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    • another casualty
    • By another casualty 2nd Apr 17, 7:42 PM
    • 3,035Posts
    • 4,868Thanks
    another casualty
    I've quit everything. Now what ?
    • #1
    • 2nd Apr 17, 7:42 PM
    I've quit everything. Now what ? 2nd Apr 17 at 7:42 PM
    Thanks to all who helped me do the above .
    I may as well keep you updated , with my progression .
    I'm still in the honeymoon period . Wonder how it'll end up ?

    Loads of pages http://forums.moneysavingexpert.com/showthread.php?t=5349916

Page 63
    • Worrierwalker
    • By Worrierwalker 5th Sep 17, 4:14 PM
    • 57 Posts
    • 216 Thanks
    Worrierwalker
    My iMac is 6 years old and apparently it's archaic- I have to use my phone to buy stuff from the net. But I can't change it, its like a good friend. I know the tech companies want us to keep buying new and updating but you get attached.
    • gallygirl
    • By gallygirl 7th Sep 17, 7:56 AM
    • 16,455 Posts
    • 107,806 Thanks
    gallygirl
    [QUOTE=another casualty;73077761
    Also the one I currently have runs slower than snails having sex . Not enough ram
    [/QUOTE]
    Please tell me I'm not the only one who thought this was funny .
    Save
    A positive attitude may not solve all your problems, but it will annoy enough people to make it worth the effort
    Mortgage Balance = £0
    "Do what others won't early in life so you can do what others can't later in life"
    • harz99
    • By harz99 7th Sep 17, 3:22 PM
    • 2,492 Posts
    • 2,439 Thanks
    harz99
    Snails having sex versus Ram
    , sorry not seeing the connection. Lol.
    • Gigervamp
    • By Gigervamp 8th Sep 17, 1:25 AM
    • 6,238 Posts
    • 19,865 Thanks
    Gigervamp
    The "ramming" action in copulation?
    • anna_1977
    • By anna_1977 13th Sep 17, 11:14 AM
    • 597 Posts
    • 837 Thanks
    anna_1977
    hey AC, how's it all going? Are you managing to get to the gym this week?
    • another casualty
    • By another casualty 13th Sep 17, 6:07 PM
    • 3,035 Posts
    • 4,868 Thanks
    another casualty
    hey AC, how's it all going? Are you managing to get to the gym this week?
    Originally posted by anna_1977
    Hi Anna

    I went yesterday , for the first time in 2 weeks . Will go tomorrow and Friday to make up for it
    • another casualty
    • By another casualty 13th Sep 17, 6:31 PM
    • 3,035 Posts
    • 4,868 Thanks
    another casualty
    So, what's been going on ?
    I've had confirmation from payplan that all my payments are accepted and that I should only receive statements as usual from creditors telling the amount owing . It's only for record purposes , and I should not act ..just keep the paperwork .
    One other thing to note , is that it will be another 6 years before my credit history is clear . I have received 2 letters from creditors ..
    PRA group acknowledged my full and final . Wescot acknowledged my partial settlement . At the end of the day , it's all the same thing.

    I've asked James to get a cabinet for the living room and assemble it.
    This will get rid of the clutter / eyesore in the tv area. I've asked him to do one or two other jobs also. He still has to get shelf for the boiler room .
    Speaking of that room , I've managed to make it clear and functional at last this afternoon . Trouble is, I've taken everything into the bedroom temporarily and it's a bit of a mess.

    I have to put posters in frames and expect to have them on the kitchen and bedroom walls in the next couple of days .

    I have a friend staying over either this sat , or next .

    All dental work is now complete. However, as I'm paying a monthly fee I'm back in on the 28th for a checkup of some sort. I was told that as I'm paying monthly i may as well take it .

    Other than that , I've not been dong much

    Regarding the computer : I've waited for Tim crooks announcement . It's more or less all about the iPhone . I'm gonna get a new Mac when 'high sierra' is the main operating system . That's probably gonna be October . Then I will have a computer that's not tortoise like .

    Hope all is well with you all
    Last edited by another casualty; 13-09-2017 at 7:26 PM.
    • anna_1977
    • By anna_1977 14th Sep 17, 9:45 AM
    • 597 Posts
    • 837 Thanks
    anna_1977
    So, what's been going on ?
    I've had confirmation from payplan that all my payments are accepted and that I should only receive statements as usual from creditors telling the amount owing . It's only for record purposes , and I should not act ..just keep the paperwork .
    One other thing to note , is that it will be another 6 years before my credit history is clear . I have received 2 letters from creditors ..
    PRA group acknowledged my full and final . Wescot acknowledged my partial settlement . At the end of the day , it's all the same thing.

