Last edited by 12 month challenge; 03-08-2016 at 10:41 AM.
    EF#154 = £1,000
    SP 9 # 531 = £620 SP 10 # 531 = ?
    PDBX #2 = £15,651.01/£12,000
    Barclaycard 1 paid Barclaycard 2 paid MBNA £14,000/£8,978.99
Page 34
    • 12 month challenge
    • By 12 month challenge 11th Aug 16, 7:45 PM
    • 2,283 Posts
    • 4,833 Thanks
    12 month challenge
    Well done that's huge. It's amazing how much you can eat, isn't it?

    Denise
    Originally posted by joedenise
    Hi Denise

    I can honestly say that I was worried about getting on the scales. I said to my DD that I will be disheartened if I haven't lost anything.

    Although I did start to feel like I had lost a bit by the end of my week I was still sceptical.

    I will certainly be continuing and I know that you always lose a little extra during the first week but It is a weight loss plan that I am going to stick to and am actually enjoying.

    Heres to the start of week 2
    X
    EF#154 = £1,000
    SP 9 # 531 = £620 SP 10 # 531 = ?
    PDBX #2 = £15,651.01/£12,000
    Barclaycard 1 paid Barclaycard 2 paid MBNA £14,000/£8,978.99
    • joedenise
    • By joedenise 11th Aug 16, 9:11 PM
    • 4,445 Posts
    • 29,287 Thanks
    joedenise
    Hi Denise

    I can honestly say that I was worried about getting on the scales. I said to my DD that I will be disheartened if I haven't lost anything.

    Although I did start to feel like I had lost a bit by the end of my week I was still sceptical.

    I will certainly be continuing and I know that you always lose a little extra during the first week but It is a weight loss plan that I am going to stick to and am actually enjoying.

    Heres to the start of week 2
    X
    Originally posted by 12 month challenge
    I've been doing SW since July 2010 and been at target since December 2010 so nearly 6 years and still go every week but it's mainly for the social side of things now.
    • 12 month challenge
    • By 12 month challenge 13th Aug 16, 12:13 PM
    • 2,283 Posts
    • 4,833 Thanks
    12 month challenge
    Wow what an achievement. Well done you. I still have 1st 11lb to lose but am very confident that I WILL get there.


    I have made lots of the recipes too and have found them easy and delicious so far.


    I have even made the syn free ice cream


    x
    EF#154 = £1,000
    SP 9 # 531 = £620 SP 10 # 531 = ?
    PDBX #2 = £15,651.01/£12,000
    Barclaycard 1 paid Barclaycard 2 paid MBNA £14,000/£8,978.99
    • AspiringButAnxious
    • By AspiringButAnxious 13th Aug 16, 5:14 PM
    • 609 Posts
    • 2,285 Thanks
    AspiringButAnxious
    Congrats on the weight loss! SW seems to be the healthiest plan around, largely because it encourages people to eat rather than starve themselves. Hope it keeps going so well
    Rainy day fund — 3.16/500 Emergency fund target — 500/1000 Nest egg — circa £40
    Loan — 3081/15,487 = 19.8% Fun fund: £0.05 Credit card balance — £900
    • 12 month challenge
    • By 12 month challenge 13th Aug 16, 7:46 PM
    • 2,283 Posts
    • 4,833 Thanks
    12 month challenge
    Hi ABA


    I even made everyone SW curry and rice for dinner and no one even noticed


    It really is the healthiest I have ever eaten.


    I have also found it very easy so far.


    I know the weight loss will slow down after the first week but hopefully it will keep coming down.


    x
    EF#154 = £1,000
    SP 9 # 531 = £620 SP 10 # 531 = ?
    PDBX #2 = £15,651.01/£12,000
    Barclaycard 1 paid Barclaycard 2 paid MBNA £14,000/£8,978.99
    • joedenise
    • By joedenise 13th Aug 16, 8:12 PM
    • 4,445 Posts
    • 29,287 Thanks
    joedenise
    That's what I like about SW. The recipes are definitely family friendly. However, no need to stick to the SW recipes, you can make most of your "normal" meals SW friendly by doing things like swapping oil for frylight.

    The thing I find hardest is the amount of bread you can have - it's quite high syn to have extra but you do get used to it.

