We’d like to remind Forumites to please avoid political debate on the Forum.
This is to keep it a safe and useful space for MoneySaving discussions. Threads that are – or become – political in nature may be removed in line with the Forum’s rules. Thank you for your understanding.
📨 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!
Raphael's DFW Diary ~ The beginning of the End
Comments
-
x_raphael_xx wrote: »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!
Sounds as though everything is well and truly coming together for you Raph and I am really, REALLY pleased about it!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
0 -
Just playing with some numbers, I'm only 0.58 away from having an 'Ideal' BMI! The upper limit is 25, and I'm 25.58
I only need to lose 4 lbs and for the first time since I was a teenager I will not be 'Overweight'!!
I started my weight loss journey with an 'Obese' BMI of 36.24 and now I'm on the cusp of being 'Ideal'
Popped into town today and met the missus for lunch. I got the last of my Christmas presents and paid some money onto my Abbey credit card, I'm going to make an online payment in a minute. When they both clear I will owe Abbey...NOTHING!!
I can start on Lloyds early
and get the balance down a little before Christmas, then go at it with vigor in the New Year!
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: »Just playing with some numbers, I'm only 0.58 away from having an 'Ideal' BMI! The upper limit is 25, and I'm 25.58
I only need to lose 4 lbs and for the first time since I was a teenager I will not be 'Overweight'!!
I started my weight loss journey with an 'Obese' BMI of 36.24 and now I'm on the cusp of being 'Ideal'
Go Raph! absolutely brilliant news :j
Popped into town today and met the missus for lunch. I got the last of my Christmas presents and paid some money onto my Abbey credit card, I'm going to make an online payment in a minute. When they both clear I will owe Abbey...NOTHING!!
I can start on Lloyds early and get the balance down a little before Christmas, then go at it with vigor in the New Year!
Even better news! does this mean you are nearly debt free as well as being a skinny minnie?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
0 -
That's fantastic news on the BMI Raph :T :T
Lloyds should be worried No longer using this account for new posts from 20130 -
The_Dragon wrote: »Even better news! does this mean you are nearly debt free as well as being a skinny minnie?
Oh yes! Just over £1000 left to go 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: »Oh yes! Just over £1000 left to go
WOOTNESS!!! even better news, 2009 onwards is going to be great for you I think 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
0 -
Thought I'd like to share this with you, it's my Abbey Credit Card statement (account details not showing of course!)
Check out the outstanding balance!! :T
Just the Lloyds to go!
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 -
Fab news for you.
Get that siggty updated.
Lloyds will be under £1000 for Christmas me thinks.I am a Forum Ambassador and I support the Forum Team on Mortgage Free Wannabe & Local Money Saving Scotland & Disability Money Matters. If you need any help on those boards, do let me know.Please note that Ambassadors are not moderators. Any post you spot in breach of the Forum Rules should be reported via the report button , or by emailing forumteam@moneysavingexpert.com. All views are my own & not the official line of Money Saving Expert.
Lou~ Debt free Wanabe No 55 DF 03/14.**Credit card debt free 30/06/10~** MFW. Finally mortgage free O2/ 2021****
"A large income is the best recipe for happiness I ever heard of" Jane Austen in Mansfield Park.
***Fall down seven times,stand up eight*** ~~Japanese proverb. ***Keep plodding*** Out of debt, out of danger. ***Be the difference.***
One debt remaining. Home improvement loan.0 -
Is that zeros I see? :T No longer using this account for new posts from 20130
-
Woooooooooooooooooo Hooooooooooooooooooooooooo: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
0
This discussion has been closed.
Confirm your email address to Create Threads and Reply
Categories
- All Categories
- 351.7K Banking & Borrowing
- 253.4K Reduce Debt & Boost Income
- 454K Spending & Discounts
- 244.7K Work, Benefits & Business
- 600.1K Mortgages, Homes & Bills
- 177.3K Life & Family
- 258.4K Travel & Transport
- 1.5M Hobbies & Leisure
- 16.2K Discuss & Feedback
- 37.6K Read-Only Boards