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Baby steps to mortgage freedom for beanielou.

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Comments

  • I've never tried a SAD lamp but I do find that going to the gym a couple of evenings a week helps as it is so bright there - I'm sure that it's the lights that help me feel a bit better as well as being around others that are being more energetic than I feel! I also sleep with my blind up so I can see the street lights in the morning as I cannot cope with total darkness at all. Hope the lamp helps x
    MFW #69 Mortgage remaining Jan 2021 £221,644; Jan OP £1000;
  • beanielou
    beanielou Posts: 96,772 Ambassador
    Part of the Furniture 10,000 Posts Academoney Grad Mortgage-free Glee!
    Thanks yogavibes.
    Chair yoga is the best I can manage!
    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.
  • teafor2
    teafor2 Posts: 3,322 Forumite
    Part of the Furniture 1,000 Posts Name Dropper
    Really hope the SAD lamp helps you :) xx
  • Suffolk_lass
    Suffolk_lass Posts: 10,486 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    I use a craft daylight bulb in bedside lamps and a daylight alarm (this one) - it gradually gets lighter for the half hour before your wake-up alarm so it is like waking on a Spring morning in bright morning light - that helps DS and me
    Save £12k in 2025 #2 I am at £10,020.92 out of £6000 after September
    OS Grocery Challenge in 2025 I am at £2234.63/£3000 or 74.49% of my annual spend so far (not going to be much of a Christmas at this rate as no spare after 9 months!
    I also Reverse Meal Plan on that thread and grow much of our own premium price fruit and veg, joining in on the Grow your own thread
    My new diary is here
  • milann
    milann Posts: 11,524 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Combo Breaker
    I haven’t used a sad lamp but I used to work with a lady who swore by hers.
    January spends - £587.58
  • jwil
    jwil Posts: 22,522 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    I'll be interested to hear what you think about the SAD lamp, I've been thinking about getting one. Hope it works for you :)
    "Good financial planning is about not spending money on things that add no value to your life in order to have more money for the things that do". Eoin McGee
  • Pooky
    Pooky Posts: 7,023 Forumite
    1,000 Posts Combo Breaker
    We had smart meters fitted earlier this month, we don't have the gadget thing plugged in as we know how much we use. Both gas and electric meters now talk to each other, I do hope they're friendly:)

    Aside from the hour and a bit to fit them I can't see why you wouldn't get it done, they're just updated meters, no need to change if you change supplier and you can read them easily. I'd far rather have something more up to date than the old meters that were here when we moved in. The gas one is much smaller than our previous one which is a bonus as it's given me some cupboard space back.
    "Start every day off with a smile and get it over with" - W. C. Field.
  • beanielou
    beanielou Posts: 96,772 Ambassador
    Part of the Furniture 10,000 Posts Academoney Grad Mortgage-free Glee!
    Thanks everyone :)
    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.
  • girlatplay
    girlatplay Posts: 3,884 Forumite
    Part of the Furniture 1,000 Posts Photogenic Name Dropper
    I'm another one interested to hear about how you get on with the SAD lamp. I've been thinking about getting one for a while now (years).
    Mortgage at 12/07/2022 = £175,000
    Mortgage today = £161,690.76
    300 271 payments to go.
    House buyout fund £21,000/£40,000
  • I hope you SAD lamp makes you feel better Beanie.
    Finally Debt Free After 34 Years, But Still Need to Live Frugally
    Debt in July 2017 = £58,766 😱 DEBT FREE 31 OCTOBER 2017 :T 🎉
    EMERGENCY FUND 1 = £50/£5,000. EMERGENCY FUND 2 = £10/£5,000.
    CHRISTMAS SAVINGS = £0/£500. SEF = £1,400/£12,000 PREMIUM BONDS ME = £350. PREMIUM BONDS DH = £300.
    HOLIDAY MONEY = £0 TIME LEFT TO PAY OFF MORTGAGE = 5 YEARS 1 MONTHS
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