📨 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!

Prosperous soul in the making

17374767879396

Comments

  • GPs have a tendency to recommend physio, it rarely helps... if no better in the 2 weeks seek a referral for MRI, that'll give you a proper diagnosis. I had a dodgy knee end of 2018 and went to GP, he suggested physio... I work for the NHS and know the drill, so said I needed an MRI, skip the physio, skip the X-ray. He chuckled and referred me straight away. It's all about he money/funding etc.
    Having said that, I think it's great you get 2 weeks off in the meantime... love a GP sign off. I had 3 weeks off after knee op, so lovely.
    Rest up, recover and then go back and get an MRI referral for that foot
    DFD March 2025 (£35000 paid off)
    FFEF £10000/20000 saved
  • savingholmes
    savingholmes Posts: 28,974 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    It's funny. A few posts ago I suggested you take some time out but you said you were unable to. Sorry your foot is an issue but at least you now get some time out. Our bodies will force us into downtime if necessary.
    I hope the foot pain lessens.
    LOL at this - you sound like you're telling me off! I was at a critical point with some work earlier - while it is not great timing to be off work-wise it would have had more visible, high profile impact if it had been earlier. You are also right - my body has forced me to take downtime.
    I'm glad you have been to the Dr and got help, think your Dr has done the right thing with signing you off for two weeks. Please use the time to rest and not be superwoman!
    I will try.... You mean I shouldn't try to decorate with an injured foot? Seriously - DH and I went to pick up my prescription and some bits from the shop - and now despite the medication my foot and leg are really throbbing. I tend to have the attitude - that's part of my body it doesn't affect my ability to use my hands on a keyboard and my brain - but when you have sharp pains or throbbing and the painkillers don't touch it - turns out I'm wrong - who knew?
    Glad you will have some time to recover.

    6k is the total not what it would pay!!!

    Trouble I have is that the husband couldn't care less about pensions..... Anyway I told him tonight what I was planning and when he was trying to brush me off I told him I would sort mine out and he could live off the state one on his own lol! So he has agreed that we will pay more into his from sep/oct...
    Really glad you have been able to talk DH around. All of us can only start from where we are... and go forward from there.

    We've also ordered a new chair for the living room - to help me improve my posture. The current chair has kind of sunk and is too deep and badly angled - I end up using multiple cushions to help me sit straighter... DH thinks that is also part of the problem. I spotted what I wanted about 18-24 months ago and have waited since then to buy it but finally given in after he prompted me. It was fab sitting in it - I didn't want to leave It. I confess if it's as good as I think it will be we may buy a second to match - however we wanted to be able to pay cash so just bought one for now. It will delay my SIPP investment plans but as DH said - no point having money in retirement with unnecessary health issues.

    He's agreed to switch broadband to V from +net. We reckon we will save about £20 a month and it looks like it will give us cashback of around £80 - so that will offset some of the chair cost. Did I mention the chair has an electronic recliner and separately adjustable headrest so that it allows you to have your feet up while keeping your body fairly upright if you want. It supports the small of your back and your neck. I can't wait for it to come now but she said it could take up to 3 months!

    I've paid DD to help me declutter my study and take Christmas decorations down. She spent an hour freeing the banister of the green fake stuff and 2 light sets! Exactly why I didn't want to do it. She managed school for a whole week on the run! Grateful for small mercies.
    Achieve FIRE/Mortgage Neutrality in 2030
    1) MFW Nov 21 £202K now £174.8K Equity 32.77%
    2) £1.6K Net savings after CCs 14/8/25
    3) Mortgage neutral by 06/30 (AVC £25.3K + Lump Sums DB £4.6K + (25% of SIPP 1.2K) = 31.1/£127.5K target 24.4% 15/8/25
    4) FI Age 60 income target £16.5/30K 55.1%
    5) SIPP £4.8K updated 29/7/25
  • So glad to hear the dog is okay. I'm also glad you've been signed off. I think it will also give you some headspace as there is a lot going on for you at the moment.
    Total (Aug 19):€58,567 Now:€26,947
    DFD:Nov 22/June 22
    Mortgage: €199,712
    MFD: March 2042/July 2034
  • Hehe SH, I know you shouldn't be superwoman as I am living proof of what happens when you don't listen to your body and just keep going.