    I've asked James to get a cabinet for the living room and assemble it.
    This will get rid of the clutter / eyesore in the tv area. I've asked him to do one or two other jobs also. He still has to get shelf for the boiler room .
    Speaking of that room , I've managed to make it clear and functional at last this afternoon . Trouble is, I've taken everything into the bedroom temporarily and it's a bit of a mess.

    I have to put posters in frames and expect to have them on the kitchen and bedroom walls in the next couple of days .

    I have a friend staying over either this sat , or next .

    All dental work is now complete. However, as I'm paying a monthly fee I'm back in on the 28th for a checkup of some sort. I was told that as I'm paying monthly i may as well take it .

    Other than that , I've not been dong much

    Regarding the computer : I've waited for Tim crooks announcement . It's more or less all about the iPhone . I'm gonna get a new Mac when 'high sierra' is the main operating system . That's probably gonna be October . Then I will have a computer that's not tortoise like .

    Hope all is well with you all
    Originally posted by another casualty
    Sounds like all is well - I'm pleased for you AC.

    Yes, I think the iMac will be October's announcement - let me know when you're purchasing
    • another casualty
    • By another casualty 14th Sep 17, 11:50 AM
    • 3,035 Posts
    • 4,868 Thanks
    another casualty
    Thanks Anna
    Yes, can't really complain right now I'm enjoying this year , and apprehensive obviously about the next . Just back from the gym .
    Love the look of the boiler room now. Having said that, my bedroom is a tip at the momnent . Will get cracking on that later . So far so good ..
    This time last year, I was still on edge with just about everything .
    • another casualty
    • By another casualty 21st Sep 17, 1:48 PM
    • 3,035 Posts
    • 4,868 Thanks
    another casualty
    Friend came down last sat ( couldn't stay over as has lots going on ) .
    He likes the flat. Myself , him and my other friend ( we all know each other) had a good day at the pub up the road . A nice day .

    A few home truths to mention :
    On Tuesday I had an appointment to see the specialist in st. Thomas hospital regarding my myasthenia gravis . Waited over 3 hours to see him for basically a 7 or 8 minute checkup . Soul destroying is being polite . The Dr. Had so much work in front of him , and was mostly looking at the screen . He was obviously apologetic . He has done so many good things with me, and only made 1 mistake last year.
    Anyway, we both acknowledged that I am massively overweight .
    He did understand why I just stopped . To make things more brief
    The sooner I lose the weight, the sooner I can come off the prednisolone and blood tablets.
    Now it's down to me to put everything right .
    When living alone it's easy to be non plus/ carefree / careless about what I'm eating / how much / not bothered etc.
    I've always eaten way too much chocolate . Not sweets , just chocolate. However, yesterday I've started to reduce and change that
    and will stick to a new way to handle this . I've decided to ditch the snickers / green and blacks / kit Kats etc . In their place I've just got some after 8's! The idea is to have only a couple a day ...nothing else chocolate wise! I'll see how that goes .
    Lucozade has been ditched for ever! Haven't touched any for 3 weeks
    Never again ! Regarding orange juice : I should only have a glass in the morning . Not last thing at night ! The sugar craving is being reduced as I speak .
    Oh, I've had a few crisp binges in the last month also.
    No more !
    As you can see, I'm very angry
    I've also been too lazy and have started going on walks around the area. The idea is to go to the gym obviously. However, instead of leaving it there , I need to get out more and the weight will come off eventually.
    Oh, the cider ... Obviously I will still go out and have one or 2 with my friend etc. I will now be going on half pints to start off with.
    I'm not really a pint drinker . Only when a place is busy and it's a hot day etc.
    If I do this much , then I should get some positive results by Christmas .
    So that's the home truths out of the way

    Which leads to a pleasant surprise and a dilemma regarding putting some spare cash away:
    I have an extra £7-10 k that I would like to take from my accounts at nationwide and use them as a buffer /emergency etc.
    The thing is , I need to avoid : Santander / Barclays / rbs/
    Also someone that doesn't frown when they realise I'm not working and am technically on a dmp( if for example I was in one of those banks I've listed, they could still help themselves to the cash invested if the bank is related to those ).
    Any advice is always welcome

    Regarding my unemployment and fitness, it's obvious that I won't succeed in anything unless I start getting results asap and by Easter .
    Fat boy fat will not be employable in his current state. The party's over.
    • enthusiasticsaver
    • By enthusiasticsaver 21st Sep 17, 2:14 PM
    • 4,661 Posts
    • 8,820 Thanks
    enthusiasticsaver
    I thought you had cleared your DMP now AC? Is it because they accepted full and finals which were short of actual amount? What about TSB or Tesco?

