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  • FIRST POST
    • Narola1976
    • By Narola1976 5th Aug 17, 10:07 PM
    • 97Posts
    • 259Thanks
    Narola1976
    Life's a climb. But the view is great.
    • #1
    • 5th Aug 17, 10:07 PM
    Life's a climb. But the view is great. 5th Aug 17 at 10:07 PM
    Hey there. So new name and new diary. I was just too ashamed to use my old username because it's just so painful to know that despite reading all the wonderful advice and stories of other people's inspirational journeys I managed to continue to get deeper and deeper into debt. I needed a fresh start. And I hope this is it.

    So I was struggling to think of a title, last time it was quite negative and so this time I thought for goodness sake come up with something positive. Even that was hard, so I settled for something I hope I will be saying at some point in the future. I'll let you know if its true when I reach my debt free date some 35 months from now...It's going to be a tough few years; it needn't have been but there it is.

    Right enough of my Eeyore mentality from this point on I am going to stop beating myself up; what's done is done - now it's about moving forward.

    So what have I done so far:

    * I have YNAB and I have reset the budget. Not enough money to fund every category and pay debt but I have done what I can. The main thing is all the bills and debts will be paid.
    * Did a Snowball with all the debts listed in my signature (except for Car finance as this is new and on 5 year HP) and it tells me I should be DF in 35 months. Obviously will still have 2 years of car finance left but with no other debt can throw the money at it for the last couple of years)
    * Now its a case of just updating the above as the money leaves the bank account.

    Happily still waiting for £166 for my work expenses which will come week after next. This will be great help as we go on holiday next Saturday and while the holiday is fully paid as we are renting a cottage in the UK - we book a year in advance and pay it off over the year - there is little in the way of spending. Though we won't spend masses on food as will cook in the cottage and use grocery allowance towards this.

    Then just realised today I had forgotten to add the toll charges to my expenses claim so that will be another £11 but will only see that next month I think. Also child benefit due at some point so some of those categories can have a small top up.

    Also got a £10 Tesco voucher from Valued Opinions survey. This was helpful for odd bits we needed. I don't do many surveys as I work in excess of 40 hours and so there is no time. Better to just stick with one company and do them as and when I can.

    Had to send my mum some money abroad as she is very poor and really struggling and had to use some of my savings- sent £200. £6.70 transfer fee though but at least she got the money the following day. I won't be able to send this much again but hate letting her down. Before I use to buy groceries online using the CC and did not worry about how much I was spending and so set the "tone" but this time, decided that I could not keep doing this, hence me using some money from one of my small savings pots. She would understand but I feel so guilty!

    Trying to be frugal with food spend - scratched Waitrose and M&S off the list of approved shops and will be reverting back to Aldi, Tesco and Lidl. Freezers have a reasonable amount of food, and really plan to use this up first. I do have a lot of sandwich ham in the freezer which OH put in there when it was about to expire - he hates waste...*scratching head* how can I use this?? Must google!

    Tomorrow will have a small unexpected spend...DD needs medication - I am not allowed to say why LOL, but think childhood issues!

    I really need to clean the house. Its a right mess but have been procrastinating - it really is the thief of time. OH has been good (he recently lost his job) and does washing, dishes and hoovering but not much else, not that I am complaining. I am grateful; also he is a better cook than me and makes sure DD is fed. Must get DD roped in to do some chores. Well we have to do it as we have the pet sitter coming in to feed the cat when we are away (I have saved for the fees over the last year so we have it ready which is a relief); great incentive as I would just be mortified if he came into a messy house.

    Healthwise - recently diagnosed with T2 diabetes so need to also keep on the LCHF diet which is a challenge in itself as this helps keep the sugar levels down. My eyesight is finally working well again which is a real relief, pretty scary time for a while.

    So that's me in a nutshell; lots to do but it will be a waiting game most of the time; payday to pay day to measure progress. I just need to stick to the budget!

