📨 Have you signed up to the Forum's new Email Digest yet? Get a selection of trending threads sent straight to your inbox daily, weekly or monthly!

I need a kick up the ****! Storm's DFW Diary

Options
1151618202123

Comments

  • Storm
    Storm Posts: 1,749 Forumite
    Debt-free and Proud!
    My time available for MSE might be about to become severely hampered :(

    Since about May work has been soooo quiet I've spent loads of 'work' hours on here :o However, have just found out that a new very big project is shortly to land on my desk, which means I'm going to be a lot busier.

    Whilst obviously upset at the disturbance to my surfing time, I'm looking forward to the challenge of this project - much bigger than stuff I've done before and more responsibility etc. Oh well, looks like I might have to become an evening surfer...
    Total Debt 13th Sept 2006 (exc student loan): £6240.06 :eek:
    O/D 1 [strike]£1250 [/strike]O/D 2 [strike]£100[/strike] Next a/c [strike]£313.55[/strike]@ 26.49% Mum [strike]£130[/strike] HSBC [strike]£4446.51[/strike]@15.75%[STRIKE]M&S £580.15@ 4.9%[/STRIKE]
    Total Debt 30th April 2008: £0 100% paid off!

    PROUD TO [STRIKE]BE DEALING [/STRIKE] HAVE DEALT WITH MY DEBT ;)
  • Storm
    Storm Posts: 1,749 Forumite
    Debt-free and Proud!
    I've quit smoking today :eek: had my last cigarette just before midnight yesterday & despite a fairly easy start to the day (didn't want one first thing at all!) it's getting harder through the morning!

    I quit about 3 years ago for 6 months, then completely fell off the wagon - however, the one person who doesn't know I started again is my mother (yep, 30-odd and my mum still terrifies me!)

    This time I've done it at the same time as my flatmate, as we can declare the flat non-smoking, and if one of us falls off the wagon they've got to walk down 2 flights of stairs & stand on the street corner.
    Total Debt 13th Sept 2006 (exc student loan): £6240.06 :eek:
    O/D 1 [strike]£1250 [/strike]O/D 2 [strike]£100[/strike] Next a/c [strike]£313.55[/strike]@ 26.49% Mum [strike]£130[/strike] HSBC [strike]£4446.51[/strike]@15.75%[STRIKE]M&S £580.15@ 4.9%[/STRIKE]
    Total Debt 30th April 2008: £0 100% paid off!

    PROUD TO [STRIKE]BE DEALING [/STRIKE] HAVE DEALT WITH MY DEBT ;)
  • Lucy1982_2
    Lucy1982_2 Posts: 4,611 Forumite
    Well Done Storm!!

    I've never smoked and I have so much respect for smokers that decided to quit. Keep us posted on how you getting on. One of my Aunts read Allen Carr's book, I think it's called easy way to quit smoking. She had smoked for nearly 40 year and just stopped about 3 years ago.

    Good luck
    Current debt - £16,300 :(
    Debt at worst 17/03/2011 - £18,067.62:eek::eek:
    :ANot going anywhere else, ever again :A
  • slowlyfading
    slowlyfading Posts: 13,429 Forumite
    Part of the Furniture 10,000 Posts Name Dropper
    oo well done, i'm sure you'll be able to do it :) x
    Be who you are and say what you feel because those who mind don't matter and those who matter don't mind.
    Personal Finance Blogger + YouTuber / In pursuit of FIRE
  • Storm
    Storm Posts: 1,749 Forumite
    Debt-free and Proud!
    Thanks guys - Alan Carr's book worked for me when I quit before - unfortunately it didn't deal with what to do when you're very drunk and someone puts a lit cigarette in your hand!

    I've posted over on the stopping smoking thread too - and eating lots of biscuits!
    Total Debt 13th Sept 2006 (exc student loan): £6240.06 :eek:
    O/D 1 [strike]£1250 [/strike]O/D 2 [strike]£100[/strike] Next a/c [strike]£313.55[/strike]@ 26.49% Mum [strike]£130[/strike] HSBC [strike]£4446.51[/strike]@15.75%[STRIKE]M&S £580.15@ 4.9%[/STRIKE]
    Total Debt 30th April 2008: £0 100% paid off!

