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Raphaels DF Diary - A Clean Page‏

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  • As you know I am always proud of you. Be it loosing the pounds off the debt or loosing the pounds off your weight. You have totally turned your life around and OMG I am so seeing the difference in the raphaelimol effect!!! The seriously amount of bubbly happiness now. So all I want to say is...CONGRATULATIONS for getting this far and eager to congratulate you further when you finally reach your targets.
  • beanielou
    beanielou Posts: 95,530 Ambassador
    Part of the Furniture 10,000 Posts Academoney Grad Mortgage-free Glee!
    Wow, nearly there hun.
    Looking forward to the party!
    I am a Forum Ambassador and I support the Forum Team on Mortgage Free Wannabe & Local Money Saving Scotland & Disability Money Matters. If you need any help on those boards, do let me know.Please note that Ambassadors are not moderators. Any post you spot in breach of the Forum Rules should be reported via the report button , or by emailing forumteam@moneysavingexpert.com. All views are my own & not the official line of Money Saving Expert.

    Lou~ Debt free Wanabe No 55 DF 03/14.**Credit card debt free 30/06/10~** MFW. Finally mortgage free O2/ 2021****
    "A large income is the best recipe for happiness I ever heard of" Jane Austen in Mansfield Park.

    ***Fall down seven times,stand up eight*** ~~Japanese proverb.
    ***Keep plodding*** Out of debt, out of danger. ***Be the difference.***
    One debt remaining. Home improvement loan.
  • x_raphael_xx
    x_raphael_xx Posts: 4,410 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Photogenic
    :j Congrats Raph, when do you think you will be df then? next month? I cant beleive it, you are one of the first I have seen/followed go from dispare to debt free ~ woo hoo :T
    The_Dragon wrote: »
    Brilliant news Raph! another couple of months and that will be all gone and then it will be salting that money away for the wedding and honeymoon!
    Next month!! A couple of months!! Thought you lot knew me better than that by now! As if I'd hang around that long!!
    I plan to pay £200 off on Friday when my wages go in, then the last £200 the Friday after!! :D Come on, keep up people!!
    whatatwit wrote: »
    Cowabunga dude!

    Great news raphael

    So, what shape is the mystery parcel?
    The mystery birthday parcel arrived today, it was book shaped and had 'PD Music LTD' stamped on the front. It was a beginners guide to learning an instrument, with CD and everything.
    It would have been perfect if Dad had remembered I wanted to learn the saxophone, and not the Cello!! :rotfl: Bless him, he tried so hard.
    Luckily the shop is just down the road from me so I popped in and the blokey said he would order in the saxophone one and swap them. He also said he does lessons for £13 a go (not sure how long a lesson is thou) right from a novice (I can't even read music so that's perfect) and he's 5 mins away :D

    wendz86 wrote: »
    Well done ! You will be a big inspiration to others showing you can turn it around
    It seems so easy now, but then I guess it's like losing weight, you know exactly what you should be doing, and what is bad for you, but actually doing is another matter.
    This time it just seemed to 'click' (my LBM) and everything fell into place..."Ah so if I spend money, I won't have any in my bank!"
    I might have had to sacrifice a few things for the moment, but I just told myself that the sooner I paid off my debts the quicker I could spend my money on myself, and not the banks.
    As you see it chipping away you want to do more and it builds momentum.

    Speaking of weight...
    my friend came round today, and she brought a few old photos with her, what a shock to see myself a couple of years ago!! Check out these!!


    IMG_6164.jpg
    <<<Before...After>>>Image002.jpg

    What a difference!!

    unknown3rd wrote: »
    As you know I am always proud of you. Be it loosing the pounds off the debt or loosing the pounds off your weight. You have totally turned your life around and OMG I am so seeing the difference in the raphaelimol effect!!! The seriously amount of bubbly happiness now. So all I want to say is...CONGRATULATIONS for getting this far and eager to congratulate you further when you finally reach your targets.

