We’d like to remind Forumites to please avoid political debate on the Forum.
This is to keep it a safe and useful space for MoneySaving discussions. Threads that are – or become – political in nature may be removed in line with the Forum’s rules. Thank you for your understanding.
📨 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!
Watty's Awakening
Comments
- 
            Still on hols but last day in the highlands before returning to my Mum's in the lowlands and I can't resist chipping in having caught up on 43 posts (!)- Hair thinning is often caused by testosterone with different people having different predispositions and reactions to the hormone DHT (dihydrotestosterone). As we reach or pass menopause the natural balance of oestrogen, progesterone and testosterone all change, so if you are genetically predisposed to hair loss, the change in levels can make hair thinning more likely as DHT shrinks hair follicles, leading to thinner, shorter hair and eventually hair loss. The extent of hair loss depends on a genetic sensitivity to DHT, not just the total amount of testosterone. In some cases, such as testosterone therapy, in women, it can even promote hair growth, highlighting how individual it can be. Lots of people swear by saw palmetto that is believed to block DHT. Blood tests can determine the amount of DHT in your blood but not your genetic predisposition to its' impact, which would need full genetic testing.
- Strong nails - @slinky avocado oil rubbed into the nailbed regularly, has helped mine. I have two nails that are damaged (one trodden on at infants school and one accidentally shut in the boot of my car - don't ask!) which both split vertically just off-centre and it definitely helps. I've bought a bottle from the supermarket and transferred some to a small bottle (the rest is a nice salad dressing!). My friend was advised to do this (she has thyroid issues) and it helped her too
- Planning permission ensured the value of our garden sale was increased - the previous owner had been declined in a pre-planning application and successfully appealed it (the planners made the garden an area of visual amenity) but the appeal wasn't upheld until three years after we bought the house. We got a set of plans through having approached a local architect to test with the planners before we spent the money. The person who built the two houses resubmitted plans that were for two slightly bigger houses, maintaining the style features like roof-line, render colour and proximity to the road
 Save £12k in 2025 #2 I am at £10,020.92 out of £6000 after September
 OS Grocery Challenge in 2025 I am at £2234.63/£3000 or 74.49% of my annual spend so far (not going to be much of a Christmas at this rate as no spare after 9 months!
 I also Reverse Meal Plan on that thread and grow much of our own premium price fruit and veg, joining in on the Grow your own thread
 My new diary is here5
- 
            Interesting @Suffolk_lass (hope holiday is fun) Saw palmetto was one thing I have not tried in the journey to get to the point of giving up and just going for the additional hair to clip in, but I have tried a lot. Hair loss for women seems something that is just not really talked about. One private hormone doctor I saw said it was one of the hardest things to fix and often could not be despite her best efforts.
 The planning permission all seems a bit unreal as whilst it remained on my vision board and I thought about it and I did the research I think it seemed an out there dream. As I look at the pictures on my wall I really do want to build it and live in the unit we designed. However the roads and lack of off road places to go and the approach of local farmers has slowly changed so much in the last 20 years that this is not my dream location anymore. Getting the permission will however increase the value of the land substantially.
 I need to stick to the one step at a time approach to this. Next step is the letter, the one after than, appoint a professional to submit the application to the council. I need do no more than that.Made it to mortgage free but what a muddle that became
 In the event the proverbial hits the fan then co-habitees are better stashing their cash than being mortgage free !!7
- 
            One step at a time, its not committing you to do anything in your current location yet the plans could end up being used if you get somewhere else22: 3🏅 4⭐ 23: 5🏅 6 ⭐ 24 1🏅 2⭐ 25 🏅 🥈⭐ Never save something for a special occasion. Every day is a special occasion. The diff between what you were yesterday and what you will be tomorrow is what you do today Well organised clutter is still clutter - Joshua Becker If you aren't already using something you won't start using it more by shoving it in a cupboard- AJMoney The barrier standing between you & what youre truly capable of isnt lack of info, ideas or techniques. The secret is 'do it'6
- 
            Sunday evening. Have just been to the garage m&s and bought a ready made lasagne to shove in the oven. Have spent the weekend being exhausted. This cold has really knocked me out, if the ulcers in my mouth clear by morning I will feel I on the mend. (Ulcers, tongue, who ever heard of such a thing with a bug).
 Have binge watched netflix and am planning an early night with more of the same.Made it to mortgage free but what a muddle that became
 In the event the proverbial hits the fan then co-habitees are better stashing their cash than being mortgage free !!6
- 
            Hope you are on the mend soon.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.5
- 
            Hope you turn the corner to feeling better soonIf you have built castles in the air, your work should not be lost; that is where they should be. Now put the foundations under them
 Emergency fund 3501000
 Buffer fund 0/100
 Debt Free (again) 25/0720254
- 
            Ulcers anywhere in my mouth are a standard sign of me being run down / my immune system struggling with something. Upping my vitamin C supplement for a few days often helps 😊
 Hope you rest well tonight and feel brighter tomorrow.
 Thanks for the avocado oil suggestion @Suffolk_lass, I’m off to try some! 😊
 KKAs at 15.10.25:
 - When bought house £315,995 mortgage debt and end date at start = October 2039 - now £229,702
 - OPs to mortgage = £12,345 Estd. interest saved = £5,863 to date
 Fixed rate 3.85% ends October 2030
 Read 60 books of target 52 in 2025, as @ 30th October
 Produce tracker: £426 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
- 
            Get well soon. Hope WattyDog is looking after you 3 3
- 
            Yes, go Nurse Wattydog!4
- 
            Try to get some rest. I hope you feel better soon.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 21/3/224
Confirm your email address to Create Threads and Reply
 
Categories
- All Categories
- 352.2K Banking & Borrowing
- 253.6K Reduce Debt & Boost Income
- 454.3K Spending & Discounts
- 245.3K Work, Benefits & Business
- 601K Mortgages, Homes & Bills
- 177.5K Life & Family
- 259.1K Travel & Transport
- 1.5M Hobbies & Leisure
- 16K Discuss & Feedback
- 37.7K Read-Only Boards

 
          
         
 
         
 
          
         