    **************************************************

    So I need a place to keep track of what is happening with my various balance transfers as I have realised they too are in a mess. Having multiple transfers is really messing with my ability to work out a snowball plan because of the way payments are allocated by MBNA. So:

    HSBC @ 28.9% - £7116 £6524.68
    -------------------------------
    MBNA 1.1 – 0% until 21.09.2018 = £8619.80 (this amount is being paid off now as it was the first BT made onto this card)

    MBNA 1.2 – 0% until 20.02.2018 = £217.40 (this will kick in after the one below!)

    MBNA 1.3 – 0% until 20.12.2017 = £1435.47 (come December this one is going to hit me hard)
    -----------------------------

    MBNA 2.1 – 0% until 11.02.2020 = £6834.82 £6763.48 (this amount is being paid off now as it was the first BT made onto this card)

    MBNA 2.2 – 0% until 10.02.2018 = £299.46 (this will kick in come February)
    ---------------------------
    Barclay Card 1.1 – 0% until 01.10.2017 - £688.32 £60.69
    Barclay Card 1.2 - 0 % until 22.09.2018 - £4079.76
    Barclay Card 1.3 – 0% until 01.01.2018 - £304.69
    Barclay Card 1.4 – 0% until 01.12.2017 – £31.57
    Barclay Card 1.5 – 0% until 01.11.2018 - £2297.08
    Barclay Card 1.6 – 0% until 01.11.2017 - £144.26
    Barclay Card 1.7 – 0% until 01.01.2018 - £349.06
    Barclay Card 1.8 - 0% until 01.12.2018 - £579.21

    The best I can hope for is that I will be in a better position to get other BT cards come February but I won't hold my breath!
    Last edited by Narola1976; 13-09-2017 at 8:36 AM. Reason: Updated CC information
    HSBC CC £7150.15 - £6524.68 ~~~ Barclay Card £7894.74 £7846.32 ~~~ MBNA 1 £10382.67 - £10272.67 ~~~ MBNA 2 £7214.28 - £7062.94 ~~~Argos £202.05 - £100.05 ~~~ HSBC Loan £399.27 - £0 ~~~ Hitachi Loan £24.12 - £0 ~~~ Car Loan £14745.60 - £14008.32
    TOTAL £48012.88 - £45814.98 (Paid £2197.90 so far)
Page 4
    • glass_half_full
    • By glass_half_full 6th Sep 17, 7:37 PM
    • 149 Posts
    • 380 Thanks
    glass_half_full
    So pleased for you, great news, isn't it great when you get an unexpected bonus like that!

    Regarding your earlier comment about feeling out of sorts. You have achieved a lot in a short time, it's normal to have a pause and take a breath.

    Hope you feel better soon.
    Total unsecured debt - £8,417 (September 2017) - Debt free Target March 2018


    No alarms and no surprises
    • Narola1976
    • By Narola1976 7th Sep 17, 7:33 AM
    • 97 Posts
    • 259 Thanks
    Narola1976
    Morning Diary World

    So following the payment from HSBC, I immediately paid £450 onto the BC. As you can see from my OP,
    the balance for the offer ending in October is well on its way to being paid and I just may make it to not paying any interest, or may end up with one day's interest. Though seeing as it is only £60 or so,
    I may use my EF and just pay it back a few days later to be sure I don't incur any interest. The payment is due on 01.10.2017 but I don't think the DD will go out on the same day. Will have to see closer to the time.

    What surprises me though is that BC is still offering me 0% BT...OK I actually can't take them up on it right now because I can only transfer a ridiculous amount of £200 but it does bode well. My hope is that as I will be paying off quite big chunks over the next 2 to 3 months on the BC this will create more space to transfer some of that horrible balance from HSBC, assuming they still offer me 0% BT. I plan to reduce my credit limit on the HSBC account as it goes down.

    Facebook sales have been positive, made £30 yesterday which is great. Survey's are somewhat slow, but still checking a few times per day. Also keeping an eye out for a suitable mystery job...there was one which was going to pay £20! but you had to do it in the week which is just impossible for me.
    So I will keep looking.