    If it wasn't for you I'd have been in a bigger hole right now, thank you so much for being there for the journey with me.
    Yes you loaned me money to help me, but the mental support was more what I needed back then. You didn't care how I had gotten into that mess, you didn't judge me for it, you just offered your shoulder to cry on and your unbias advice.
    Thanks for everything :)


    dman_raph.jpg
    Debt Free as of 17/01/2009 Turtle Power!!

    EF Challenger #3 £1543.72 / £5000
    MFW 2024 #100 £1300.00 / £10,000

    MFiT #40 Jan 2025 Target - £99,999.00
    Mortgage at 30/09/22 £113,694.11 | Mortgage at 24/01/23 £110,707.87
    Mortgage at 21/04/23 £107,701.01 | Mortgage at 20/07/23 £106,979.65
    Mortgage at 04/10/23 £106,253.77 | Mortgage at 10/01/24 £105,324.57
    Mortgage at 01/04/24 £104,424.73 | Mortgage at 01/10/24 £103,594.98
  • Raph, I knew you would do it faster just didnt want to jinx it or scare you saying in a couple of weeks :rotfl: Ps thats a pic of you at bristol suspension bridge is't it ;) Oh and btw I prefer the after pic :D Congrats to you :j
  • x_raphael_xx
    x_raphael_xx Posts: 4,410 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Photogenic
    Yep I'm at the suspension bridge :D and I prefer the 'after' too :)

    Had a really nice birthday on Sunday, me C and Shadow went for a 18 mile walk, so tired when I got in! Poor Shadow just collapsed on the sofa!
    Then my bro treated me to a meal out and drinks :) I had a tuna steak, which I always wanted to try, it was scrummy :)

    The walk kick-started me back into my exercise, Monday me & C went to body combat class at the gym which is always great fun. And yesterday I cycled the same track me and C walked on Sun (just missed off the last 2 miles cos it's stoney) then had a swim in the evening.

    Having a rest day today, just planning a little yoga tonight :) feels good to be getting back into it.

    It was weigh-in day on Monday, I gained 1.5 lbs, which isn't a bad gain for over the xmas holidays :)
    Debt Free as of 17/01/2009 Turtle Power!!

    EF Challenger #3 £1543.72 / £5000
    MFW 2024 #100 £1300.00 / £10,000

    MFiT #40 Jan 2025 Target - £99,999.00
    Mortgage at 30/09/22 £113,694.11 | Mortgage at 24/01/23 £110,707.87
    Mortgage at 21/04/23 £107,701.01 | Mortgage at 20/07/23 £106,979.65
    Mortgage at 04/10/23 £106,253.77 | Mortgage at 10/01/24 £105,324.57
    Mortgage at 01/04/24 £104,424.73 | Mortgage at 01/10/24 £103,594.98
  • x_raphael_xx
    x_raphael_xx Posts: 4,410 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Photogenic
    Me and C went into town today and booked the Registry office for our wedding. 14th of November!!! :D
    Now we just need to sort the reception, the ceilidh, the flowers, the rings, the cars, the dress...
    :eek:
    Debt Free as of 17/01/2009 Turtle Power!!

    EF Challenger #3 £1543.72 / £5000
    MFW 2024 #100 £1300.00 / £10,000

    MFiT #40 Jan 2025 Target - £99,999.00
    Mortgage at 30/09/22 £113,694.11 | Mortgage at 24/01/23 £110,707.87
    Mortgage at 21/04/23 £107,701.01 | Mortgage at 20/07/23 £106,979.65
    Mortgage at 04/10/23 £106,253.77 | Mortgage at 10/01/24 £105,324.57
    Mortgage at 01/04/24 £104,424.73 | Mortgage at 01/10/24 £103,594.98
  • beanielou
    beanielou Posts: 95,530 Ambassador
    Part of the Furniture 10,000 Posts Academoney Grad Mortgage-free Glee!
    Wedding plans~great!
    You could get some tips on wedding board :_)
    I am a Forum Ambassador and I support the Forum Team on Mortgage Free Wannabe & Local Money Saving Scotland & Disability Money Matters. If you need any help on those boards, do let me know.Please note that Ambassadors are not moderators. Any post you spot in breach of the Forum Rules should be reported via the report button , or by emailing forumteam@moneysavingexpert.com. All views are my own & not the official line of Money Saving Expert.

