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Raphael's DFW Diary ~ The beginning of the End

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  • x_raphael_xx
    x_raphael_xx Posts: 4,411 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Photogenic
    Hey all,
    Yesterday was an *interesting* day. I was woken up by work ringing me at 6.10am, I was supposed to be at work at 6!
    Then in work I found out one of my collegues (who is on leave) had been talking about me & someone else, about how we can't do our jobs properly! Damn cheek! I think I am very competent in my work, I've been here over 6 years!
    Then a manager had a go at me for an incident that went on the day before, a couple of the staff were messing around and as I am in charge it is my responsability to keep them in check. He soon shut up when I told him the incident happened at 3pm, and my shift finished at 2! (Didn't apologise thou!)

    I'm still doing well with food too, yesterday a girl at work gave me her HM roast to take home, she didn't want it. A couple of weeks ago I would have polished the lot off, but I looked at it and decided it was too much, so I had half & I'm having the rest as bubble 'n' squeak today!

    When I got home from work yesterday I picked up my mail, my settlement confirmation for HFC 1 has arrived! Can't wait til Feb now!
    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 £103,594.98
  • gax23
    gax23 Posts: 205 Forumite
    Congrats on becoming almost debt free! I'll be following your story :)
  • x_raphael_xx
    x_raphael_xx Posts: 4,411 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Photogenic
    Woop! Another 1.4 lbs lost this week! yupi3ti.gif

    Just texted my brother to tell him,
    I'm keeping him updated each week, mainly to gloat encourage him to get on with his side of the challenge. He's sent off for his provisional licence, but says he has no money for lessons yet (dispite just booking a holiday to Gran Canaria :rolleyes:) He replied "Sound's like you're serious on this"...Uh...YES!! :D Looks like I'm in the lead so far!

    Settlement cheque & letter has been written out and is sat waiting to be posted. :D I've dated it for 8th Feb, as that is when I'll have enough wages in the bank to cover the cheque. Must remember to cancel the DD when I post it too!
    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 £103,594.98
  • yupi3ti.gif Woohoo!! Cheque has been posted! yupi3ti.gif

    I hope nothing major will come out of my bank in the next few days as I only have £6.41 until my wages go in on friday. :D

    Woop another one down yupi3ti.gif
    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 £103,594.98
  • wow raph, i thought you wanted to get debt free within 08 not within 4 months ~ you are doing so well ~ go girly :rotfl:
  • wow raph, i thought you wanted to get debt free within 08 not within 4 months ~ you are doing so well ~ go girly :rotfl:

    4 months! I wish Pap! :D September is my target at the moment. Hopefully with loads of extra shifts and cutting back I can bring it forward even more. Thou I think shortening my Debt Free Date by 12 months is quite an achievement (even if I say so myself) :D
    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 £103,594.98
  • The_Dragon
    The_Dragon Posts: 9,749 Forumite
    4 months! I wish Pap! :D September is my target at the moment. Hopefully with loads of extra shifts and cutting back I can bring it forward even more. Thou I think shortening my Debt Free Date by 12 months is quite an achievement (even if I say so myself) :D

    Indeed but I think you are going great! Here's hoping for a virtual "knee's up" when you get there!
    Do not meddle in the affairs of Dragons, for thou art crunchy and good with catsup :D
    NSD 15/20, OS WL 21-6 (4) :(C.R.A.P R.O.L.L.Z #44 Twisted Firestarter, VSP #57 - £39.43
    :p Every Penny's a Prisoner :p
  • x_raphael_xx
    x_raphael_xx Posts: 4,411 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Photogenic
    The_Dragon wrote: »
    Indeed but I think you are going great! Here's hoping for a virtual "knee's up" when you get there!

    It's going to be more than virtual from my end! :D
    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 £103,594.98
  • The_Dragon
    The_Dragon Posts: 9,749 Forumite
    It's going to be more than virtual from my end! :D

    I should hope so! but seeing as we cannot all get to be with you, we will all have to have our drink and nibbles of choice at home and just chat with you on here!
    Do not meddle in the affairs of Dragons, for thou art crunchy and good with catsup :D
    NSD 15/20, OS WL 21-6 (4) :(C.R.A.P R.O.L.L.Z #44 Twisted Firestarter, VSP #57 - £39.43
    :p Every Penny's a Prisoner :p
  • 4 months! I wish Pap! :D September is my target at the moment. Hopefully with loads of extra shifts and cutting back I can bring it forward even more. Thou I think shortening my Debt Free Date by 12 months is quite an achievement (even if I say so myself) :D

    never say never hun... i bet you could do it. But as you say 12months is amazing anyways... what would you like to do when you become debt free?
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