    Well need to get on with the morning, packed lunch to make etc. Bye
    HSBC CC £7150.15 - £6524.68 ~~~ Barclay Card £7894.74 £7846.32 ~~~ MBNA 1 £10382.67 - £10272.67 ~~~ MBNA 2 £7214.28 - £7062.94 ~~~Argos £202.05 - £100.05 ~~~ HSBC Loan £399.27 - £0 ~~~ Hitachi Loan £24.12 - £0 ~~~ Car Loan £14745.60 - £14008.32
    TOTAL £48012.88 - £45814.98 (Paid £2197.90 so far)
    • Lancashirelass1
    • By Lancashirelass1 7th Sep 17, 12:42 PM
    • 92 Posts
    • 195 Thanks
    Lancashirelass1
    Good news!!

    HSBC has just deposited my repayment reward for the loan to the amount of £467.53. They really didn't drag their feet and I was only expecting £400.

    I am going to use this to pay BC. But only £450.
    I will save £16 for groceries.
    Originally posted by Narola1976
    Well done on this!!!!
    I am just waiting to hear from my bank and my rewards account/mis selling etc - keep checking if I have got any emails off them! Plus the PPI claims that i have put in have all replied now and so I am just waiting.
    Will keep you informed on my thread!

    have a great day
    Aim to be debt free by 43 realistic is by the time I have finished being 43!!!
    Snowballing starting in August 2017
    Debt total
    23'570.92
    • littlemissbudgetqueen
    • By littlemissbudgetqueen 7th Sep 17, 1:25 PM
    • 10 Posts
    • 16 Thanks
    littlemissbudgetqueen
    Hello


    Just want to say I have read through your diary and you are doing great! Well done on using the loan money to pay off BC - that was really good discipline!
    As at 07/09/17: Car Loan: £312/£14,000, Barclay CC: £5151.05, Halifax CC: £3.44
    Loan for Professional Studies: £5851.66/ £8660.00, Argos Card: £332.95/£372.95
    Mortgage: £66,577.00/House value £125,000.00
    LISA: £150.00 NS&I: £200.00
    • Reb2016
    • By Reb2016 7th Sep 17, 4:03 PM
    • 88 Posts
    • 101 Thanks
    Reb2016
    Great news on the HSBC payment, and on being so disciplined to use the bulk of it on another debt
    Reb
    Light bulb moment 6th June 2017 £13333.63 Debt now 12359.94
    DFD was October 2020 40 months now 31st May 2020 33 months Overdraft £450/£2250
    11/17 NSD September 9/4 in a row
    • scotdebs
    • By scotdebs 8th Sep 17, 3:24 PM
    • 554 Posts
    • 3,075 Thanks
    scotdebs
    Hi Narola - just found your diary you are doing amazingly well. Like you I was on here years ago, like you I stopped posting in my diary and yes the debt went up. I came back not only with the same name but also the same dairy to well and truly shame myself into staying on track LOL. Anyway will subscribe to cheer you on - well done
    CC debt Aug 2017 £48.6K
    Sept GC £128.11/£450
    • Narola1976
    • By Narola1976 9th Sep 17, 9:11 AM
    • 97 Posts
    • 259 Thanks
    Narola1976
    Hello


    Just want to say I have read through your diary and you are doing great! Well done on using the loan money to pay off BC - that was really good discipline!
    Originally posted by littlemissbudgetqueen
    Thanks LMBQ - although disciplined has never been a word associated with me in any context so I am chuffed...long may it continue!!

    Hi Narola - just found your diary you are doing amazingly well. Like you I was on here years ago, like you I stopped posting in my diary and yes the debt went up. I came back not only with the same name but also the same dairy to well and truly shame myself into staying on track LOL. Anyway will subscribe to cheer you on - well done
    Originally posted by scotdebs
    Thanks Scotdebs - appreciate you stopping by and subscribing. Well done for being brave and making yourself accountable keeping the same details. My courage failed me LOL. I will pop over to your diary to see how you are getting on too.

