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Clearing it Now!!!

124

Comments

  • My weight loss:
    The first goal I set myself at the start of June was an ambitious one.
    I wanted to lose 3lb a week before the end of July - which works out at around 25.5lbs. :eek:

    It has been hard but I am nearly there and unless I have several relapses in the next week I should reach that target. Only 1 more lb and 1 week to go :beer:
    As I was doing so well I set myself a 2nd mini target of 2stone by the end of the month, and only 3lb more to achieve that, although I may struggle with that. :)

    Couple of weeks holiday then, and I will feel much more confident on the beach at 15st 6lb rather than 17st 6lb. Although I know I still have more than 4st :eek: more to lose so won't turn any heads :rotfl:

    When I return from leave I will set myself another target. Not sure what yet but I am thinking it will be to lose another 2 stone before the end of November. I think that will work out at about 1.7lbs a week for around 17 weeks.
    I know that will be harder than the last couple of months but hopefully if I attack it as I have done so in the last couple of months I will get there.
    Total debt [STRIKE]£23,967[/STRIKE]\ £19,190. DFD: Feb 2015.
    Loan with largest monthly repayment:
    [STRIKE]£20,496[/STRIKE] £1,442, £1,068, £712, £355, £0. (£360 a month better off when this one finishes! Last payment Feb 2014)
    (Weight
    [STRIKE]17st 6lb[/STRIKE]\16st 3b)
    (Books read this year 1\6 )
    Amazon Vouchers for Christmas £73/£200.

  • and finally:
    To wrap up my diary I still haven't read any books this year so my target is still 0\6 :o.
    But with a holiday coming up I may be able to add 1 to that - as long as I am not too busy enjoying myself.

    I also have over £200 in Amazon vouchers at the moment saved from cashback sites. Not sure it will still be there for Christmas but if it is, and if I continue to add to it, then I should have a fund of over £300 for Christmas presents! :j
    Total debt [STRIKE]£23,967[/STRIKE]\ £19,190. DFD: Feb 2015.
    Loan with largest monthly repayment:
    [STRIKE]£20,496[/STRIKE] £1,442, £1,068, £712, £355, £0. (£360 a month better off when this one finishes! Last payment Feb 2014)
    (Weight
    [STRIKE]17st 6lb[/STRIKE]\16st 3b)
    (Books read this year 1\6 )
    Amazon Vouchers for Christmas £73/£200.

  • Credit rating still only 2/5 with Noodle though. Maybe it will change when it gets updated in a couple of weeks time.
    Total debt [STRIKE]£23,967[/STRIKE]\ £19,190. DFD: Feb 2015.
    Loan with largest monthly repayment:
    [STRIKE]£20,496[/STRIKE] £1,442, £1,068, £712, £355, £0. (£360 a month better off when this one finishes! Last payment Feb 2014)
    (Weight
    [STRIKE]17st 6lb[/STRIKE]\16st 3b)
    (Books read this year 1\6 )
    Amazon Vouchers for Christmas £73/£200.

  • Weight now 15st 7.5lbs - a loss of 26.5lbs. :beer:
    So I have reached my initial target, of 3lbs a week before my holiday, and even passed it by 1lb - still a few days to go before the final weigh in for the target though.
    Hopefully I won't put any weight on - hopefully I reach my mini 2st target instead, only 1.5lbs to go.

    Money - debts going down.
    At the moment my debts stand at £20,751 that is a reduction of £3216 since April, which is £643 a month. If I keep repaying at level it will take me 32 months to be debt free, whereas I have calculated I should be able to achieve it in just 17 months!
    So whereas it is good the debt is being reduced I will have to step it up. To be continued....
    Total debt [STRIKE]£23,967[/STRIKE]\ £19,190. DFD: Feb 2015.
    Loan with largest monthly repayment:
    [STRIKE]£20,496[/STRIKE] £1,442, £1,068, £712, £355, £0. (£360 a month better off when this one finishes! Last payment Feb 2014)
    (Weight
    [STRIKE]17st 6lb[/STRIKE]\16st 3b)
    (Books read this year 1\6 )
    Amazon Vouchers for Christmas £73/£200.

  • Well holiday is here and didn't quite manage the 2st but did meet my 3lb a week target. Very happy :beer:
    Total debt [STRIKE]£23,967[/STRIKE]\ £19,190. DFD: Feb 2015.
    Loan with largest monthly repayment:
    [STRIKE]£20,496[/STRIKE] £1,442, £1,068, £712, £355, £0. (£360 a month better off when this one finishes! Last payment Feb 2014)
    (Weight
    [STRIKE]17st 6lb[/STRIKE]\16st 3b)
    (Books read this year 1\6 )
    Amazon Vouchers for Christmas £73/£200.

