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Raphael's DFW Diary ~ The beginning of the End
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x_raphael_xx wrote: »Just worked out that since the beginning of the year I have reduced my debt by £1427.80!!! If that doesn't get me cheerful again I don't know what will!!
Went ice-skating today, lots of funI'd like to start going regularly again, but at £4.70 a session it's a little much right now, even just once a week it works out at £20 a month. Maybe when I'm DF
Woo hoo! great news on the debt reduction!Do not meddle in the affairs of Dragons, for thou art crunchy and good with catsup
NSD 15/20, OS WL 21-6 (4)C.R.A.P R.O.L.L.Z #44 Twisted Firestarter, VSP #57 - £39.43
Every Penny's a Prisoner
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And how much have you paid in unexpected bills since the start of the year?0
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And how much have you paid in unexpected bills since the start of the year?
Errrrr...hang on, I'll checkDebt 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 £103,594.980 -
£748.76!! _pale_
£399 of that is my new laptop, but all the rest is car related!! £44.84 to cancel my insurance, and £304.92 in repairs!! :eek: Thankfully I don't have the car any more! :rolleyes:
As well as these unexpected expenses, I am also paying gym membership at £43 a month, and other 'treats' and days out, which I reckon on average is about £20-£50 a month.
So all in all, I'm not doing too badly
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 £103,594.980 -
More woot-ness...I've been thinking for a while that my bra is getting too big, so I thought I'd have a little measure and see what size I am now.
I have gone from a 44DD to a 40D!! *faints* this means that around my chest I have lost about 10 inches!! *faints again*:D:D
This also now means that I can find my size bra in supermarkets!! Usually they do up to 44D or 40DD, but never my size! So I can get cheapy bras to tide me over til I get down to my target weight, will get too expensive having to keep buying.
I hate having big bazongas, so this is great news to me.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 £103,594.980 -
x_raphael_xx wrote: »More woot-ness...I've been thinking for a while that my bra is getting too big, so I thought I'd have a little measure and see what size I am now.
I have gone from a 44DD to a 40D!! *faints* this means that around my chest I have lost about 10 inches!! *faints again*:D:D
This also now means that I can find my size bra in supermarkets!! Usually they do up to 44D or 40DD, but never my size! So I can get cheapy bras to tide me over til I get down to my target weight, will get too expensive having to keep buying.
I hate having big bazongas, so this is great news to me.
Excellent news Raphael! always a bonus being able to get something for £5 instead of £50!!Do not meddle in the affairs of Dragons, for thou art crunchy and good with catsup
NSD 15/20, OS WL 21-6 (4)C.R.A.P R.O.L.L.Z #44 Twisted Firestarter, VSP #57 - £39.43
Every Penny's a Prisoner
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And something like 350 in interest, so that's around 2525 in debt repayment and unexpected costs in just five months. Debt-free by Christmas - nope.
It looks as though you'll be debt-free by mid November if nothing else unexpected comes up.
By April maybe 2500 extra (ignoring Christmas costs) which would make a very nice emergency fund in a cash ISA.If you want a new challenge I'll suggest trying to put the maximum 7200 into a stocks and shares ISA in the 2009/10 tax year.
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Just got the tape measure out to take stats of the rest of me. My boobs seem to have grown overnight and now apparently I'm a 40DD! :rotfl:Must be TOTM I reckon. At least I'm still 40, and not 44!
My other measurements are...
Top of arm … 14 inches
Top of leg … 26 inches
Tummy/hips … 44.5 inches :eek: And I know my tummy has gotten smaller! Hate to think was it was when I was 3 stone heavier!
Now I can work at bringing these down!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 £103,594.980 -
Weigh in day today and I have lost 3.8 lbs!! Just 1.4 lbs off 14 stone so I'm going to say I've reached my June target!!
I'm going to keep the momentum going and look forward to the next target ~ 12 stone (168 lbs) by Christmas, which would also take me out of the 'obese' group, and into the 'overweight' groupDebt 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 £103,594.980 -
x_raphael_xx wrote: »Weigh in day today and I have lost 3.8 lbs!! Just 1.4 lbs off 14 stone so I'm going to say I've reached my June target!!
I'm going to keep the momentum going and look forward to the next target ~ 12 stone (168 lbs) by Christmas, which would also take me out of the 'obese' group, and into the 'overweight' group
Woo hoo!!! well done you that is great news!:j:j:j:j:jDo not meddle in the affairs of Dragons, for thou art crunchy and good with catsup
NSD 15/20, OS WL 21-6 (4)C.R.A.P R.O.L.L.Z #44 Twisted Firestarter, VSP #57 - £39.43
Every Penny's a Prisoner
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