    You might be interested to join the MSE thread for SW on here. The current thread is "Be a Stunner for Summer with Slimming World" - it's in the Health and Beauty forum.

    Denise
    • 12 month challenge
    • By 12 month challenge 13th Aug 16, 9:33 PM
    • 2,283 Posts
    • 4,833 Thanks
    12 month challenge
    That's what I like about SW. The recipes are definitely family friendly. However, no need to stick to the SW recipes, you can make most of your "normal" meals SW friendly by doing things like swapping oil for frylight.

    The thing I find hardest is the amount of bread you can have - it's quite high syn to have extra but you do get used to it.

    You might be interested to join the MSE thread for SW on here. The current thread is "Be a Stunner for Summer with Slimming World" - it's in the Health and Beauty forum.

    Denise
    Originally posted by joedenise
    I might be a stunner by summer 2020

    I have substituted bread for dark rye rivita and cracker thins so far so good.

    I will definitely check out the other thread. Thanks for the heads up
    x
    EF#154 = £1,000
    SP 9 # 531 = £620 SP 10 # 531 = ?
    PDBX #2 = £15,651.01/£12,000
    Barclaycard 1 paid Barclaycard 2 paid MBNA £14,000/£8,978.99
    • 12 month challenge
    • By 12 month challenge 15th Aug 16, 11:49 AM
    • 2,283 Posts
    • 4,833 Thanks
    12 month challenge

    Hi all


    Payday today so all DDs have gone and loan payments have been made. need to add some to my snowball account and see how that is building.


    Also we have just managed to upgrade OHs mobile to a sim only deal. A link on here to EE gave him unlimited texts, unlimited minutes, 16GB data AND a £90 Amazon voucher He is already with EE so it was very straight forward Thanks


    My slimming world is still going well. I have made baked eggs, peppers and spinach bake. Its sounds awful but its delicious and very filling. Its also FREE so I can eat loads of it



    Had another swim yesterday but have to pay now as my free 7 day trial is up. It is £4 very well spent though, I love it as its time for just ME.


    Hope you are all well and enjoying the sunshine
    x
    EF#154 = £1,000
    SP 9 # 531 = £620 SP 10 # 531 = ?
    PDBX #2 = £15,651.01/£12,000
    Barclaycard 1 paid Barclaycard 2 paid MBNA £14,000/£8,978.99
    • joedenise
    • By joedenise 15th Aug 16, 2:42 PM
    • 4,445 Posts
    • 29,287 Thanks
    joedenise
    12 month challenge if you're having the baked eggs etc as a meal why not have it with Free SW chips? Makes for a very filling dinner or lunch if you like to eat then. I would also add some mushrooms and maybe roasted tomatoes too.

    Glad you're enjoying the swimming and as you £4 is a good price for ME time, most of us don't get enough of that!

    That was a good deal your husband got on his mobile and as you say very .

    Have to enjoy the sunshine while we have it, never know how long it's going to last!
    • 12 month challenge
    • By 12 month challenge 15th Aug 16, 5:22 PM
    • 2,283 Posts
    • 4,833 Thanks
    12 month challenge
    joedenise I have added mushrooms and courgettes to it too. I think my body is quite shocked at all this healthy eating and I never thought of adding SW chips. I will next time.


    I said to my OH that the money we are saving on his mobile I can have for swimming


    The ME time is actually doing my mental state very good. Hopefully my physical state too
    EF#154 = £1,000
    SP 9 # 531 = £620 SP 10 # 531 = ?
    PDBX #2 = £15,651.01/£12,000
    Barclaycard 1 paid Barclaycard 2 paid MBNA £14,000/£8,978.99
    • 12 month challenge
    • By 12 month challenge 12th Oct 16, 9:29 PM
    • 2,283 Posts
    • 4,833 Thanks
    12 month challenge
    Hi all

    Sneaking back in to my diary and hoping no one notices how I've neglected it

    Have been AWOL due to life, work and family illness getting in the way (Thankfully, not me or mine I have to add) but all has settled down now. ( Fingers crossed)

    Anyway, I have caused NO damage financially and have been chipping away at my debt total slowly but surely. Even managing to buy Christmas presents early again. Wow is it really approx a year ago I was buying Xmas prezzies with MY money and not on CCs.

