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Finally Debt Free After 34 Years, But Still Need to Live Frugally

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Comments

  • jwil
    jwil Posts: 22,375 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    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!

    Thank you. There is so much conflicting information out there, it's so difficult to know what is true.
    "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
  • milann wrote: »
    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.
    Yes I'm hoping it's a good move and I was pleased to be invited.
    Happy new coat and yay to lovely shop staff and a full refund :D

    Enjoy the staff meal, it will be lovely to see how they are outside of school x
    Thanks Purplemum yes it will be interesting.
    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
  • 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:

    That particular boy is a little terror so it may be karma :rotfl:. They're terrible for not covering their faces when they cough or sneeze :eek:. They're not too good at using soap either :eek:. But part of our job seems to be training a minority of them in how to behave socially. On the whole though I'm impressed with how well brought up and well behaved they are.
    jwil wrote: »
    Thank you. There is so much conflicting information out there, it's so difficult to know what is true.

    I think The Fitness Chef on FB is good for calling out BS and amusing too.
    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
  • I felt a bit sad about my Mum this morning, but then I went to school and played tag and I spy with the children at lunchtime, then supervised them drawing and labelling bats in the afternoon. It's hard to feel sad while doing that :).

    This morning I used some of my EF money to pay the mortgage :(. I also put some laundry on to wash. So quite a productive day. It's so lovely having a spell of dry weather, I really hope it lasts :).
    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
  • Glad the day helped you feel better about your mum. It mist be so tough trying to cope with everything that you are.

    I hope DH gets some work in soon too. x
    September 2017 Debt = £25330

    Starting afresh.

    You can do anything if you put your mind to it. x
  • Thank you Nicnak :).
    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
  • I wish my body reacted differently to large piggy amounts of unsuitable food ! Regrettably I can eat as much as I always did, but am less likely to work it off !!
    My only saving grace is that I have never liked the taste of (uncooked) alcohol, so am t/t by taste rather than a moral stance.

    Hope you've not had the cold nights we've had recently. Are you waiting for December to put some heating on, that's what you did last year didn't you ?
  • My Mum is exactly the same as you on the alcohol front Elizabeth!
    🎉 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 1/4/25
    SOA CALCULATOR (for DFW newbies): SOA Calculator
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  • HairyHandofDartmoor
    HairyHandofDartmoor Posts: 13,960 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    edited 20 November 2019 at 6:00PM
    I wish my body reacted differently to large piggy amounts of unsuitable food ! Regrettably I can eat as much as I always did, but am less likely to work it off !!
    My only saving grace is that I have never liked the taste of (uncooked) alcohol, so am t/t by taste rather than a moral stance.

    Hope you've not had the cold nights we've had recently. Are you waiting for December to put some heating on, that's what you did last year didn't you ?

    I find alcohol doesn't agree with me. It tastes lovely and makes me feel good while I drink it, but later on that evening and the next day I don't feel too good :(.

    We've been forced to put the heating on in November Elizabeth as we were wearing outdoor coats, gloves, blankets and still feeling cold. If DH is too cold to work then the heating has to go on unfortunately.
    My Mum is exactly the same as you on the alcohol front Elizabeth!
    I think as people get older it can be more difficult for their bodies to process alcohol.
    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
  • School was fine today and I felt a bit more with it, probably because I slept well. My new coat kept me warm in the playground :). I'm still coughing though sadly. I managed to dodge the cakes in the staffroom again :eek:. Luckily I don't usually feel hungry when I'm working.

    When I got home I had lunch and then forced myself to carry on with my assignment. I would much rather have relaxed on the sofa :o. This assignment feels never ending but I've finally finished the health and safety part of it (nearly 5,000 words later). I still have the child development part to do though, sigh. At least the second part of it should be more interesting. I didn't do any work on it last week as I felt tired and ill due to my cold, so I feel like I'm playing catch up now.

    Now I am relaxing on the sofa ;) before I have to shower and cook. There's no rest for the wicked!

    I hope everyone is having a good Wednesday :).
    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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