    Thanks Reb for stopping by, really very encouraging when people leave a little comment. Even though this time round I am determined to keep myself focused by posting o here whether or not people respond it i always nice to see someone has called round LOL

    So today is not going to be a NSD I'm afraid. DD has asked for some school supplies which we will get. She is in her GCSE year and I want her to have everything she needs. So some of our facebook sales money will be sent on her and I will need to rejig the budget a bit. She also will be buying a gift for her friend but this will come from her own allowance. She has about £22 to spend. Really proud of her... she has £200 in her savings. She is saving for her first car, Christmas, Summer, Rainy Day and Japan. Of her £15 p/w she gets, most of it goes to savings.

    I have done a few surveys but still slow going. Just £1.75 shy of my £10 Tesco voucher. Nearly at £20 with PA but the survey's have been few and far between. I am hoping they will pick up soon now that the summer is over.

    I have been thinking about the tax implications of these surveys and mystery shops as of course I would not wish to fall foul of the law. Does anyone know how much you are allowed to earn on these or is linked to your currently salary and the tax threshold you are on? How might I go about finding out?


    Plans for Today:

    * Clean the lounge
    * Get DD school supplies
    * Bake a loaf of bread - will need to google this one!
    * Collect a Christmas tree from freecycle.
    HSBC CC £7150.15 - £6524.68 ~~~ Barclay Card £7894.74 £7846.32 ~~~ MBNA 1 £10382.67 - £10272.67 ~~~ MBNA 2 £7214.28 - £7062.94 ~~~Argos £202.05 - £100.05 ~~~ HSBC Loan £399.27 - £0 ~~~ Hitachi Loan £24.12 - £0 ~~~ Car Loan £14745.60 - £14008.32
    TOTAL £48012.88 - £45814.98 (Paid £2197.90 so far)
    • Mummy_bear
    • By Mummy_bear 9th Sep 17, 2:50 PM
    • 202 Posts
    • 796 Thanks
    Mummy_bear
    Hi,

    Just found your diary and enjoyed reading it. You're doing so well and I look forward to watching your debt go down.

    Subscribed x
    My LBM May 2017, DH LBM July 2017- Total Debt (not Including Mortgage) £37139.86
    £4434.13/£37139.86 11.93% paid
    Estimated DFD JUNE 2020 (calculated July 2017)
    Debt Free by Christmas Challenge
    Total cleared £2823.49/£9091.72 31% paid
    • Narola1976
    • By Narola1976 12th Sep 17, 8:20 AM
    • 97 Posts
    • 259 Thanks
    Narola1976
    Thanks Mummy Bear for stopping by...will return the favour.

    So a small update...

    Spent a lot at WH Smith on school supplies...£95 to be exact. That took a lot of movement of money in the budget but at least I did not use the credit card as I would have done even a month ago. It was painful to use cash which is of course the point. Paying by credit is pain free, well at least until the bill comes through.

    Spent £40 at Lidl on a top up shop but also for DD's packed lunch supplies. I have separate budgets for groceries and school dinner so only deduct what I spend for packed lunch stuff from the school dinner fund. I am supposed to get £10 cash back from Visa...apparently Visa has this scheme where they have cash back rewards for certain spending at certain places. So if it works, I will in fact have paid £30 for my £40 shop. Will keep you posted if I get my cashback.

    Received my expenses money today, only £63 but at least I could replace some of the money I moved around to pay for the school supplies. Also sold a handbag storage for £6. Still have 2 more to sell but its taking a while. Just need £1.50 to get my £10 Tesco voucher from VO. This will help with the grocery shop. I am pleased as so far I have only spent £145 on groceries. Considering my usual month spend is £400 to £500 I am pleased. OK the month isn't over yet, but I think that I have made good progress so far.

