We’d like to remind Forumites to please avoid political debate on the Forum.
This is to keep it a safe and useful space for MoneySaving discussions. Threads that are – or become – political in nature may be removed in line with the Forum’s rules. Thank you for your understanding.
📨 Have you signed up to the Forum's new Email Digest yet? Get a selection of trending threads sent straight to your inbox daily, weekly or monthly!
Finally Debt Free After 34 Years, But Still Need to Live Frugally
Comments
-
HairyHandofDartmoor wrote: »Food and eating is certainly a bit of a minefield recently with lots of conflicting advice from doctors, nutritionists, the media, etc. It's no wonder so many people don't know what is healthy and what isn't.
I personally think about how foods make my body feel. Which is why I avoid alcohol and eat very little sugar. Having said that a small amount of alcohol and a small amount of sugar don't make me feel bad, but if I drink a whole bottle of wine and eat a family bar of chocolate then my body feels very bad indeed :eek:. So everything in moderation is a good guide. I like to keep things simple.
The body - and especially the brain IIRC - actually need an amount of sugar to function well. Ideally they would probably prefer to get it from fruits and veggies, dairy products etc rather than refined or free sugars in chocolate and similar, but regardless, that small amount of sugar IS needed. If you try to cut out sugar almost entirely - as many people do because they believe it is addictive (it's not) or evil in some way (Again, it's not!) that almost invariably leads to the body craving it - which is then put down to "not having enough willpower" - when in fact it's really the body desperately trying to say that it needs a particular nutrient.I think your posts on this have been fascinating. I'd definitely like to know more.
It can be a total minefield trying to work out who really knows their stuff on this subject I think - Dr Joshua Wolrich who I mentioned previously is excellent. Also Lucy Mountain on instagram - lots of sense talked there and she's also very funny. There is also a chap on Insta Alan Flanagan I think his name is - he posts under The Nutritional Advocate but his stuff is rather more technical and I struggle a bit digesting (pardon the pun!) it - I find him better diluted by someone else in the form of a podcast. (The Cut Through Nutrition podcast is an excellent one for learning a bit more on the subject, too).HairyHandofDartmoor wrote: »I agree that EssexHebridean posts on food are very interesting.
Thank you lovely - the more you learn the more you find you read things that make you say "aaargh"! - good for self-awareness around food-based myths though, if nothing else.
Very glad you got that coat sorted out - what great customer service that was!🎉 MORTGAGE FREE (First time!) 30/09/2016 🎉 And now we go again…New mortgage taken 01/09/23 🏡
Balance as at 01/09/23 = £115,000.00 Balance as at 31/12/23 = £112,000.00
Balance as at 31/08/24 = £105,400.00 Balance as at 31/12/24 = £102,500.00
Balance as at 31/08/25 = £ 95,450.00
£100k barrier broken 1/4/25SOA CALCULATOR (for DFW newbies): SOA Calculatorshe/her0 -
Hi HHoD, I managed to get my flu jab too this week. I had to postpone my first one as Mr F needed the car after all, as he had to go into work unexpectedly to deal with implementing flood emergency plans. But I've been jabbed now & am happy to pay £12 for this. I am too young for a free one but having suffered flu three years running at age 50, 51 & 52, after practically my entire life flu-free, I've decided it is well worth the money for a bit of protection. I don't think I've ever felt so ill!
I had mine done at a small pharmacy in town & while I was waiting, I was looking around at what they were selling. I was interested to see that there were some products I buy priced at less than I've been paying in a well known very large chain. Must remember this!
Anyway, let's hope we'll both avoid the flu now, HHoD,
F x
I certainly hope so! The year before last I had a flu jab and still caught flu :mad:.That's great that you got a refund for the coat and managed to find another one.
Your Saturday sounds very productive and some days coffee and cake is actually very essentialxx
Thanks TF2.
Happy new jacket
Thanks 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 MONTHS0 -
elizabethhull wrote: »That's wonderful you got the refund, and how sensible to have kept the receipt.
As beanielou said, Happy New Jacket !!
Thanks Elizabeth.
Pleased you got your jacket sorted. I think I’ll be in for a shock when I go back to work in December (hopefully) the last time I did a dinner time playground duty was May when we were trying to find shade from the sun :eek::eek: I’ll need to wrap up me thinks....
Enjoy the rest of your weekend.
Thanks Milann.
Sun_Addict wrote: »Great result from returning the coat, must've been faulty fabric for that to happen. Always worth keeping receipts for the first year at least.
Have a lovely Sunday xx
Thanks SA.
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 MONTHS0 -
Sunshine_girl2 wrote: »Glad to hear you got a refund on your coat and found another suitable one. Flu jab done as well , so a good day yesterday.
Hope you have had a relaxing rom com Sunday ..
