I know what you mean. I'm barely 2/3 of the way to my goal and I have saggy skin that will be a permanent reminder of my past decisions. I definitely have debbie downer days too, and I worry about what my body will look like once all the weight is off. The excess skin on my stomach right now is pretty darn scary and I still want to lose 60 lbs, it's difficult to imagine what I'll look like at my goal
I try to have a realistic image of myself at my goal weight (some seriously saggy skin on my stomach, thighs, arms, hopefully nowhere else, lol). I've had to let go of the idea that by losing weight I'll get that 'perfect' body I've always wanted. Right now I'm losing weight to be healthy. I'd rather be at a healthy weight with saggy skin than overweight with diabetes. Hopefully someday I'll be able to afford a tummy tuck and eventually wear a bikini, but until that happens I'm going to love the body I've got, saggy skin and all.