    So I decided to take BC up on their BT transfer offer...0% until 1 December 2018, 2.9% fee. So I transferred £560 from my HSBC balance which is all I could transfer. I know it is not much but my thinking was that come end of September, who is to say they would still offer me 0%? Better to take advantage of the offer now. Also, better to get rid of £500 off the HSBC card which is currently at a horrendous rate of 29.9%.

    Things are going to get harder before they get better as some chickens are coming home to roost and by that I mean 0% deals are ending. I have a final payment of £100.05 for Argos at the end of this month and then I will add that amount to the £400 loan amount and it means I can throw £500 extra to my debts in addition to the minimum payments. Hopefully that will make decent dents into the balances. But once I start paying interest on the MBNA cards I will throw the money at HSBC because their interest is higher than MBNA's. I can't wait to close the HSBC account, which I should have done from the start.

    Well have to get off to work now. Have a good day everyone, will catch up with your diaries soon.
    HSBC CC £7150.15 - £6524.68 ~~~ Barclay Card £7894.74 £7846.32 ~~~ MBNA 1 £10382.67 - £10272.67 ~~~ MBNA 2 £7214.28 - £7062.94 ~~~Argos £202.05 - £100.05 ~~~ HSBC Loan £399.27 - £0 ~~~ Hitachi Loan £24.12 - £0 ~~~ Car Loan £14745.60 - £14008.32
    TOTAL £48012.88 - £45814.98 (Paid £2197.90 so far)
    • Reb2016
    • By Reb2016 12th Sep 17, 11:07 PM
    • 88 Posts
    • 101 Thanks
    Reb2016
    You've done really well with the groceries, you're on course for a huge reduction on your usual amount, and great that you didn't use the credit card for school supplies, all this little changes soon add up to a big difference.
    Reb
    Light bulb moment 6th June 2017 £13333.63 Debt now 12359.94
    DFD was October 2020 40 months now 31st May 2020 33 months Overdraft £450/£2250
    11/17 NSD September 9/4 in a row
    • Narola1976
    • By Narola1976 15th Sep 17, 8:54 AM
    • 97 Posts
    • 259 Thanks
    Narola1976
    Morning....just a quick post before starting the working day. I am so glad its Friday!

    Survey Roundup:

    *Prolific - surveys have been very slow for me, but finally managed to cash out £20. Waiting for it to hit my account. I have never used Circle before so hope its a smooth transaction.

    * Crowdology - no surveys for a while now.

    * Valued Opinions - Good run of surveys recently allowing me to cash out a £10 Tesco voucher - my third in a couple of months. This will be very helpful towards the grocery fund.

    Other news:

    * Received my £10 cashback from Visa for shopping at Lidl. Its a pity its a 1 time deal. There is a Boots deal which I may be able to use depending on when the deal expires.

    * Realised I wasn't going to be able to get away with not buying cat food this month so had to bite the bullet. I shop from Zooplus so decided to also get the litter she uses to avoid having to shop again and make up the minim spend for free delivery. So that came to £32, but that will last for at 3 months so not too bad. I also went via Top Cash Back so at least I will get 81p cashback!

    * We have been having spotty WiFi over the last few months which has been annoying. I know we have a lot of devices accessing the WiFi but I pay for superfast broadband (get a small contribution fro work) because of working from home. But I was so annoyed that I rang up Virgin Media and asked when my contract ends as I want to look at a new provider...speed is all good and well but only when you actually can access the WiFi. Well the lady obviously did not want to lose my custom as I have been with them for 13 years! So she has arranged a new modem for me as mine is a few years old and also reduced my bill by £6. Not a massive amount but fine. Granted this starts another 12 month contract but as I really like Virgin and wouldn't be changing my TV I was happy to accept this deal. A saving is a saving.