    Lou~ Debt free Wanabe No 55 DF 03/14.**Credit card debt free 30/06/10~** MFW. Finally mortgage free O2/ 2021****
    "A large income is the best recipe for happiness I ever heard of" Jane Austen in Mansfield Park.

    ***Fall down seven times,stand up eight*** ~~Japanese proverb.
    ***Keep plodding*** Out of debt, out of danger. ***Be the difference.***
    One debt remaining. Home improvement loan.
  • The_Dragon
    The_Dragon Posts: 9,749 Forumite
    Ooooh wedding plans - great news Raph!
    Do not meddle in the affairs of Dragons, for thou art crunchy and good with catsup :D
    NSD 15/20, OS WL 21-6 (4) :(C.R.A.P R.O.L.L.Z #44 Twisted Firestarter, VSP #57 - £39.43
    :p Every Penny's a Prisoner :p
  • x_raphael_xx
    x_raphael_xx Posts: 4,410 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Photogenic
    Hey all, I'm back from my very enjoyable weekend away, refreshed and ready to tackle the last of the debt and start saving & paying for this wedding :D

    I paid £200 off the credit card before we went away, so that now stands at just £200 left to pay off, which (all things going to plan) I can pay on Friday when my wages go in :)
    Next week I also need to pay the registrar to 'give notice' to get married, I will need to bring in all my ID and pay £30 for this, the actual ceremony won't need to be paid until a month before the wedding.
    The next plan is to source out a venue, there is a nice hotel near the registery office (walking distance so no taxi costs) so we are going to try there first and check out the menus etc and prices.

    In other news I have lost 3.1 lbs this week, which I am amazed about, especially considering all the full englishs, fish & chips and sussex cream teas I've been scoffing this weekend!

    Now I'm back I'm going to start planning a training program for the half marathon too. Can't wait to start pounding those pavements!

    dman_raph.jpg
    Debt Free as of 17/01/2009 Turtle Power!!

    EF Challenger #3 £1543.72 / £5000
    MFW 2024 #100 £1300.00 / £10,000

    MFiT #40 Jan 2025 Target - £99,999.00
    Mortgage at 30/09/22 £113,694.11 | Mortgage at 24/01/23 £110,707.87
    Mortgage at 21/04/23 £107,701.01 | Mortgage at 20/07/23 £106,979.65
    Mortgage at 04/10/23 £106,253.77 | Mortgage at 10/01/24 £105,324.57
    Mortgage at 01/04/24 £104,424.73 | Mortgage at 01/10/24 £103,594.98
  • beanielou
    beanielou Posts: 95,530 Ambassador
    Part of the Furniture 10,000 Posts Academoney Grad Mortgage-free Glee!
    Great news on your weight loss & your further debt loss too.
    I am a Forum Ambassador and I support the Forum Team on Mortgage Free Wannabe & Local Money Saving Scotland & Disability Money Matters. If you need any help on those boards, do let me know.Please note that Ambassadors are not moderators. Any post you spot in breach of the Forum Rules should be reported via the report button , or by emailing forumteam@moneysavingexpert.com. All views are my own & not the official line of Money Saving Expert.

    Lou~ Debt free Wanabe No 55 DF 03/14.**Credit card debt free 30/06/10~** MFW. Finally mortgage free O2/ 2021****
    "A large income is the best recipe for happiness I ever heard of" Jane Austen in Mansfield Park.

    ***Fall down seven times,stand up eight*** ~~Japanese proverb.
    ***Keep plodding*** Out of debt, out of danger. ***Be the difference.***
    One debt remaining. Home improvement loan.
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