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Im not Vix but ask anyway!!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 -
well firstly im thinking of ways to attract civil partnerships to gift lists, then im thinking do the perks of taking out a gift list with a certain company sway you to choose that particular company. I've done a little swot analysis but im not sure if thats going to heavy.. i havent done it heavy but i wanna show i kinda know what im on about when i dunno what im on about really.
so fire away beanie, answer my questions as a role playing newly engaged lady who is seeking out a list!0 -
Lets go then Vix.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 -
Whos engaged on here? i want to ask some gift list questions to help me with my business plan..please!
Too scared of scales to weigh in. I feel HUGE. I'm really stressed at the moment, find out my MRI results in the morning so will know what they need to do to fix my knee, we're buying our first house which is a nightmare, alongside organising the wedding, our house deposit may or may not be incoming from my H2Bs dad despite us starting this whole thing off because he offered us one, starting to dread going back to work and being so out of the loop and behind and at the same time missing it, and despite paying off around £1000 in debt repayments a month it just doesn't seem to be going down as something always needs paying for such as both cars deciding to die in the same week, or the house survey costing £1200 when we had budgetted £700.
Starting Harcombe next week (if the books ever arrive), hopefully will feel less balloon like then.Debt January 1st 2018 £96,999.81Met NIM 23/06/2008
Debt September 20th 2022 £2991.68- 96.92% paid off0 -
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Im kinda engaged (dont ask lol) been together 4 years (awwwww) even though we forgot our anniversary last week oooooops sounds like we are married hahaIs a Bipolar bear0
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welcome Tesscha :j0
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lo all! wow sotw, feel v chuffed. And also rather guilty about hte off piste day on weds, but it's history now, and I did walk for miles that day . . . . .
back to the real world toda,y into work. Vix, sounds like your idea of heaven - as far as enouraging people to use the gift list service, does your store stok wedding dresses and bridesmaids dresses? How about some sort of link up with that funtion? Good luck with the moving in with matt's parents - you'll be like Gavin and Stacey!!0 -
Thanks guys, I'm off to the gym for my induction this morning!! I'll tell you all how it went later.
Tess0 -
Hi everyone!
Congrats on the good results, well done KPC for SOTW! :T
Eric, I'm a bit of a data fiend myself so I like your work! The trouble I have when I create too much of a calorie deficit, is that my body is quick to adapt and my metabolic rate suffers, so effectively my 'maintenance' level drops significantly which reduces the deficit. Result = lower weight loss than I'd expect for the effort that's gone in. I'm now very careful about not reducing it too much: 15% under 'theoretical maintenance' is as low as I'll go (20% max if I had more to lose).
The mistake I used to make was starting with the BMR calculation (the age/weight/height one) as the 'absolute' number, when it isn't absolute, it's variable by quite a lot. Now I take my body fat % result (actual) as the starting number and use that along with calorie intake (actual) to calibrate my exercise calories, estimate BMR etc and go from there. If that makes sense?! :rotfl:
Sorry to all the non-data minded people... As you were...0
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