    We do not go out for meals, we don't smoke or drink, or even go out much nor do we buy takeaways so TV is our one major luxury. That is the extent of our entertainment, and of course the internet! So I don't feel too guilty about this expense. My bill (TV, Broadband and Phone is £77.50 per month, but for that I have the XL TV package and 2 TIVO boxes, 200MB broadband). I like that Virgin is responsive when there is a problem and no call out fees if there is a fault.


    So plans for the weekend:

    * Table tennis - we are going to a pay as you go session for the first time - we love TT but had to sell our board. I like that we can go when we can and pay as we go. This is also by way of being a family activity.

    * Eye test on Saturday - I suspect will need new glasses but going for a cheap frame. I haven't been very good diet wise and my eye sight is reflecting my poor attention to my diabetes. My DD told me off the other night for not taking better care of myself and even became upset. I felt awful. Its so hard though, even though there is a compelling reason, it still hard to stick to a diet. I did so well for 2 months and really made fantastic progress on my blood sugar levels that the Dr was amazed but I have been awful since. I think it is a personality flaw...whenever I do well and start to make progress in my life, whether that's weight related or finance related, I always seem to sabotage myself. I really must do better. I know I can do it...I have done it before, just need to get myself together.

    Now that nights are drawing in, pick up my cross-stitch again. I do enjoy this, but mostly in the winter months so a projects takes me ages!

    * Top up shop for packed lunch stuff and other bits and bobs

    * Do some household chores of any kind...just do something, anything. I am lazy...there is no other way of putting it!

    Right off to work now...that was a much longer post than I intended, hope I did not bore you LOL
    HSBC CC £7150.15 - £6524.68 ~~~ Barclay Card £7894.74 £7846.32 ~~~ MBNA 1 £10382.67 - £10272.67 ~~~ MBNA 2 £7214.28 - £7062.94 ~~~Argos £202.05 - £100.05 ~~~ HSBC Loan £399.27 - £0 ~~~ Hitachi Loan £24.12 - £0 ~~~ Car Loan £14745.60 - £14008.32
    TOTAL £48012.88 - £45814.98 (Paid £2197.90 so far)
    • ChasingSunshine
    • By ChasingSunshine 15th Sep 17, 9:36 AM
    • 90 Posts
    • 721 Thanks
    ChasingSunshine
    Think you are right that all the small savings are still savings and they add up over time.

    Just a heads up about the eye test. If your sugar levels have been changing rapidly recently then it can take a few weeks for your eyes to settle down. I know when one of my friends was diagnosed he was told not to change his prescription for a while as the change in sugar levels on their own can cause blurred vision that gets better as the diabetes is controlled. Maybe mention it when you have your eye test as they may say to come back again for a repeat soon rather than new glasses.

    Know it is really hard to stick to the diabetes diet and lifestyle but you had great success before. A little controversial but maybe build in occasional small cheats so that 90% or more of your diet is good and you are less likely to sabotage yourself. Its like having a tiny amount of 'fun money' in the budget so can blow that and not the whole month. Are your family on board - keeping treats out of the house, getting out for a walk with you etc? It makes a massive difference and as you saw with the first two months Diabetes can be reversed but its very very hard.

    Sorry if any of this came out the wrong way or if it sounds like I am preaching (know I probably do) but have seen it both ways some people who are just living a healthy lifestyle and don't even really have the diabetes label anymore and a few who have had horrible complications I wouldn't wish on anyone
    • Reb2016
    • By Reb2016 15th Sep 17, 7:18 PM
    • 88 Posts
    • 101 Thanks
    Reb2016
    I'm with you on the TV Narola1976, I couldn't go without my TV package, and I think it's important to have some treats or it will be really difficult to stay on the debt free way of life.

    I also hear you on the food, I've been terrible lately and know that I must turn it around or it will affect my health, but you can do it, you just to get into the right mindset, and you've do it before so that proves you can do it again, just believe that.