  • I will need to get myself motivated again when I return from holiday so thinking up targets I would like to meet:

    Targets for 1st October
    Weight: Lose another stone. 7 weeks - 2lb a week. I will then be 14st 6lb with another 3st 3lb to lose :eek:

    Money: At the moment my DFD is December 2014. I will have had 2 pay days by then so not a lot of room for movement, but it should be possible, with slightly larger repayments, to bring that DFD to November 2014. One month closer. In order to achieve this I need to repay an extra £350.

    Books: Read 2 books.
    Total debt [STRIKE]£23,967[/STRIKE]\ £19,190. DFD: Feb 2015.
    Loan with largest monthly repayment:
    [STRIKE]£20,496[/STRIKE] £1,442, £1,068, £712, £355, £0. (£360 a month better off when this one finishes! Last payment Feb 2014)
    (Weight
    [STRIKE]17st 6lb[/STRIKE]\16st 3b)
    (Books read this year 1\6 )
    Amazon Vouchers for Christmas £73/£200.

  • Shelbi
    Shelbi Posts: 744 Forumite
    Debt-free and Proud!
    Brilliant diary...wishing you the best of luck...looking forward to reading more *subscribed* x
    DFD-01.03.2018:starmod: :beer::T
    Maternity Savings- £2000/£10,000
    Emergency Fund- £1,000/£5,000
    House Deposit- £0/£25,000.
    NSD November 2/30
    Make £5 per day- £128.48/£155
  • Verbatim
    Verbatim Posts: 4,831 Forumite
    Part of the Furniture 1,000 Posts
    Ah I've found you from your last post on the other diary. You seem to steaming ahead. Brilliantly well done. Enjoy your holiday and the books.
    CCs @0% £24k Dec 05 £19,621.41 Au £13400 S 12600 Oct £11,981 £9481 £7500 Nov £7250 D £7100 Jan 6950 F £5800 Mar£5400 May £4830 June £4660 July £4460 Aug £3200, S £900, £0 18/9/07 DFW Nerd 042
  • Julie67
    Julie67 Posts: 2,362 Forumite
    1,000 Posts Combo Breaker
    Well done on your weight loss, I have around three stone to lose and quite a bit more debt than you:eek: but found your diary very inspirational.
    Enjoy your hols, when you return I want details of how you lost the weight:T
    Started Self Managed DMP 10th May 2017.
    Working hard to get rid of our debt.
  • I'm back. I had a really good break, just need another one now to recover :cool:

    I ignored my diet completely on holiday and as a result put on 6lbs :eek:

    Oh well, will have to get back to it and start losing again. I am hoping those first few pounds will be fairly easy to shift. Now I know I can lose the weight, if I try, I will keep up the effort. I will work out later what I want my new target to be.

    Thanks for the support everyone.

    In answer to Julie67 I have basically lost the weight by counting the calories. I have been very good and basically cut right down on eating chocolate, cheese, biscuits and a lot of other high calorie foods. All of these I used to regularly eat.
    I have also cut down on the portion sizes.

    I won't say it has been easy as I found it really, really difficult. I realised I needed to lose the weight when I tried on clothes for my holiday and found none of them fitted, although a couple of years ago they did. :o
    (I am glad to say after losing nearly 2st they all fitted for my holiday though)

    I also substituted some food. e.g. I buy baked crisps which are a less calories than other crisps. Ice lollies at around 60 calories a go I also found were good as they take a while to eat and replace some other foods when I was feeling weak and had to resist those sweets etc. :D

    Piling the veg high also helped. It meant I filled up and didn't snack so much and so it helped me resist those other foods.

    Anyway will have to see if I can carry on now the holiday is over.
    Total debt [STRIKE]£23,967[/STRIKE]\ £19,190. DFD: Feb 2015.
    Loan with largest monthly repayment:
    [STRIKE]£20,496[/STRIKE] £1,442, £1,068, £712, £355, £0. (£360 a month better off when this one finishes! Last payment Feb 2014)
    (Weight
    [STRIKE]17st 6lb[/STRIKE]\16st 3b)
    (Books read this year 1\6 )
    Amazon Vouchers for Christmas £73/£200.

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