Debt v Fat - the secret of the Universe?

Zulu_Dawn

Hi

It seems to me that there may be a link between how much you owe and how overweight you are.

Ones BMI is calculated by ones weight in kilos divided by ones height in cm squared

I.e 90kg and 150cm gives a BMI of 90/ (1.5*1.5) = 40 (V obese!)

I am interested in ones DMI (debt measurement index)!!

This is reached by calculating your monthly available repayments for the last two months multiplied together and then divided by your total outstanding debt.

Thus with a debt of £100k and an available repayment of say £1,000 each month you would have a debt index of

(1000*1000)/100000 =10

A smaller debt and smaller repayment would give you a higher score.

(200*200)/30000 =1.33

Basically the higher score the better.

I have done some playing and come up with the following assessment

DMI over 200 Undergeared. On the way to DFW. Don't worry
DMI 100-199 Indebted. But you can sort it out with a bit of effort
DMI 50-99 Deepdebted. Debts are big. Serious action now
DMI 10-49 Severely in debt. A longterm plan is needed asap.
DMI below 10 Obesely in Debt. Ring up CAB immediately.

For what it's worth my DMI is currently 12. I am on a self administered DMP with a potential DF date of more than 10 years hence

Now the clever bit is to deduct 20 from your BMI (calculated earlier ) and divide it by your DMI. If the answer is close to zero, I hate you, you slim DFW. :rolleyes: If your total is more than 1 then I suspect you, like me blew all your money on piesand need to keep coming back to this site to keep us out of the local bakers.

Madness or a wonderful new invention? I'd be grateful for your opinions/comments.



ZD

LittleL_4

Whit! Too complex for me and I have a degree in biochemistry :doh: :doh: :doh: :doh:
L
x

Imelda

mmmm, not sure if I have done this right but I came out to 0.003, I have lost 7lbs recently and I am almost debt free....

Numbers are not my strong point (and if you knew my job you would be shocked!)

Zulu_Dawn

Heck it seems to work.

Imelda, you are close to zero, feel wonderful and proud and slim and in control!

JohnInDebt

0.1 :beer:


Note: BMI isn't the best way to determine overall health as it cannot determine the muscle/fat ratio, a %fat measurement is a better indicator. (as a footballer who regularly frequents the weights room in the gym i'm not overwight even though my BMI would suggest otherwise).

CAFCGirl

ok 7 grand debt, pay back circa £300 a month,and I weigh 7st3, and I'm a short !!!!!!, 5ft2......

what does that make me?

Zulu_Dawn

Maybe using that would help our biochemist!

Glitterari

Wonderful though I'm pants at maths and it makes my head hurt.

climbgirl

Zulu_Dawn wrote:

Heck it seems to work.

Imelda, you are close to zero, feel wonderful and proud and slim and in control!

but you said the higher the number the better, surely being close to zero isn't good?!?!?

JohnInDebt

CAFCGirl wrote:

ok 7 grand debt, pay back circa £300 a month,and I weigh 7st3, and I'm a short !!!!!!, 5ft2......

what does that make me?

You have a BMI of less than 20...

Zulu_Dawn wrote:

Now the clever bit is to deduct 20 from your BMI (calculated earlier )

...so this is where the calculation falls down a bit.


Basically you are normal weight with not too much debt....

Are you single... :rotfl:

Mrs_Sparkle

Oh god, my DMI is 19.6 and my BMI is 25.7. That's depressing... but I think I'm proving your connection!

Edited to say I think that gives me a figure of 0.29. Too many curries and bottles of red wine obviously.