    Re the weight thing - I am sure that your poor diet was not a surprise. After all many of us have been saying that for a while. Lucozade, chocolate, pastries, fish and chips are all high fat, high cholesterol which is not good for you. Do you like any fruit, veg or salad? Smaller portions are definitely the way to go and as much exercise as you can.

    I find porridge in the morning fills me up done in the microwave with a handful of blueberries. Lunch is sandwich and a piece of fruit and a balanced meal in the evening. I have also stopped drinking wine. Cider is actually worse than beer for putting on weight. Crisps are also high in fat and high in salt so no goodness in them at all. Sounds pretty boring doesn't it but I console myself that a stroke or heart attack is not worth the cake or chocolate I would love to indulge in all the time but can't. I don't buy unhealthy stuff but have the odd treat if we go out.
    4 weeks to go until early retirement in December . Debt free and mortgage free.

    I'm a Board Guide on the Debt-Free Wannabe, Mortgages, Banking and Budgeting boards. I volunteer to help get your forum questions answered and keep the forum running smoothly. Any views are mine and not the official line of moneysavingexpert.com. Pease remember, board guides don't read every post. If you spot an illegal or inappropriate post then please report it to forumteam@moneysavingexpert.com
    • lessonlearned
    • By lessonlearned 21st Sep 17, 2:44 PM
    • 10,139 Posts
    • 57,069 Thanks
    lessonlearned
    Hi AC. Good to hear from you.

    Do you have catch up TV. There is currently a series of 3 programmes called How to Stay Young, Wednesday 9pm BBC 1.......not as daft as it sounds it's about health and fitness, diet, exercise etc. There is lots of useful advice on there. The second programme was last night, one more to go. But if you have catch up I recommend it. Some very positive histories on there.

    You might think you're in a sorry state but trust me it's fixable. You are young enough to reverse the damage. Don't go at it bull at a gate. remember the fable of the tortoise and the hare. Don't go looking for a quick fix, what you need is a sustainable long term change in the way you live.

    So no crash diets, no denying yourself everything you like. The odd cider or piece of chocolate isn't going to kill you, but a long term unhealthy diet laden with sugar, salt and chemicals will.

    So it's time to learn a few basic cooking skills, a nice piece of meat or fish with Salad or vegetables, fruit for dessert, a piece of dark chocolate for a treat. Croissants and pastries should just a once a week treat until you've lost some weight.

    Ditch the starchy carbs and stodge, Protein is your friend. It will keep you feeling fuller for longer, it will help build up muscle mass which in turn will help you burn off fat. Cutting carbs will help with the sugar cravings.

    And keep up the resistance training as well as some cardio. Working with weights will help build muscle.

    Enthusiasticsaver has it right. Don't buy in treats, save them for when you eat out. It's easier to resist temptation if the cupboards and fridge only have healthy stuff.
    Last edited by lessonlearned; 21-09-2017 at 2:50 PM.
    • another casualty
    • By another casualty 21st Sep 17, 3:10 PM
    • 3,035 Posts
    • 4,868 Thanks
    another casualty
    Hello LL and enthusiadtic
    I sound a tad dramatic . Tbh, I think that I have done the right thing resting as long as I have. Part of my situation now is because I got pulled a little too much into a comfort zone . I think that looking into a few mirrors while out and about has shocked me even more than even I expected. You are both right of course in what you have just mentioned . True also that I should take my time in the changes.
    If I wasn't allergic to nigh on everything sensible I wouldn't be in this mess. Still, I've done it before so I can do it again

    Regarding the bank situation : its because I paid short of the full amounts that I technically still owe money on the d m p .
    Another thing people might not be aware of , is if you get money from ppi then that would go straight to the creditors .

    I'll have to look st Tesco and see if they're attached in any way to the creditors I mentioned above . Another example is iPhone renewal scheme . If you pay x amount a month, you automatically get a new iPhone every year. The latest one . Looking at the small print , you will see it is Barclays that are giving the loan and you are also credit checked . As I was on a d m p with them , then that iPhone plan has to be avoided .
    Lloyds are part of rbs ( I could be wrong ). If so, I can't open an account with them .

    At least I'm still conscious on doing the right thing I suppose
    • Gigervamp
    • By Gigervamp 21st Sep 17, 4:04 PM
    • 6,238 Posts
    • 19,865 Thanks
    Gigervamp
    I once had a friend who was diabetic. She told me that she didn't ban any "bad" foods, like cake or chocolates, because it would mean she would end up craving them. Instead, she allowed herself to eat those things occasionally, and in moderation, and just alter the dose of insulin.

