Odio's Odyssey

Odio_la_deuda

[QUOTE=_Decided_to_only_post_re:_the_smoking_when_I_am_past_DAY_3_so_watch_this_space_:cool:[/QUOTE]

This is actually my 4th day since quitting and it really has been a breeze. I am not being naive as I know that cravings can pop up at anytime but I really wish I had just done this sooner.

I have already saved £24 as I would normally buy 40 on a Saturday. I am waking up fresh and energetic. There are many more benefits to follow in the coming weeks and I can't wait.

I would never undermine the struggle that some people go through when they attempt to give up nicotine but it really is down to your mentality in the end. I try to see craves as reminders of this wonderful thing I have done for my health and finances. To help me futher I have printed out the benefits of not smoking onto a sheet of paper and I carry it around in my wallet. I have promised myself that I will always read it first if I ever feel like buying cigs.

I am still teetotal after almost 8 weeks and have gotten into my fitness regime(4 times a week - Strength 85% Cardio 15%)

Just two months ago I drank to excess, smoked, gambled, ate crap and got no exercise. That was my life and they were my vices...... Now I don't drink, smoke or gamble, I eat a nutritious diet and exercise every other day.

In September I will clear that dang Halifax card and then decimate the HBoS Overdraft(fighting talk!)

By the way I don't plan on being a complete square for the rest of my twenties. When I am debt free and more disciplined I do intend to drink booze but only when the occasion calls for it and to a reasonably sensible limit.

geranium72

Doing great - you are an inspiration!

Odio_la_deuda

Hi

Just a quick update as its been a while since I last posted and I am glad to say I am still on top of things.

Last consumed alcohol 9th June 2009 = 97 days ago.
Last smoked 30th July 2009 = 46 days ago saving £260.

Gym routine going well down to 14 stone with 4 of my '6' abs showing!!

Come October 1st my debt will be down to £11,529.55 meaning I have paid 13.10% of my June 2009 debt figure.

Onwards and upwards

BEAT_THE_DEBT

well done you its hard enough to beat one thing let alone three and go to the gym! I bow down to you!x:rotfl:

elantan

thats deff going well for you ...at this rate you might just beat your debt free date of earlier...well done

Odio_la_deuda

Just got a 4.5% payrise with a further 7.5% to come in April 2010 :T:T:T

So just to motivate myself further I have decided to do two SOA's. The first being my situation moving into October and the second being where I expect to be come April 2010

October 1st 2009


Statement of Affairs and Personal Balance Sheet
Monthly Income Details
Monthly income after tax................ 1585
Other income............................ 0
Total monthly income.................... 1585

Monthly Expense Details
Rent.................................... 300
Telephone (land line)................... 11.25
Mobile phone............................ Provided
TV Licence.............................. 12.05
Satellite/Cable TV...................... 21.5 Inc. Internet
Groceries etc. ......................... 90
Clothing................................ 20
Petrol/diesel........................... Provided
Presents (birthday, christmas etc)...... 15
Haircuts................................ 10
Entertainment........................... 40
Lottery................................. 16 Live in hope
Gym Membership.......................... 68 Essential to me
Total monthly expenses.................. 603.8

Assets
No Assets at the moment.

Unsecured Debts
Description....................Debt......Monthly...APR
Barclaycard....................4017.02...60........12.5
Halifax........................660.55....20........13.3
HBoS Overdraft.................1284.96...0.........17.94
HBoS Loan......................4838.74...210.3.....0
Dell...........................728.28....21.42.....0
Total unsecured debts..........11529.55..311.72....-


Monthly Budget Summary
Total monthly income.................... 1,585
Expenses (including HP & secured debts). 603.8
Available for debt repayments........... 981.2
Monthly UNsecured debt repayments....... 311.72
Amount left after debt repayments....... 669.48
Personal Balance Sheet Summary
Total assets (things you own)........... 0
Total HP & Secured debt................. 0
Total Unsecured debt.................... -11,529.55
Net Assets.............................. -11,529.55


April 2010

Statement of Affairs and Personal Balance Sheet
Monthly Income Details
Monthly income after tax................ 1710
Other income............................ 0
Total monthly income.................... 1710

Monthly Expense Details
Rent.................................... 300
Telephone (land line)................... 11.25
Mobile phone............................ Provided
TV Licence.............................. 12.05
Satellite/Cable TV...................... 21.5 Internet Inc.
Groceries etc. ......................... 90
Clothing................................ 20
Petrol/diesel........................... Provided
Presents (birthday, christmas etc)...... 15
Haircuts................................ 10
Entertainment........................... 40
Lottery................................. 16
Gym Membership.......................... 68
Total monthly expenses.................. 603.8

Assets
No Assets at the moment.

Unsecured Debts
Description....................Debt......Monthly...APR
Barclaycard....................2707.47...35........12.5
HBoS Loan......................3576.46...210.3.....0
Dell...........................599.76....21.42.....0
Total unsecured debts..........6883.69...266.72....-

Monthly Budget Summary
Total monthly income.................... 1,710
Expenses (including HP & secured debts). 603.8
Available for debt repayments........... 1,106.2
Monthly UNsecured debt repayments....... 266.72
Amount left after debt repayments....... 839.48
Personal Balance Sheet Summary
Total assets (things you own)........... 0
Total HP & Secured debt................. 0
Total Unsecured debt.................... -6,883.69
Net Assets.............................. -6,883.69


I should also report that I had a few drinks last night to celebrate some good news for a close relative and also succumbed to cigarettes. I am not disheartened though.

Normally I would finish any left over booze the next morning and start smoking again but today I got up (suffered the headache) and binned the booze and have had no cravings for cigarettes whatsoever. I brushed my teeth with three different brands of paste and gargled mouthwash to rid myself of that disgusting taste. I am going to the gym in the next hour.

I can honestly say that I have turned a new leaf and can only see positives.

Also I have decided to abstain from alcohol until Christmas day. Easy :cool: