Raphael's DFW Diary ~ The beginning of the End

Gemmzie

Looking fab Raph!

beanielou

Looking good Raph.

SarahNeedle1872

YOu look absolutely GREAT Raph! I wish I had your motivation to lose weight!

unknown3rd

Even though I know it is you, the hair and the make up makes you look totally different...so much so...I would not have been surprised if you had walked down the street and I had not recognised you. But like I keep going :T:T:T:T:T so much at how much you have changed your life around and are getting things you want like the slimmer figure and becoming ever so, so, so close to be debt free.

The_Dragon

You look stunning Raph and I love the make up :rotfl:

x_raphael_xx

Hey all, well good stuff all this week. I've managed to get a 0% for 6 months credit card with Lloyds, so have transfered £1000 over, I will be able to pay the rest off Abbey this month (I think the balance will be £227.05)
I have to use the Lloyds credit card up to £100 in 3 months thou, and can't pay that off until the £1000 is paid. But the interest on the £100 will be nothing like what I am paying Abbey now.
So the next couple of months will be spent chucking every spare penny at Lloyds

beanielou

Great news on the 0% card.

jamesd

Congratulations! Good to see that the credit companies also see what you've been doing and are giving you halfway decent deals!

unknown3rd

Go you! Very true interest on £100 will be nothing compared to what you were paying. Also added benefit that you have alot of your Xmas presents already bought so that at least that frees up a bit more cash compared to if you were doing all xmas shopping over the next couple of months.

So happy (and proud) of you words cannot describe.

x_raphael_xx

Time for an update I think!

This morning I reached another marker in my weight, I have reached 11 stone 13.8 lbs, a mere 0.2 lbs below the 12 stone mark. I have now entered my final stone so bring it on!!
I also took my measurements today, my totals are...3 inches off my chest, 2 inches off my legs, 4.5 inches off my tummy, 0.5 inches off my arms, and a whopping 5!! inches off my bust! :T

On the debt front I admit I've been a little slack. This month I have paid over the minimum on Abbey, but not as much as I could have. My excuse is that I have been sorting out Christmas presents (not a very good excuse I know). I have been spending on the Lloyds credit card but that's only because I have to use it up to £100 to get the 0% (an anti-stoozing tactic I think). The balance transfer has gone thru so my accounts now stand at...

Abbey Credit Card ~ £205.45 to pay
Lloyds Credit Card ~ £1096.60 to pay (£1000 0% for 6 months)
So total debt stands at £1305.05.

I have to use the last £3.40 on the Lloyds card so will prob buy Shadows worming tablets on Sat with it, then put the card away.
I want to pay off Abbey before Christmas (and C's rent payment to me will more than cover that) so early 2009 will be spent focusing on Lloyds.

On the Christmas front, I only have 1 small gift to buy, and 2 parcels to arrive, and I'm done!