We'd like to remind Forumites to please avoid political debate on the Forum... Read More »
📨 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!
The Mental Debt Struggle...
Comments
-
You'll need to check with the Tentacled ones to check if they will let you withdraw any credit. I know we were told we didn't have enough to get any back & we were over £300 in credit at the time....but our monthly DD is £130Making the debt go down and savings go up
LBM 2015 - debt £57K / Now £28,304....its going down
Mortgage Free December 9th 2024! 18mths ahead of schedule. Since 2022 we paid over £15K in OPs.Challenges
EF #68 £550/£3000
.
Studies/surveys September £18.30
Decluttering items 1198/2025
Books read 17
Jigsaws done 11
My debt free diary...https://forums.moneysavingexpert.com/discussion/6396218/we-will-get-this-debt-d£own-the-savings-up2 -
Good plan to get your dinner earlier when you'll be going out anyway, one less thing to worry about if you know you'll both be fed that day, and hopefully a bit money saving.
And I agree a good suggestion from @LittleMissDetermined
You are very much not lazy.
I know how knackering it is having consistent pain and how much energy my body uses just to cart itself around doing basic tasks, and you have physical challenges and you're taking care of your son and now your nephew and helping your sister, and your brain must be using up so, so much energy when it's conjuring up things that aren't there, and then you need to use even more energy to try to convince it what's real... you may be too exhausted to do much at times but you certainly are not lazy!https://forums.moneysavingexpert.com/discussion/6466032/an-in-between-phase
Books read 2025: 49
Hey! Use my code GW7II3 on Eureka Surveys and unlock a short 80p survey just for signing up! https://eurekasurveys.page.link/do9nSyy8u4nikx6r62 -
As at 15.08.25:
- When bought house £315,995 mortgage debt and end date at start = October 2039 - now £232,244
- OPs to mortgage = £12,148 Interest saved £5,738 to date
Fixed rate 3.85% ends October 2030
Read 50 books of target 52 in 2025, as @ 13th September
Produce tracker: £385 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.2 -
Hello @Keedie, hope you're coping but it does sound like a tough time and maybe you just need to 'keep plodding' on till you're out the other side. I hope your sister is continuing to improve and the click she experienced in her neck last week wasn't anything to worry about.
I wanted to say thanks for your mention of the heated eye masks. I didn't think it was my sort of thing, but they are so nice to use and it seems to be easing the dry eyes, though not to the extent of tears after use!I think a bit of sunshine is good for frugal living. (Cranky40)
The sun's been out and I think I’m solar powered (Onebrokelady)
Fashion on the Ration 2025: Fabric 2, men's socks 3, Duvet 7.5, 2 t-shirts 10, men's socks 3, uniform top 0, hat 0, shoes 5 = 30.5/68
2024: Trainers 5, dress 7, slippers 5, 2 prs socks (gift) 2, 3 prs white socks 3, t-shirts x 2 10, 6 prs socks: mostly gifts 6, duvet set 7.5 = 45.5/68 coupons
20.5 coupons used in 2020. 62.5 used in 2021. 94.5 remaining as of 21/3/221 -
Hey everyone, I've been offline for a few days as I've not been feeling mentally well at all. But I'm slowly starting to bounce back. I'll read everyone's comments and respond again properly soon. Hope you're all well. xxDebt Free Diary:- The Mental Debt Struggle
(Original Debt on 15/07/2016 was £33,056.76) 🙈 but Debt Free on 09/02/2025 🎉
2025 SAVINGS: Emergency Fund (£604.30/£5,000) 12.09% saved
2025 CHALLENGES: #16 Sealed Pot Challenge ~ 18 || #9 50 Envelope Challenge 22/504 -
Thanks for checking in Keedie, I was wondering but didn’t want to hound you.Sending you hugs and smiles 🌞
KK xAs at 15.08.25:
- When bought house £315,995 mortgage debt and end date at start = October 2039 - now £232,244
- OPs to mortgage = £12,148 Interest saved £5,738 to date
Fixed rate 3.85% ends October 2030
Read 50 books of target 52 in 2025, as @ 13th September
Produce tracker: £385 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.0 -
Aww bless you, hope you start to feel better. Sometimes I think getting offline for a while is so important. I keep trying, but fail as I want to come on here and see how everyone is doing and I also have an online exercise lady I follow on FB, so I go on there to do a class and end up scrolling through all the rubbish that is really no use to me at all. I must try harder. I find too much online is starting to affect my sleep, so really trying to find ways to help that.
Take care xMaking the debt go down and savings go up
LBM 2015 - debt £57K / Now £28,304....its going down
Mortgage Free December 9th 2024! 18mths ahead of schedule. Since 2022 we paid over £15K in OPs.Challenges
EF #68 £550/£3000
.
Studies/surveys September £18.30
Decluttering items 1198/2025
Books read 17
Jigsaws done 11
My debt free diary...https://forums.moneysavingexpert.com/discussion/6396218/we-will-get-this-debt-d£own-the-savings-up1 -
@Makingabobor2, I aim to stop anything screen related an hour before I go up to bed. The volume of books I am reading, of all types, is increasing significantly 😉 and my knitting project is coming on nicely 😊
KKAs at 15.08.25:
- When bought house £315,995 mortgage debt and end date at start = October 2039 - now £232,244
- OPs to mortgage = £12,148 Interest saved £5,738 to date
Fixed rate 3.85% ends October 2030
Read 50 books of target 52 in 2025, as @ 13th September
Produce tracker: £385 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.1 -
KajiKita said:@Makingabobor2, I aim to stop anything screen related an hour before I go up to bed. The volume of books I am reading, of all types, is increasing significantly 😉 and my knitting project is coming on nicely 😊
KKMaking the debt go down and savings go up
LBM 2015 - debt £57K / Now £28,304....its going down
Mortgage Free December 9th 2024! 18mths ahead of schedule. Since 2022 we paid over £15K in OPs.Challenges
EF #68 £550/£3000
.
Studies/surveys September £18.30
Decluttering items 1198/2025
Books read 17
Jigsaws done 11
My debt free diary...https://forums.moneysavingexpert.com/discussion/6396218/we-will-get-this-debt-d£own-the-savings-up0 -
Hi @Keedie just checking in, it might be worth noting that taking out the fridge on credit, you may be able to overpay, so you can take it over 12months and send little payments over to pay it off quicker- I did this with our mattress! May not be possible though, but worth a thought!
I always love seeing your weekly update, I love the crossed out debt on there! Great work on the savings!
I hope you are starting to feel a little better, you have been doing so much recently, well done on your honesty on work appraisal!0
Confirm your email address to Create Threads and Reply

Categories
- All Categories
- 351.6K Banking & Borrowing
- 253.4K Reduce Debt & Boost Income
- 453.9K Spending & Discounts
- 244.6K Work, Benefits & Business
- 600K Mortgages, Homes & Bills
- 177.2K Life & Family
- 258.3K Travel & Transport
- 1.5M Hobbies & Leisure
- 16.2K Discuss & Feedback
- 37.6K Read-Only Boards