    Reb
    Light bulb moment 6th June 2017 £13333.63 Debt now 12359.94
    DFD was October 2020 40 months now 31st May 2020 33 months Overdraft £450/£2250
    11/17 NSD September 9/4 in a row
    • Narola1976
    • By Narola1976 15th Sep 17, 7:25 PM
    • 97 Posts
    • 259 Thanks
    Narola1976
    Think you are right that all the small savings are still savings and they add up over time.

    Just a heads up about the eye test. If your sugar levels have been changing rapidly recently then it can take a few weeks for your eyes to settle down. I know when one of my friends was diagnosed he was told not to change his prescription for a while as the change in sugar levels on their own can cause blurred vision that gets better as the diabetes is controlled. Maybe mention it when you have your eye test as they may say to come back again for a repeat soon rather than new glasses.

    Thanks for your message. Yes, am fully aware of the usual need to wait until my prescription settled but I was struggling to work on the PC and I could not drive which was impacting on my work as the main earner. I was then spending loads on my DD's bus fare to get her to school in the next town so in the end my optician who I have been with for 10 years and I agreed I would have fortnightly tests to start (free) and buy a £20 pair of glasses whenever I needed to..it was cheaper than paying bus fare at £30 per week for DD and forking out for taxis for work. So I am on my 3rd pair of glasses since May. Considering I paid £260 for my last pair before diagnosis I think I haven't done too badly. I love my £20 frame! And intend to keep it going forward provided they can cope with my prescription

    Know it is really hard to stick to the diabetes diet and lifestyle but you had great success before. A little controversial but maybe build in occasional small cheats so that 90% or more of your diet is good and you are less likely to sabotage yourself. Its like having a tiny amount of 'fun money' in the budget so can blow that and not the whole month. Are your family on board - keeping treats out of the house, getting out for a walk with you etc? It makes a massive difference and as you saw with the first two months Diabetes can be reversed but its very very hard.

    My family are very supportive - I am my own worst enemy. I was doing fine until we went on holiday, just giving in once caused an avalanche. Some people of which I think I am one - can't cheat even a little because I can't pull myself back. The other thing of course is that if you want to be MSE things like pasta and bread are great for the budget, but not good for your health. No, I have to be fully strict and remember I need to be like a vegan/vegetarian - they don't decide "oh well today I feel like eating chicken"... or I fell off the wagon and had a steak" because it is a lifestyle for them. I need to get to that point where its a lifestyle for me - a true way of eating that has nothing to do with diets per se.

    Sorry if any of this came out the wrong way or if it sounds like I am preaching (know I probably do) but have seen it both ways some people who are just living a healthy lifestyle and don't even really have the diabetes label anymore and a few who have had horrible complications I wouldn't wish on anyone
    Originally posted by ChasingSunshine
    Absolutely not, Chasing Sunshine. I really value you taking the time to respond to me. Thank you. I need some stern talking to as yes, the consequences for diabetes being out of control is HORRENDOUS.

    Moving on to a more pleasant subject, I was really happy to see in the school newletter I had won £25 in DD's PTA raffle. So looking forward to that check in the post soon.

    My £20 has paid out from Prolific - no problems using Circle for the payment and it is on its way to my bank account.

    Also selling two CD racks and so shall make £12 tomorrow.

    Nothing more to say, so I shall end off here and spend some time cheering you on in your diaries!
    HSBC CC £7150.15 - £6524.68 ~~~ Barclay Card £7894.74 £7846.32 ~~~ MBNA 1 £10382.67 - £10272.67 ~~~ MBNA 2 £7214.28 - £7062.94 ~~~Argos £202.05 - £100.05 ~~~ HSBC Loan £399.27 - £0 ~~~ Hitachi Loan £24.12 - £0 ~~~ Car Loan £14745.60 - £14008.32
    TOTAL £48012.88 - £45814.98 (Paid £2197.90 so far)
    • ChasingSunshine
    • By ChasingSunshine 17th Sep 17, 12:44 PM
    • 90 Posts
    • 721 Thanks
    ChasingSunshine
    No worries, just said I would say it but you have it all well in hand which is good.

    Well done on the raffle win!
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