    When I think how far I've come it makes me realise that I could've done this long ago. Still I have (I hope) finally got the hang of this money business and aim to carry on trudging right to the very end.

    It can be a little depressing at times though as work colleagues are constantly on about how they have already booked their next years summer holiday. I have not even been tempted to book a holiday that I can ill afford. been there done that.

    I will get much more joy when I can finally say I am debt free and am saving for a well deserved holiday.

    Still sticking to my slimming world plan. I have now lost 19lb so far and have approx. 10lb to go whoop whoop

    I hope you are all well
    x
    EF#154 = £1,000
    SP 9 # 531 = £620 SP 10 # 531 = ?
    PDBX #2 = £15,651.01/£12,000
    Barclaycard 1 paid Barclaycard 2 paid MBNA £14,000/£8,978.99
    • Bobarella
    • By Bobarella 12th Oct 16, 10:28 PM
    • 7,975 Posts
    • 51,225 Thanks
    Bobarella
    Yes but how are they paying for next year's holidays?? You know what they say about The Joneses
    £795 to pay =70% repaid
    RR 2016 #2 December £0.51 2016-£55.16 2015- £84.20)
    Wombling Free 2016#5 £2,230.42 2015 £1027.20
    NST December
    PAYDBX #7 £1890.53/£2,700 (70%)
    • Upsidedown Bear
    • By Upsidedown Bear 12th Oct 16, 10:44 PM
    • 16,548 Posts
    • 72,971 Thanks
    Upsidedown Bear
    Hello, lovely to see you.




    Sorry to hear about family illness and I hope everything stays settled down now for you.

    No more debt Christmas presents early Lost more weight
    You are on a roll - well done
    The Devil whispered in my ear "You are not strong enough to withstand the storm".
    Today I whispered in the Devil's ear "I am the storm".

    In Solidarity: Andy Woodward - Jeremy Corbyn
    Cheap Coffee Lover

    • 12 month challenge
    • By 12 month challenge 13th Oct 16, 6:50 PM
    • 2,283 Posts
    • 4,833 Thanks
    12 month challenge
    Yes but how are they paying for next year's holidays?? You know what they say about The Joneses
    Originally posted by Bobarella
    You are so right Bob. Need to keep reminding myself that.

    A work colleague of mine has paid her deposit for her hols and now pays £250 per month between her and her partner for the next 10 months

    She is constantly saying how tight things are financially too. is it really worth it?

    Anyway I will be saving for my next holiday and when I have the funds then I will go. I maybe about 85 by the time that happens but hey ho

    So glad your total is now into 3 figures. Good on you and keep plugging away.
    x
    EF#154 = £1,000
    SP 9 # 531 = £620 SP 10 # 531 = ?
    PDBX #2 = £15,651.01/£12,000
    Barclaycard 1 paid Barclaycard 2 paid MBNA £14,000/£8,978.99
    • 12 month challenge
    • By 12 month challenge 13th Oct 16, 6:56 PM
    • 2,283 Posts
    • 4,833 Thanks
    12 month challenge
    Hello, lovely to see you.



    No more debt Christmas presents early Lost more weight
    You are on a roll - well done
    Originally posted by Upsidedown Bear

    Hi Bear and thank you for reminding me I HAVE actually achieved something positive

    Pay day tomorrow. I get paid early as the 15th falls on a weekend. This means my DDs don't go until Monday so it looks like we're rich over the weekend

    The truth will out on Monday morning when my bank account shows the true readings but at least my bills are all paid eh.

    I will then be making some extra payments towards my debt total and knock a little more off of it.

    Onwards and upwards
    x
    EF#154 = £1,000
    SP 9 # 531 = £620 SP 10 # 531 = ?
    PDBX #2 = £15,651.01/£12,000
    Barclaycard 1 paid Barclaycard 2 paid MBNA £14,000/£8,978.99
    • 12 month challenge
    • By 12 month challenge 13th Oct 16, 7:07 PM
    • 2,283 Posts
    • 4,833 Thanks
    12 month challenge
    Will be spending some time tonight writing a grocery shopping list. Only the things we desperately need.

    I need to dive into the freezer to see what is actually in there and not make a list based on what you only can see on the top when you open the lid.

