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Onwards and the debt goes downwards!

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  • beanielou
    beanielou Posts: 95,597 Ambassador
    Part of the Furniture 10,000 Posts Academoney Grad Mortgage-free Glee!
    Stunning 🤩 
    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.
  • weenancyinAmerica
    weenancyinAmerica Posts: 2,022 Forumite
    1,000 Posts Fourth Anniversary Photogenic Name Dropper
    Wonderful picture - loved it.
  • lucielle
    lucielle Posts: 11,509 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    I did brush the dogs and stone picked the top soil plus chopped OHs hair. 
    I’ve made an appointment at the docs for Thursday. I am so tired and my joints ache. I think it might be to do with the menopause. I haven’t had a period since March (hallelujah) though you can bet I’ll have one on holiday!  I don’t know anyone on HRT and welcome anyone’s suggestions. I really don’t feel myself and have the energy levels of a slug, a slug that was squashed 3 weeks ago. 
    L
    Total Debt Dec 07 £59875.83 Overdrafts £2900,New Debt Figure ZERO !!!!!!:j 08/06/2013
    Lucielle's Daring Debt Free Journey
    DFD Before we Die!!!! Long Haul Supporter #124
  • beanielou
    beanielou Posts: 95,597 Ambassador
    Part of the Furniture 10,000 Posts Academoney Grad Mortgage-free Glee!
    A slug that was squashed 3 weeks ago 😹
    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.
  • EssexHebridean
    EssexHebridean Posts: 24,424 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Good plan to make a Dr's appointment - and to look at HRT as well. I was on it until the start of the year but am off again at the moment as it was giving me some problems with my fibroids - thoroughly looking forward to being able to go back on it again in a few months too, you forget what a difference it makes! I'd 100% advocate for it as long as there are no genuine medical reasons you can't - don't be put off by a GP trying to tell you that it increases cancer risk - other than in a small subset of people it really doesn't by any significant amount, and the health benefits (and the quality of life benefits!) far outweigh any risk there is. Try and do some reading from reliable websites first - the NHS site is a good place to star, and if you prefer going for the patches (generally reckoned to be the safest form) then push for those too. 
    🎉 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
    £100k barrier broken 1/4/25
    SOA CALCULATOR (for DFW newbies): SOA Calculator
    she/her
  • theoldmansmrs
    theoldmansmrs Posts: 47 Forumite
    Seventh Anniversary 10 Posts Name Dropper
    Long time lurker here - Hi!  🙋‍♀️

    I agree with EssexHebredian - the difference HRT makes is unbelievable.

    I started with the gel and, to be honest, I felt like I was basting a turkey every morning (which is not a great feeling when you don't feel great about yourself).
    Despite slathering myself with the gel, my absorption rate was not great so I moved on to patches and they make such a difference.

    I was really lucky that I spoke with a sympathetic GP, at a time in my life where things were awful and the symptoms were exacerbating already difficult circumstances. The GP told me to have a good think about considering HRT, after going through a lot of information with me and determining I was not high risk of getting cancer. For me it was a no brainer so I walked out of the consultation with my prescription for HRT. 

    I regularly tell people to "slap on a patch" if there is no reason they cannot use HRT. It really is a life changer!

  • lucielle
    lucielle Posts: 11,509 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Thanks so much for posting. I feel lucky that I haven’t had the hot flushes. I just don’t feel like me. I hope I’m seeing the right doctor, the lady doctor I saw last time wasn’t very helpful. Part of me thinks I should suck it up and get on with it, which is my normal default mode. 
    Going to try on my holiday clothes when I get back. Need to check what fits, hopefully it all will be ok as there is zero in the clothes pot as I wiped it out and then some getting my hiking boots and shoes last month. 
    L
    Total Debt Dec 07 £59875.83 Overdrafts £2900,New Debt Figure ZERO !!!!!!:j 08/06/2013
    Lucielle's Daring Debt Free Journey
    DFD Before we Die!!!! Long Haul Supporter #124
  • lucielle
    lucielle Posts: 11,509 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Had a great chat at the doctors. He took some bloods and I go back in a couple of weeks. I might be able to lower the dose of some of the meds I take. He’s going to look into HRT in the meantime. 

    Tried on holiday clothes and then ended up going through the rest of the wardrobe. I’ve got a small pile of clothes to go on vinted, which DD2 said she’d list for me. I’ll take them down when I head south in July 
    L
    Total Debt Dec 07 £59875.83 Overdrafts £2900,New Debt Figure ZERO !!!!!!:j 08/06/2013
    Lucielle's Daring Debt Free Journey
    DFD Before we Die!!!! Long Haul Supporter #124
  • Sarahwithlove
    Sarahwithlove Posts: 3,344 Forumite
    Seventh Anniversary 1,000 Posts Name Dropper
    That's good news about GP at least it sounds like they are going to help
    *Dad loan - £5300 - £7200
    *Virgin Credit Card - £3552.50 - £0
    *Natwest - £1828.35 -£0.00

    Barclaycard - £2315.25 - £0.00

    Creation Finance - £960.32 £840
    *Total debt - £8040/£11641.17*


    Savings
    *Savings Buffer - £100/£1500
    *Emergency Fund - £1500/£1500


    New diary- https://forums.moneysavingexpert.com/discussion/6474943/the-three-cs-coffee-clothes-credit-cards/
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