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Frugal, thrifty, make do, mend! Let this debt come to an end!
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That’s a lot to get your head around. Take it easy.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.2 -
This doesn’t read as a moan. It reads as life throwing you a health related curved ball, and it landing as something of a shock, as it would with anyone!I would wait before making too many plans until you get your actual results. If motivation is difficult to lose weight then a local group might help there with the benefit of making some local friends? I hear you on the already changed your diet quite a bit and taking a lot of exercise, but at least that means you won’t have as many habits to change as others.Hope you have a lovely weekend with daft dog and your friends 😊
KKAs at 15.04.25:
- When bought house £315,995 mortgage debt and end date at start = October 2039 - now £236,911
- OPs to mortgage = £11,338 Interest saved £5225 to date
Fixed rate 3.85% ends January 2030
Read 22 books of target 52 in 2025, as @ 3rd May
Produce tracker: £41 of £300 in 2025
Watch your thoughts, they become your words.
Watch your words, they become your actions.Watch your actions, they become your reality.4 -
Can you not see your results in the nhs app ?
Michael Mosley did a book about reversing type 2 diabetesSealed pot challenge 822
Jan - £176.66 :j4 -
The Michael Moseley blood sugar diet book is one I used when reining in diabetes a bit. I lost a stone and a half, reduced meds and a year later was still a stone lighter which was unheard of for me. It operates on the same principle as the Newcastle study. It really can make a difference albeit that it was a struggle. One day I even bought a sausage roll, peeled off the pastry and just ate the filling to satisfy a craving.Mortgage at 01.01.14 £119,481.83:eek: today £0 Emergency fund £5.5/5.5k & £200/200 cash.:jWeight 24/02/19 14st 7lb now 12st 1lb determined to stop defining myself by my mistakes. Progress not perfection.:T100%through my 1% mortgage challenge. 100% through my pb challenge.3
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It is possible that 6 months ago your results would've been worse. I hope you find the motivation you need and find a weight loss strategy that works for you!01.12.2020 - CC £16,839 / Loan £18,820 / EF £0
03.07.2023 - CC (0%) £9,859 / Loan £0 / Savings £10,1102 -
Happy Sunday Elsheba,As another poster has suggested, Michael Mosely books are worth a read. I wouldn't be surprised if I was also at risk of prediabetes. I've tried to follow his 800 cal fast in the not so distant past and its not as bad as it sounds.2025 financial goals & challenges!
1). Mortgage (started Jan 2024) £109,339.56 / £122400. Overpayment total: £793.92 (Inc Sprive yr 1 o/p £19.16) Equity 23%
2). #7 Save 1p a day challenge 2025 £100/£780
3). £1908.13/£3000 in Investment ISA (33/50 investments)
4). Increase cash savings & saving pots
5). Keep debt to a minimum.
Favourite quote: 'Life is like a box of chocolates, you never know what you're gunna get!' Forrest Gump4 -
missymoo81 said:Hey I’m loving your plans, best to have plans to see what is possible. You definitely have a lot to think about and plan, but all positive.Oooh please may you share the YouTube video for cutting layered curly hair! Mine is the same. As I’m in desperate need of a cut and don’t want to pay the £100 it normally costs for a cut and dye. I’ve been dying it myself anyway. Thank you!Live the good life where you have been planted.
Fashion on the Ration Challenge 2022 - 15 carried over. Fashion on the Ration Challenge 2023 - 6 carried over. Fashion on the Ration Challenge 2024 - oops! My Frugal, Thrifty Moneysaving Diary1 -
Queen_of_the_Hive said:Hey Elshiba,Love the plans to move to Scotland, wouldn't mind doing something similar. Am currently living in a terrace house that needs a facelift on the East Yorkshire Coast having moved from London last year. I do go back there pretty much every two weeks but stay in budget hotels and take the train. Its costing me a lot of £££ though, but don't have the choice atm due to personal circumstances.I don't know the offers system but assume as you are from Scotland you have this captured in your forcasting. I recall watching a very old episode of Loca x 3 and the couple on the hunt had totally got the offers system wrong and were very dissapointed with what was realstically in their budget.Having lived a bit of the middle age woman "modern nomad" in my trips to London, I know if you want something to work you'll find a way to make it work. Good luck and best wishes. Exciting times ahead!
I have read through the MSE guide of buying houses in Scotland and put together a worst case budget based on that. I'll need to revisit it when I'm closer to buying a house of prices will have risen no doubt.
Live the good life where you have been planted.
Fashion on the Ration Challenge 2022 - 15 carried over. Fashion on the Ration Challenge 2023 - 6 carried over. Fashion on the Ration Challenge 2024 - oops! My Frugal, Thrifty Moneysaving Diary2 -
fionaandphil said:Glad to hear you are okay and feeling better. LIfe just gets in the way sometimes and writing a blog is probably way down the list! I also sat outside with a coffee at the weekend while doing the garden and got loads of washing dry. You forget how much it lifts your spirits to be outside on warm spring days after the winter months.
I think the key to the hedge cutting is that you have the cable over your shoulder so it doesn't get caught by the blade.
Maybe you're not meant to sell your car and the reason you can't find one is that you're not meant to. I know you've budgeted it in but maybe something better is round the corner and you need the car you already have?! Anyway, enjoy the rest of your busy week and lets hope this forecast cold weather is over quickly.
I'm not sure with the car. I don't have any strong feelings I need to keep it. The problem is I can't decide what new car I actually want, or find one at the right price. I'll keep looking and see how it goes.Live the good life where you have been planted.
Fashion on the Ration Challenge 2022 - 15 carried over. Fashion on the Ration Challenge 2023 - 6 carried over. Fashion on the Ration Challenge 2024 - oops! My Frugal, Thrifty Moneysaving Diary2 -
KajiKita said:I got put into tablet HRT straight off and they seem to work fine.Eeek! 😦 to the cable cutting! I assume you had an RCD at the other end of the cable …?Good luck with the car / funds juggling to net that £1K - it’s a bit of work but sounds very worth it 😊
KKLive the good life where you have been planted.
Fashion on the Ration Challenge 2022 - 15 carried over. Fashion on the Ration Challenge 2023 - 6 carried over. Fashion on the Ration Challenge 2024 - oops! My Frugal, Thrifty Moneysaving Diary1
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