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The Mental Debt Struggle...

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  • Makingabobor2
    Makingabobor2 Posts: 4,282 Forumite
    1,000 Posts Third Anniversary Photogenic Name Dropper
    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 £130
    Making 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-up


  • PennysIntoPounds
    PennysIntoPounds Posts: 4,602 Forumite
    1,000 Posts Second Anniversary Photogenic Name Dropper
    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

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  • KajiKita
    KajiKita Posts: 8,063 Forumite
    1,000 Posts Fourth Anniversary Name Dropper Photogenic
    Listen to @PennysIntoPounds, she knows of what she speaks … 😊 Agree - not lazy! 

    KK
    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. 
  • Cherryfudge
    Cherryfudge Posts: 13,521 Forumite
    Part of the Furniture 10,000 Posts Name Dropper
    edited 14 May 2024 at 1:04PM
    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
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  • Keedie
    Keedie Posts: 2,886 Forumite
    Ninth Anniversary 1,000 Posts Photogenic Combo Breaker
    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. xx
    Debt 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 22/50
  • KajiKita
    KajiKita Posts: 8,063 Forumite
    1,000 Posts Fourth Anniversary Name Dropper Photogenic
    Thanks for checking in Keedie, I was wondering but didn’t want to hound you. 
    Sending you hugs  and smiles 🌞

    KK x
    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. 
  • Makingabobor2
    Makingabobor2 Posts: 4,282 Forumite
    1,000 Posts Third Anniversary Photogenic Name Dropper
    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 x
    Making 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-up


  • KajiKita
    KajiKita Posts: 8,063 Forumite
    1,000 Posts Fourth Anniversary Name Dropper Photogenic
    @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 😊

    KK
    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. 
  • Makingabobor2
    Makingabobor2 Posts: 4,282 Forumite
    1,000 Posts Third Anniversary Photogenic Name Dropper
    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 😊

    KK
    Yes, this is what I try and do and then quite often I fail...lol. I just check the weather or the news and then end up scrolling on Vinted...."just in case"....lol    I do read a lot, which does help. 
    Making 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-up


  • 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!
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