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This Time I'm Really Going To Do It

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  • daisy_1571
    daisy_1571 Posts: 2,122 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Combo Breaker
    Lovely post, reread these types of posts if you have a little dip or a decision feels hard.

    Daisy xxx
    22: 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'
  • Watty1
    Watty1 Posts: 6,865 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Combo Breaker
    WattyDog ate a rabbit on his walk.   He caught it himself and then ate it.  The ball he was playing with has long gone.  I am giving up on dog toys for walks.   I fully understand the dangers to both WattyDog and my premium bond emergency pot (£10,000) but WattyDog is going through toys quickly!
    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 !!
  • Slinky
    Slinky Posts: 11,059 Forumite
    Part of the Furniture 10,000 Posts Photogenic Name Dropper
    edited 21 April 2023 at 2:21PM
    Watty what sort of age is the dog? Would it be worth looking at insurance for him and cats? Our cat ran up a £9.5K vet bill in a week when out of the blue she was breathing heavily, turned out to be cancer in a lobe of her lung. She's recovering well but the insurance paid 80% of it less £115 excess.  A £10K pot might seem like a good contingency, but it's quickly used up in a flash with something tricky.

    We pay just under £39 a month with Petplan. It would have covered all except the excess if she were a year younger.
    Make £2025 in 2025
    Prolific £229.82, Octopoints £4.27, Topcashback £290.85, Tesco Clubcard challenges £60, Misc Sales £321, Airtime £10.
    Total £915.94/£2025 45.2%

    Make £2024 in 2024
    Prolific £907.37, Chase Intt £59.97, Chase roundup int £3.55, Chase CB £122.88, Roadkill £1.30, Octopus referral reward £50, Octopoints £70.46, Topcashback £112.03, Shopmium referral £3, Iceland bonus £4, Ipsos survey £20, Misc Sales £55.44
    Total £1410/£2024  70%

    Make £2023 in 2023  Total: £2606.33/£2023  128.8%



  • Slinky
    Slinky Posts: 11,059 Forumite
    Part of the Furniture 10,000 Posts Photogenic Name Dropper
    Is there anything that would be excluded from Watty Dog's cover if you take out a new policy? Is it possible for you to take over his existing policy if that's the case?

    Whilst 'self insurance' may seem like a good idea, we've paid less than £2k in premiums for our cat over the years, so self insuring would have seen us about £5.5K down, bearing in mind we had to pay 20% now. We're fortunate that we could have afforded it, but I never gave money a moment's thought when talking to the vet about treatment. I would hate to be in the position where we'd had to put her to sleep because we couldn't afford to pay to operate. If she hadn't had the op, she would have died 4 weeks ago.

    I really do recommend Petplan, they've been quick and easy to deal with, with no quibbles at all, and she has a covered for life policy so the same condition is not excluded after renewal.
    Make £2025 in 2025
    Prolific £229.82, Octopoints £4.27, Topcashback £290.85, Tesco Clubcard challenges £60, Misc Sales £321, Airtime £10.
    Total £915.94/£2025 45.2%

    Make £2024 in 2024
    Prolific £907.37, Chase Intt £59.97, Chase roundup int £3.55, Chase CB £122.88, Roadkill £1.30, Octopus referral reward £50, Octopoints £70.46, Topcashback £112.03, Shopmium referral £3, Iceland bonus £4, Ipsos survey £20, Misc Sales £55.44
    Total £1410/£2024  70%

    Make £2023 in 2023  Total: £2606.33/£2023  128.8%



  • Watty1
    Watty1 Posts: 6,865 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Combo Breaker
    Great feedback @Slinky  I think the equine experience put me off in that the payouts are limited and the bills are often really high so they only pay out the maximum insured or they are are just under the excess.  

    I had been thinking of the premium bond fund for the horses really but this chat has made me think cat and dog bills could also e very high and probably have a better pay out rate. I'll investigate.  
    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 !!
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