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Small Steps Out Of Massive Debt!

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  • redofromstart
    redofromstart Posts: 5,813 Forumite
    Seventh Anniversary 1,000 Posts Photogenic Name Dropper
    I like the teaspoon metaphor.

    Clinique for me is the moisture surge one, lovely stuff but not as good as my favourite ever skin thing which is Estee Lauder Idealist.

    Silver queen thanks for the feedback on the Vit C one, that was on my mental to try list.
  • I like the teaspoon metaphor.

    Clinique for me is the moisture surge one, lovely stuff but not as good as my favourite ever skin thing which is Estee Lauder Idealist.

    Silver queen thanks for the feedback on the Vit C one, that was on my mental to try list.

    It's good isn't it? It's from another poster with a really inspiring thread but of course now I can't find or remember it :o Will update if it comes back to me!
  • redofromstart
    redofromstart Posts: 5,813 Forumite
    Seventh Anniversary 1,000 Posts Photogenic Name Dropper
    I think I can remember IwanttobeSW posting about it ages ago on her diary? I had some as a free sample and really liked it so bought some when they did a buy one, get one free offer last year.
  • Seasidegal58
    Seasidegal58 Posts: 6,017 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Photogenic
    Hi GC Good to see you back


    GC/Seasidegal58
    Which clinique moisturiser to you use?

    I don't use the Clinique moisturiser any more TGITGH. Up until a few years ago I used to use their whole three step system but now use a micellar water based cleanser and an Olay serum during the day under my foundation. I found I needed something a bit stronger for my ageing skin than the moisturiser - plus I still have combination skin that doesn't need that much hydrating. Last summer I discovered Roche-Posey's tinted moisturiser which was great for hot days when foundation felt too heavy and gives reasonable coverage.
    Finally Debt Free! - July 2016 🌟
    Finished Emergency Fund- £10,000 April 2017
    🌟
    RETIRED: MAY 2021!!!!😀🎆
    My diary: “Seasidegal's Scrimpy Retirement Diary!”
  • Hello Duchess - nice to have you back!

    Blimey, I feel really out of it on the skincare discussion - I joined the No More Buying Toiletries thread a while back and it really helped me figure out what does/doesn't work for me and stick to it.

    Best of luck with the debt-busting. It's going slooooowly for me.
    Debt: £11,640.02 paid in full! DFD: 30/06/20
    Starter Emergency Fund (#187): £1000/£1000
    3 month Emergency Fund (#45): £3300/£3300
  • I have problematic skin, with acne now combined with dry spots. A few years ago I realised that cheap skincare was no longer cutting it. Estee Lauder Advanced Night Repair serum has done wonders for my skin, I think that given the results the price isn't too hideous. I buy it in Boots for Advantage points and Estee Lauder are really generous with samples and treatments for regular customers. I (now) don't spend particularly much on shoes, clothes or anything else for myself really, but a good haircut and decent skincare are non-negotiable for me. I may have debt, but equally I can't turn up to work looking like a bag lady.
    £20k debt paid off, now saving for mortgage deposit
    In the process of shedding 42lbs
  • I have problematic skin, with acne now combined with dry spots. A few years ago I realised that cheap skincare was no longer cutting it. Estee Lauder Advanced Night Repair serum has done wonders for my skin, I think that given the results the price isn't too hideous. I buy it in Boots for Advantage points and Estee Lauder are really generous with samples and treatments for regular customers. I (now) don't spend particularly much on shoes, clothes or anything else for myself really, but a good haircut and decent skincare are non-negotiable for me. I may have debt, but equally I can't turn up to work looking like a bag lady.

    I have the same issue - acne and dry spots. Advanced Night Repair used to work wonders for me too (I used to work for EL so got it on massive discount and often free) but I've actually now had better results using Body Shop's camomile cleansing balm in conjunction with the Ordinary skincare! I completely agree that EL are really good with giving samples and treatments though.
    Debt Totals July 2019::
    [STRIKE]£350 Natwest Credit Card [/STRIKE]/ ]Now £0 (paid off and closed 04/2017) £15,500 postgrad loan from parents/ Now £7,000 £5,000 sister loan/ Now £0[STRIKE]£500 train ticket loan from parents [/STRIKE]/ Now £0 (paid off 16/02/18)[STRIKE]£2,000 Overdraft[/STRIKE] Now £0 (paid off 09/03/18) £1,967.83 Barclays 0% card Now £0
    Total £7,000
  • leon103
    leon103 Posts: 732 Forumite
    Since yesterday I have read this entire thread and enjoyed more than the current book I am reading. Well done on changing your life style. I would be interest in seeing how your monthly outgoings have changed.

    I used to read these diaries a lot in the past. I am in a fortunate position have having little debt, a mortgage and a few months left of my student loan. This has been achieved from reading threads like this and being a tight !!!!. But I always learn little tips and ideas how to make adjustments to my finances.
    :p
  • leon103 wrote: »
    Since yesterday I have read this entire thread and enjoyed more than the current book I am reading. Well done on changing your life style. I would be interest in seeing how your monthly outgoings have changed.

    I used to read these diaries a lot in the past. I am in a fortunate position have having little debt, a mortgage and a few months left of my student loan. This has been achieved from reading threads like this and being a tight !!!!. But I always learn little tips and ideas how to make adjustments to my finances.

    Thank you, that is really nice to hear :) Congratulations on getting to the end of your student loan, it must feel like a weight is about to be lifted!
  • redofromstart
    redofromstart Posts: 5,813 Forumite
    Seventh Anniversary 1,000 Posts Photogenic Name Dropper
    Hello Duchess - nice to have you back!

    Blimey, I feel really out of it on the skincare discussion - I joined the No More Buying Toiletries thread a while back and it really helped me figure out what does/doesn't work for me and stick to it..

    I used to follow that but I was terrible for reading about other peoples products and then buying them :o. I am trying really hard to slowly use up my collection, and only replace things I have genuinely run out of but I am a sucker for ooh that sounds nice, must try some and oh look there's a nice freebie if I just buy one more thing. It was my worst spending habit actually. I have unsubscribed form all the offer emails which helps.
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