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

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Comments

  • I never have a bath (I always shower) so the magnesium flakes probably wouldn't work for me then.

    Getting rid of clothes that don't make you feel good is very important I think. Clothes can really affect how you feel about yourself. So it's great that you've been having a clear out Pauline :).

    You're right that spending is emotional. I always get the urge to spend if I feel a bit low. It does cheer me up in the short term to buy something new, but in the long term it causes pain if I go over my budgets frequently :o.

    It is really hard to stop spending once you start though, because spending is SO pleasurable :o.
    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 have noticed the daylight hours being longer too, even if it's still cold and wet. I think the longer daylight definitely helps make the days feel better too.

    I know you told yourself off HH but look how much you've got done! Don't be too hard on yourself x

    Thanks Wannabe :). I've been getting lots of housework and de-cluttering done, but I'm cross with myself for eating and spending too much :o.

    I was really motivated until we went to Sussex and the wedding, and then Christmas. Since then I can't seem to stop spending or eating :mad:.

    I just want to be the best version of myself that I can be.
    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 just want to be the best version of myself that I can be.

    Wonderful aspiration HHOD !

    I have a big weakness for clothes spending, but I do operate the one-in-one-out system. I bought a new dress recently and threw out 5 pairs of really ancient boots & shoes !
    The main trouble is fluctuating weight, so I 'need' clothes in more than one size. That's in addition to the fact that manufacturers' sizing is so erratic.

    I try to identify clothes I wouldn't want to wear even if I was that size again, plus anything that's itchy, creases easily, doesn't go with anything, doesn't suit my shape (even if I do love it!!), or needs mending. Just how many times do other people put on a lovely garment, only to remember an hour later that a particular seam/label/fabric just drives you mad with irritation ? But you've paid good money for it and are reluctant to let it go.


    Keep up the admirable step counts.
  • mummytogirls
    mummytogirls Posts: 6,578 Forumite
    Part of the Furniture 1,000 Posts Combo Breaker
    Youve got your half stone incentive with the jumpers there HHOD xx
    Mummytogirls x

  • HairyHandofDartmoor
    HairyHandofDartmoor Posts: 13,960 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    edited 27 January 2018 at 9:26PM
    Wonderful aspiration HHOD !

    I have a big weakness for clothes spending, but I do operate the one-in-one-out system. I bought a new dress recently and threw out 5 pairs of really ancient boots & shoes !
    The main trouble is fluctuating weight, so I 'need' clothes in more than one size. That's in addition to the fact that manufacturers' sizing is so erratic.

    I try to identify clothes I wouldn't want to wear even if I was that size again, plus anything that's itchy, creases easily, doesn't go with anything, doesn't suit my shape (even if I do love it!!), or needs mending. Just how many times do other people put on a lovely garment, only to remember an hour later that a particular seam/label/fabric just drives you mad with irritation ? But you've paid good money for it and are reluctant to let it go.


    Keep up the admirable step counts.

    Books and clothes are my spending nemeses, although I also have a weakness for mugs from D#b#nh#ms :o.

    I keep clothes in two sizes too, as just half a stone gain can make clothes too snug :mad: especially as all my weight goes around my waist so I look like a barrel instead of an hour glass :rotfl:.

    I also feel a lot more comfortable without a spare tyre, as doing up shoelaces etc becomes a lot easier when my tummy doesn't get in the way :mad:. That's really how much difference a stone makes to me :eek:.

    You're right about itchy seams and I dislike certain fabrics like polyester as I get too hot in them.

    I've done 15,993 steps, 35 floors and 27 active minutes now :D.
    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
  • Sun_Addict
    Sun_Addict Posts: 24,331 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Hey you've beat me on the steps today :)

    I keep a Frylight cap in my porridge bag - one full cap = 30g. The old style larger cap though not the thimble sized ones they're doing now :rotfl:
    I get knocked down but I get up again (Chumbawamba, Tubthumping)
  • beanielou
    beanielou Posts: 96,468 Ambassador
    Part of the Furniture 10,000 Posts Academoney Grad Mortgage-free Glee!
    Another emotional spender here :(
    Currently drinking irn-bru extreme.
    Thinking about cracking opening the smarties soon :rotfl:
    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.
  • Pass me the blue ones beanie :p Xx
    Debts @ LBM £23,729.31. Debts @ 08/04/2016 £0 :j
    Best win so far - holiday to Florida
  • Sun_Addict wrote: »
    Hey you've beat me on the steps today :)

    I keep a Frylight cap in my porridge bag - one full cap = 30g. The old style larger cap though not the thimble sized ones they're doing now :rotfl:

    Blimey it's not often I beat you on steps SA :rotfl:

    It's a good idea to have a measure, it's so easy for the portion sizes to grow.
    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
  • beanielou wrote: »
    Another emotional spender here :(
    Currently drinking irn-bru extreme.
    Thinking about cracking opening the smarties soon :rotfl:

    Not so keen on irn-bru, but smarties I love :drool:

    I'm on the cider now :D
    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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