    Will also be cutting down on Christmas this year too. My 2 are far too old now to wake up to lots of presents. Although they do not expect it I feel like I should buy things so it makes it look a lot.

    Anyway I have already asked them what they would like and they have given me a couple of ideas which will not work out too expensive.

    I hope to have it all organised early again this year as I was very proud of myself last year. (and no CCs)

    Actually looking forward to another 12 month challenge. When I look how far I've come it makes me determined to carry on, however long it takes me.

    It actually feels good to have time to nose around MSE again.

    x
    EF#154 = £1,000
    SP 9 # 531 = £620 SP 10 # 531 = ?
    PDBX #2 = £15,651.01/£12,000
    Barclaycard 1 paid Barclaycard 2 paid MBNA £14,000/£8,978.99
    • Bobarella
    • By Bobarella 13th Oct 16, 10:26 PM
    • 7,975 Posts
    • 51,225 Thanks
    Bobarella
    You are so right Bob. Need to keep reminding myself that.

    A work colleague of mine has paid her deposit for her hols and now pays £250 per month between her and her partner for the next 10 months

    She is constantly saying how tight things are financially too. is it really worth it?

    Anyway I will be saving for my next holiday and when I have the funds then I will go. I maybe about 85 by the time that happens but hey ho

    So glad your total is now into 3 figures. Good on you and keep plugging away.
    x
    Originally posted by 12 month challenge
    I think it the same mindless mentality most people follow. Must have a car. Must go on holiday. Must buy new clothes and takeaway's. If you ask if they are happy they'd be surprised and have to think about it.
    £795 to pay =70% repaid
    RR 2016 #2 December £0.51 2016-£55.16 2015- £84.20)
    Wombling Free 2016#5 £2,230.42 2015 £1027.20
    NST December
    PAYDBX #7 £1890.53/£2,700 (70%)
    • 12 month challenge
    • By 12 month challenge 18th Oct 16, 7:14 PM
    • 2,283 Posts
    • 4,833 Thanks
    12 month challenge
    Hello diary world

    Not too much excitement happening here. Still plodding away at my debt totals. was having a very good week so far until I arrived home from work to a traffic violation fine

    Took a while to work out which one of us it was but it turned out to be the OH. Mind you I did get one a couple of year ago for the same thing

    Anyway I've paid it while they say I can have it for half price.
    Makes me feel like I've got a bargain at least.

    x
    EF#154 = £1,000
    SP 9 # 531 = £620 SP 10 # 531 = ?
    PDBX #2 = £15,651.01/£12,000
    Barclaycard 1 paid Barclaycard 2 paid MBNA £14,000/£8,978.99
    • Purplemumof2
    • By Purplemumof2 18th Oct 16, 7:56 PM
    • 3,928 Posts
    • 11,529 Thanks
    Purplemumof2
    Took a while to work out which one of us it was but it turned out to be the OH. Mind you I did get one a couple of year ago for the same thing

    Anyway I've paid it while they say I can have it for half price.
    Makes me feel like I've got a bargain at least.

    x
    Originally posted by 12 month challenge
    Official DFW Nerd Club - Member no. 791 - Proud to be dealing with my debts
    BC: £8850.00 Overdraft: £2750.00

    15 NSD - 8/15, 10 LSD - 3/10, 15 AFD - 1/15, Lunches to work 9/20

    20p Savers 2016 £2 Savers 2016 50p Savers 2016 SPC 9 2016 #003
    • Upsidedown Bear
    • By Upsidedown Bear 18th Oct 16, 8:03 PM
    • 16,548 Posts
    • 72,971 Thanks
    Upsidedown Bear
    Hello diary world

    Not too much excitement happening here. Still plodding away at my debt totals. was having a very good week so far until I arrived home from work to a traffic violation fine

    Took a while to work out which one of us it was but it turned out to be the OH. Mind you I did get one a couple of year ago for the same thing

    Anyway I've paid it while they say I can have it for half price.
    Makes me feel like I've got a bargain at least.

    x
    Originally posted by 12 month challenge
    At least you can see the funny side

    Hello back at you
    The Devil whispered in my ear "You are not strong enough to withstand the storm".
    Today I whispered in the Devil's ear "I am the storm".

    In Solidarity: Andy Woodward - Jeremy Corbyn
    Cheap Coffee Lover

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