EssexHebridean wrote: »The body - and especially the brain IIRC - actually need an amount of sugar to function well. Ideally they would probably prefer to get it from fruits and veggies, dairy products etc rather than refined or free sugars in chocolate and similar, but regardless, that small amount of sugar IS needed. If you try to cut out sugar almost entirely - as many people do because they believe it is addictive (it's not) or evil in some way (Again, it's not!) that almost invariably leads to the body craving it - which is then put down to "not having enough willpower" - when in fact it's really the body desperately trying to say that it needs a particular nutrient.
It can be a total minefield trying to work out who really knows their stuff on this subject I think - Dr Joshua Wolrich who I mentioned previously is excellent. Also Lucy Mountain on instagram - lots of sense talked there and she's also very funny. There is also a chap on Insta Alan Flanagan I think his name is - he posts under The Nutritional Advocate but his stuff is rather more technical and I struggle a bit digesting (pardon the pun!) it - I find him better diluted by someone else in the form of a podcast. (The Cut Through Nutrition podcast is an excellent one for learning a bit more on the subject, too).
Thank you lovely - the more you learn the more you find you read things that make you say "aaargh"! - good for self-awareness around food-based myths though, if nothing else.
Very glad you got that coat sorted out - what great customer service that was!
Thanks EH. I think it would be very hard to avoid sugar completely as it's in almost everything, but I agree that refined sugar is not easy for the body to process. I feel as though natural fruit sugars, etc, must be healthier than refined sugar. I've followed Dr Joshua on Insta and I'll look out for Lucy Mountain.
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 MONTHS0 -
Yesterday I did absolutely nothing. I just ironed my work clothes and read a book all day. But that was all I felt like doing.
Today at school was fine. I felt a bit woolly headed but I've still got my cough so that's probably not helping. I don't seem to have any ill effects from the flu jab. I wish I could be innoculated against all the other viruses at school :mad:. Today a boy sneezed in my face and then was sick later on, so I hope I don't catch a sickness bug :eek:.
I didn't go to Pilates tonight as I want to get over my cough and my friend didn't go. At least it was £6 saved. I did spend £20 at school today on pre-payment of a Christmas meal at a restaurant that someone is booking for staff to attend if they want to. I thought it would be good to go and get to know the other staff better, although I can't really afford the money at the moment. Maybe it will encourage them to offer me a job.
Tomorrow I need to transfer some money out of my emergency fund so that we can pay the mortgage. Anyway hopefully DH will get some work in soon.
I hope everyone has had a good Monday.
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 MONTHS0 -
It can only help to be seen as part of the "team".
Re the chocolate, I used to be able to eat a 3lb box of chocs at a sitting (I left 6 I didn't like but started on a 2lb box to make up for it). Now a couple of chocs have me sneezing my head off. I would love to know if it is just me getting a lot more allergies or if they have actually changed the way (formula) they make the chocolate.0 -
It can only help to be seen as part of the "team".
Re the chocolate, I used to be able to eat a 3lb box of chocs at a sitting (I left 6 I didn't like but started on a 2lb box to make up for it). Now a couple of chocs have me sneezing my head off. I would love to know if it is just me getting a lot more allergies or if they have actually changed the way (formula) they make the chocolate.
That's interesting Badmemory. I wonder if they have changed the formula. Or could it be that your body processes sugar differently as you get older? Or it could be allergies. We do seem to be getting more allergic to food in general, possibly due to environmental reasons.
When I was still drinking I definitely found my tolerance for alcohol was lower as I got older and more than one glass of wine would make me feel quite rough the next day.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 MONTHS0 -
Enjoy the staff meal - it’ll be good to see the ‘other’ side of staff when they aren’t with the children and are relaxing.January spends - £587.580
-
Happy new coat and yay to lovely shop staff and a full refund
Enjoy the staff meal, it will be lovely to see how they are outside of school x0 -
My body has changed over time with the way it copes with Red wine - I used to avoid it like the plague as it invariably made me feel rough, then went through a patch where I could drink it with no issues, and now I'm back to a single glass leaving me feeling yuck the next day.
Hopefully you won't catch anything from the little delight who sneezed in your face. Assuming you don't then I'd suggest that his being sick was Karma for not having the manners to cover his face when he sneezed...I know - all heart, me, eh?! :rotfl:
🎉 MORTGAGE FREE (First time!) 30/09/2016 🎉 And now we go again…New mortgage taken 01/09/23 🏡
Balance as at 01/09/23 = £115,000.00 Balance as at 31/12/23 = £112,000.00
Balance as at 31/08/24 = £105,400.00 Balance as at 31/12/24 = £102,500.00
Balance as at 31/08/25 = £ 95,450.00
£100k barrier broken 1/4/25SOA CALCULATOR (for DFW newbies): SOA Calculatorshe/her0
Confirm your email address to Create Threads and Reply

Categories
- All Categories
- 351.9K Banking & Borrowing
- 253.5K Reduce Debt & Boost Income
- 454.1K Spending & Discounts
- 244.9K Work, Benefits & Business
- 600.5K Mortgages, Homes & Bills
- 177.4K Life & Family
- 258.7K Travel & Transport
- 1.5M Hobbies & Leisure
- 16.2K Discuss & Feedback
- 37.6K Read-Only Boards