fishface's diary

In_Search_Of_Me

Hi all. Decided to try & NOT get any more clothes for now and just hang in there. I did look in tesco/asda & Sains but nothing I liked so will just keep tying things up so they dont fall down! A good DFW week, esp bearing in mind that I've been off! Not spent and my £10 unnecessary money remains intact which I'm really chufed about! Major dilemma getting petrol as was going to use CC as mega skint but was a good girl & decided not to! Possibly will have to toward the end of the month as a couple of long work journeys to do and until I get organised may have to. Also mid changing accounts over so that doesent help & very confusing.
Now got quite a bit listed on ebay & investgating selling a silver jubilee cup I have but unsure of value so seeking advice!
Also think it would be worth more to keep it until queen is no longer here! (sounds awful...would I sell my own mum? yes prob & she'd happily put herself in the pot if it would get me out of debt!! Oh the levels we sink to fellow DFWs!!).
Been feeling a bit cack the last couple of days and trying to be positive & stop berating myself for my own stupidity at getting to this place again!
Diet going ok but this no eating food lark is a pain in the bum! BORING! Mind you pounds are dropping off and its actually quite satisfying knowing that your fat is being used to fuel you in a psycho kind of way! Mind you some days I must get a lump as feel shattered at times! Off to watch BB - hope chanelle goes!

Gemmzie

Hey fishface, nice to see the diary returned

What happens when you go back on food with this diet? How long is it no food for?

*zippy*

Hi fishface :hello: only just noticed your new diary, well done on the weight loss :T

I'm not far from you i'm in bridgend

In_Search_Of_Me

Gemmzie wrote: »

Hey fishface, nice to see the diary returned Thanks!

What happens when you go back on food with this diet? How long is it no food for?

Very good question Gemmzie! I have no idea! Its getting expensive but I want to hang in as long as I can because I think its really important to complete the process so probably 2 months (or until I get to about 9 1/2 stone) of no eating & then gradually reintroduce food on the "management" phase of the diet which is meant to be over about 3 months on a reducing fee scale (thank goodness!) - you gradually replace food packs with food & look at trigger foods etc along the way which in my book is essential to not putting it back on!

In_Search_Of_Me

*zippy* wrote: »

Hi fishface :hello: only just noticed your new diary, well done on the weight loss :T Thanks for both!

I'm not far from you i'm in bridgend

thanks! Must have passed you as I drove back (& to!) Swansea today! Would have waved if I'd known!!!:beer:

In_Search_Of_Me

A good DFW week in many ways as I've spent none of my £10 unecessary money which is good and I now carry forward £13.01 into next week! The dilemma there though is do you get the cash out & put it in the jar or leave it in the bank offsetting my one account!! Problems problems!!
I've also registered for babysitting on a local website (free of course!) and checked my credit report and all fine there but not a good credit score because I havent had credit for over a year!! Ironic isnt it! Wont do anything for now but will consider moving when my 0% is up! Must also close some of my old accounts & have started already.
Going to have a day at the allotment today as nothing done in the last week due to DFW efforts & will try & list more stuff on ebay. Problem is alot of it is my old large clothes that no longer fit & they need ironing!!

In_Search_Of_Me

Well I've finally sat down & worked it all out again! Somewhat depressing as still over the 30 mark but looking at the figures I have paid off £6356.85 since I started in April 06, despite slippage so am just going to stop beating myself up & start again! Totals for now are £7285 on cc's (which I'll update on payday as its the end of this week!) & the rest on my two loans which seem to go forever! (87 & 84 payments respectively!) Yup they DO go on forever! Never mind, its done! CC's I have no managed to sort two LOB rates - 3.9% on M&S & goldfish so that will help and will get the 17.9% one off first (MSDW card - now the same co as goldfish I realise!) My cunning plan to transfer this £7285.53 went awry because of this but the bulk is on low rate so focus on them first! At the end of the day I am doing all I can so cant do more. Olympic challenge is underway & going OK. Doing loads of surveys! Plus ebay stuff & hoping my Tiffany ring will go (6 watchers now!) which all helps. Despite not berating myself I feel incredibly cross with myself, despite paying quite a bit off (would have been more though!) - not so much because of the debt but because I am repeatedly stupid with money!! Will I EVER learn I wonder! Mind you was pleased to see how much I have paid off! Must off as only popped home from work after a meeting & now have to go back to by where I work (20 miles away) because its my lighterlife night tonight! At least I had some time to go through stuff though and it feels better that I am quite close to the £30,000 mark (£31,042 to be precise!!) so a biggie milestone on the way! Plus i now know whats what & account book up to date ready for pay day this week! Am pretty much decided that I will "borrow" money from my terramundi (size 12 clothes fund), if nothing else to save the 19.9% interest that I am payng on MSDW, even if only for a few months, it will make a difference so this months aim to to pay that card off if at all possible! Onwards & upwards!

Gemmzie

Goldfish do a 3.9% offer? Did you ring them or they contact you?

You definitely sound like your back

In_Search_Of_Me

Gemmzie wrote: »

Goldfish do a 3.9% offer? Did you ring them or they contact you?

You definitely sound like your back

Yes I'm back, with a vngence!! Goldfish is the same company as MSDW which I hadnt realised when I applied online (after I checked my credit score!) but I rang them as they have a LOB transfer offer of 3.9% but apparently its a max of 36 months BUT will enable me to pay that bit of cheaper than doing 0% balance transfers all the time & is much easier me thinks plus will also encourage me to pay off as much as I can because I'm paying interest!!

In_Search_Of_Me

Well just done my accounts (see sig!). It's been quite a good DFW week. I am SOOO close to the £30,000 mark I can nearly taste it! Doing well on the unecessary challenge and have had quite a few no spenders this week. CC's coming down & new spreadsheets done. Monthly budget will take a while to sort due to new gas & elec & council tax payments but nowt I can do about any of these - the problem with switching. I am also hoping to get dosh back from Npower who I think have been overcharging me for months. I also rang previous lenders re mortgage exit fees & have written to Northern Rock as requested. HSBC didnt charge one apparently!
£450 off CC's this month which is good and leaves me feeling like I am back on track! Done a few surveys and tidied again! Bills are a pain as they seem to be left all over the place & must start being good & putting them in their little basket! Debated whether to snowball calc the CC's but never did before as I found it a bit depressing! I much prefer to keep paying as much as I can and keep to the minigoals of this! I also find when I am doing well that I have a tendency to get a wee bit complacent! Debated whether to go swimming & didnt. Finding the diet tough & would give my left arm for a lemon chicken & egg fried rice with popadam!! Not going to as very close now - just want to loose just over a stone & a half to get me to 9 1/2 stone before I go onto management where I start to introduce food. Gets harder by the day and I really wish M&S would stop doing food adverts - as well as pizza for that matter! Agony!! Off to see what books avail on amazon for my GFK survey money of £10. Going for low GI diet when I go back to food so want to get recipe books!