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Baby steps to mortgage freedom for beanielou.
Comments
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I don’t want to to do myself a mischief indeed.Cheery_Daff said:Is it possible to ring the surgery and see if they can swap your time given the circumstances? Or even if someone can pop round to the house?? I realise it might be unlikely but you don't want to do yourself a mischief xxOur practice is all online.You can’t phone them as they won’t deal with you on phone or in person to make an appointment. XxI 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.
One debt remaining. Home improvement loan. 9 months left.3 -
I hope you manage to sort something for your appointment. Is it something a community nurse might be able to come and do for you?"Good financial planning is about not spending money on things that add no value to your life in order to have more money for the things that do". Eoin McGee2
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I don’t think so.jwil said:I hope you manage to sort something for your appointment. Is it something a community nurse might be able to come and do for you?I managed to cancel the appointment by phone but have to make the new one online. Sigh.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.
One debt remaining. Home improvement loan. 9 months left.4 -
That’s crazy since you were there on the phone already. Hope you don’t have to wait too long.January spends - £587.584
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Hope you don't have to wait too long for a new appointment (((((((((((((hugs))))))))))
Debt Busting Again in 2026
Starting Debt 03.05.26 £5345. Total 29.10.26 £2650
Challenge 1 - Clear M&S Card: Starting Balance 03.05.26 £600, cleared 05.07.26
Challenge 2 - Clear V12 Finance: Starting Balance 05.07.26 £600, cleared 12.08.26
Challenge 3 - Clear Barclaycard: Starting Balance 12.08.26 £940, cleared 29.10.26
Challenge 4 - Clear Tesco CC: Starting Balance 29.10.26 £2650
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Hugs. Sounds poor service.Achieve FIRE/Mortgage Neutrality
1) MFW Nov 21 £202K now £165K Equity 38.88% 6/9/26
2) £1.5K Net savings after CCs 29/8/26 (but owed £130) so £1.6K
3) 47/82K @29/8/26 = 57.31% AVC Goal by mid 20283 -
My Mum (also in Scotland) had to get my Sis to phone and say she is housebound in winter, so now the nurses come to dress the latest leg wound (her car door this time) and for her vaccinations to give these at home. If the injection is pain relief they are usually into muscle, so even a single nurse can give them on her own (they come in pairs to take bloods)beanielou said:
I don’t think so.jwil said:I hope you manage to sort something for your appointment. Is it something a community nurse might be able to come and do for you?I managed to cancel the appointment by phone but have to make the new one online. Sigh.Save £12k in 2026 #2 I have banked £10,836.47 in 9 months, against a £10k target The Save £12k in 2026 thread is here
OS Grocery Challenge in 2026 I have a £3000 annual budget for 2026 - currently £2270.73 to the end of Oct
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 in 2027 thread brand new and sparkling - feel free to join us and say what and how you are planning
My keep within our budget diary is here3 -
Thanks for that.Suffolk_lass said:
My Mum (also in Scotland) had to get my Sis to phone and say she is housebound in winter, so now the nurses come to dress the latest leg wound (her car door this time) and for her vaccinations to give these at home. If the injection is pain relief they are usually into muscle, so even a single nurse can give them on her own (they come in pairs to take bloods)beanielou said:
I don’t think so.jwil said:I hope you manage to sort something for your appointment. Is it something a community nurse might be able to come and do for you?I managed to cancel the appointment by phone but have to make the new one online. Sigh.Interesting to know.I now have another appointment for next week.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.
One debt remaining. Home improvement loan. 9 months left.3 -
Hope you now have a new appt, how is the weather with you today ?Life is an adventure, never stop exploring.2
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I only slept for 4 hours last night. Bah.Not as tired as I thought I would be so far.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.
One debt remaining. Home improvement loan. 9 months left.3
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