    I think it was a good philosophy to live by. If something is banned, we want it even more. But if we know we CAN have it occasionally, then we can take it or leave it, and when we do have it, we appreciate it more. We take our time to savour it.

    So, don't "ban" Lucosade, but you can allow yourself to have it very occasionally. Plain or sparkling water with ice and a slice of lemon or lime is refreshing. And like LL said, have a lovely coffee and pastry at the weekend. You could turn it into a nice tradition, having coffee and cake on a Sunday morning, in a nice coffee shop, people watching and sitting quietly.

    The After Eights idea sounds good, as long as you DO only have 2 or 3 each evening. My husband always puts a whole one in his mouth and will polish off half the box in the time it's taken me to eat 4 or 5, because I nibble! 1 After Eight I eat in 4 goes, one corner at a time, they last a lot longer that way!

    I wouldn't cut carbs out completely as they are our main source of fibre, more so than fruit and veg surprisingly, but certainly don't load your plate up with them!

    Lloyds is indeed part of RBS. I would think there might be information on here somewhere about which banks are connected.

    Time to pull your finger out now, you can't keep pushing forward the deadline for when you'll start looking for work, and the sooner you start losing weight etc, the better for your health and mental wellbeing.
    Last edited by Gigervamp; 21-09-2017 at 4:14 PM.
    • another casualty
    • By another casualty 21st Sep 17, 4:37 PM
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    • 4,868 Thanks
    another casualty
    Good analogies there gigervamp . Thanks

    I think enthusiastic might be right about Tesco and tsb .
    I'm also looking at building societies . I'm looking at the co op and the bank of Ireland U.K. .

    Time to be more responsible I guess

    You're right gigervamp
    • HMRC100
    • By HMRC100 21st Sep 17, 4:59 PM
    • 20 Posts
    • 10 Thanks
    HMRC100
    Lloyds has nothing to do with RBS. Both are independently quoted on the FTSE. Lloyds and HBOS (ex Halifax) are connected.
    • another casualty
    • By another casualty 21st Sep 17, 5:32 PM
    • 3,035 Posts
    • 4,868 Thanks
    another casualty
    Lloyds has nothing to do with RBS. Both are independently quoted on the FTSE. Lloyds and HBOS (ex Halifax) are connected.
    Originally posted by HMRC100
    Thanks for that . This may be easier than I thought
    • MrsPorridge
    • By MrsPorridge 21st Sep 17, 9:20 PM
    • 1,622 Posts
    • 2,483 Thanks
    MrsPorridge
    I second LL's recommendation about the BBC's How to Stay Young - I caught the last 5 mins last night by accident and when I got home from work today I watched it on catch up - to be honest it did put the fear of God into me and made me look at some exercises to try and build muscle.
    Getting back on Track
    • Gigervamp
    • By Gigervamp 21st Sep 17, 10:34 PM
    • 6,238 Posts
    • 19,865 Thanks
    Gigervamp
    Lloyds has nothing to do with RBS. Both are independently quoted on the FTSE. Lloyds and HBOS (ex Halifax) are connected.
    Originally posted by HMRC100
    You're right, thanks for the correction! It's NatWest who are with RBS.
    • irishjohn
    • By irishjohn 22nd Sep 17, 7:21 AM
    • 1,249 Posts
    • 1,953 Thanks
    irishjohn
    My weight loss journey
    Hi AC.
    Over the years I went from tall slim bloke to very overweight - lived in a hotel for 10 months with one job change and then gave up smoking - weight crept on and on and the clothes got bigger. Sometimes I would have a go at a diet and was quite good at getting a stone off but then getting stuck and going back to my old ways.

    Last summer I was 18.5st and miserable so i started on Dr Clark's High Protein Diet and in a month lost a stone - using the diet and daily brisk coastal walking. But then I developed plantar fasciitis and that hit the walking on the head for 9 months. In Mid June with good feet again I took two big decisions - I joined Slimming World at 17st 7lbs and got myself on a gym programme. At this week's weigh in I was 15st 4lb and got my 2st award which to me is really a 3st award. It is helping me really look at eating healthily and having treats as part of that healthy eating programme. The group is very sociable and supportive and I am so glad I did it. Maybe worth a try? Another guy joined the same day as myself and he was over 19.5st and he is losing it as quickly as me.

    Heres the link for the diet book in case you want it - it was originally written for people with heart trouble.

    https://www.amazon.co.uk/New-High-Protein-Diet-permanently/dp/0091917336/ref=sr_1_1?ie=UTF8&qid=1506060997&sr=8-1&keywords=clark+high+protein+diet
    John
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