    PROUD TO [STRIKE]BE DEALING [/STRIKE] HAVE DEALT WITH MY DEBT ;)
  • Storm
    Storm Posts: 1,749 Forumite
    Debt-free and Proud!
    Oh, and I was just updating my sig with this month's payments having been set up & I've cleared just over 50% of my original debt :j

    Of course, if I'd not fallen off the DFW wagon so spectacularly in January I'd be well on my way to clearing the last of it, but oh well...
    Total Debt 13th Sept 2006 (exc student loan): £6240.06 :eek:
    O/D 1 [strike]£1250 [/strike]O/D 2 [strike]£100[/strike] Next a/c [strike]£313.55[/strike]@ 26.49% Mum [strike]£130[/strike] HSBC [strike]£4446.51[/strike]@15.75%[STRIKE]M&S £580.15@ 4.9%[/STRIKE]
    Total Debt 30th April 2008: £0 100% paid off!

    PROUD TO [STRIKE]BE DEALING [/STRIKE] HAVE DEALT WITH MY DEBT ;)
  • slowlyfading
    slowlyfading Posts: 13,429 Forumite
    Part of the Furniture 10,000 Posts Name Dropper
    well done, that's fantastic news! :j
    Be who you are and say what you feel because those who mind don't matter and those who matter don't mind.
    Personal Finance Blogger + YouTuber / In pursuit of FIRE
  • I don't know how many you used to smoke ( a couple a day or a couple of packs:confused: ) but just think of all that lovely money you'll be able to save to put towards your debt payments:j

    Well done on everything you've managed so far. Keep it up!:beer:

    Imp
  • Storm
    Storm Posts: 1,749 Forumite
    Debt-free and Proud!
    Impomdasp - I've been on roll ups since my LBM last Autumn, and was probably spending £6-7 a week on the tobacco, papers & filters. It's not as much as before (used to be £5.50 a day!) but still adds up to a few hundred per year.

    I have to admit though that I'm not going to be putting the money aside each week for the debts - I decided that I could still have it in my budget for 'treats' - although this first week I reckon it's going to be spent on Coke & chocolate (just eaten the most enormous Mars Bar as a cig substitute!)
    Total Debt 13th Sept 2006 (exc student loan): £6240.06 :eek:
    O/D 1 [strike]£1250 [/strike]O/D 2 [strike]£100[/strike] Next a/c [strike]£313.55[/strike]@ 26.49% Mum [strike]£130[/strike] HSBC [strike]£4446.51[/strike]@15.75%[STRIKE]M&S £580.15@ 4.9%[/STRIKE]
    Total Debt 30th April 2008: £0 100% paid off!

    PROUD TO [STRIKE]BE DEALING [/STRIKE] HAVE DEALT WITH MY DEBT ;)
  • Storm
    Storm Posts: 1,749 Forumite
    Debt-free and Proud!
    Hmm, discovered last night that when all my willpower is going into not smoking, I really shouldn't go near a supermarket!

    Ended up buying all sorts of things that I shouldn't have - big bottles of Coke, beer, chocolate fingers, crisps etc that are not only bad for my wallet but bad for my waistline! Oh well, it's *supposed* to get easier from tomorrow as all the nicotine will be gone from my system - then I've only got to worry about the pyschological cravings :rolleyes: so that should by easy huh? :rotfl:
    Total Debt 13th Sept 2006 (exc student loan): £6240.06 :eek:
    O/D 1 [strike]£1250 [/strike]O/D 2 [strike]£100[/strike] Next a/c [strike]£313.55[/strike]@ 26.49% Mum [strike]£130[/strike] HSBC [strike]£4446.51[/strike]@15.75%[STRIKE]M&S £580.15@ 4.9%[/STRIKE]
    Total Debt 30th April 2008: £0 100% paid off!

    PROUD TO [STRIKE]BE DEALING [/STRIKE] HAVE DEALT WITH MY DEBT ;)
This discussion has been closed.
Meet your Ambassadors

🚀 Getting Started

Hi new member!

Our Getting Started Guide will help you get the most out of the Forum

Categories

  • All Categories
  • 351.1K Banking & Borrowing
  • 253.2K Reduce Debt & Boost Income
  • 453.7K Spending & Discounts
  • 244.1K Work, Benefits & Business
  • 599.2K Mortgages, Homes & Bills
  • 177K Life & Family
  • 257.5K Travel & Transport
  • 1.5M Hobbies & Leisure
  • 16.1K Discuss & Feedback
  • 37.6K Read-Only Boards

Is this how you want to be seen?

We see you are using a default avatar. It takes only a few seconds to pick a picture.