    Others outside of your life can see what's happening, that's why we make suggestions, we don't want to come across heavy and telling you off as this is your escape room and your safety net.

    Depending on what meds you have been given, they could need a week or so to start working, you may need a different combination.

    If you can keep off it as much as possible, try and keep it moving as seizing up is painful, light exercise (swimming is good as your body floats in water and takes the pressure off), hopefully you will be fighting fit again soon.
    Mortgage started 2020, aiming to clear 31/12/2029.
  • savingholmes
    savingholmes Posts: 28,974 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    edited 25 January 2020 at 10:31AM
    Thanks CMD and MF. I diagnosed myself before I went to the GP - he said it was what I thought. I don't know what a MRI would do for me - as unfortunately even if I needed surgery - I'm too overweight - and I doubt anyone would take the risk -especially not me. I hate hospitals at the best of times. If I needed some sort of scan - I might be able to get it through some insurance work took out on us. Just that thought alone is a bit of a wake-up call.

    I will try and get discounted membership at the local gym - and then try and go swimming while I'm off.
    Achieve FIRE/Mortgage Neutrality in 2030
    1) MFW Nov 21 £202K now £174.8K Equity 32.77%
    2) £1.6K Net savings after CCs 14/8/25
    3) Mortgage neutral by 06/30 (AVC £25.3K + Lump Sums DB £4.6K + (25% of SIPP 1.2K) = 31.1/£127.5K target 24.4% 15/8/25
    4) FI Age 60 income target £16.5/30K 55.1%
    5) SIPP £4.8K updated 29/7/25
  • We all self-diagnose as we look for answers and how to deal with things before going down the medical route. We can then say to the Dr X, Y and Z has been done before I saw you!

    Do take up swimming, for the reasons I said, it takes pressure off all your joints and even doing a gentle swim and bob around the pool is beneficial, it will complement a gym workout.

    My best mate goes to aquafit classes and a few other water based ones, said it helps her.

    The main thing is keeping your mind open, trying things but not pushing yourself and getting enough rest to give your body time to heal.
    Mortgage started 2020, aiming to clear 31/12/2029.
  • Glad you've got some time off to rest your foot and make sure you do!!

    The new chair sounds lovely, you'll enjoy it when it arrives. Well done on the savings on the broadband, all adds up to more pennies in the bank.

    H x
  • savingholmes
    savingholmes Posts: 28,974 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Thanks MF.

    Well I've been pampered at the hairdressers - my stylist always makes me laugh. I spoke to him about pensions but he is relying on inheritance as his pension - risky move with people living longer, risk of family fallouts etc!

    While eating choccy biscuits I've applied for a discounted gym programme (no irony there then) - it is likely to be £28 for 12 weeks and then a discounted rate after that. You can now self-refer rather than getting the GP to do it which is good. I might try and get DH to swap to that again - as he is paying £33 and not going! Hopefully the structure of a weekly check in with someone will help me focus on both diet and exercise. I still have loads of SW recipe books (as discussed on GAP's thread) - so don't need to rejoin. Pinch of Nom has loads of recipes anyway. Hopefully I can use the two week fit note to get back on track eating wise too. I have a delivery coming shortly.
    Achieve FIRE/Mortgage Neutrality in 2030
    1) MFW Nov 21 £202K now £174.8K Equity 32.77%
    2) £1.6K Net savings after CCs 14/8/25
    3) Mortgage neutral by 06/30 (AVC £25.3K + Lump Sums DB £4.6K + (25% of SIPP 1.2K) = 31.1/£127.5K target 24.4% 15/8/25
    4) FI Age 60 income target £16.5/30K 55.1%
    5) SIPP £4.8K updated 29/7/25
  • savingholmes
    savingholmes Posts: 28,974 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Hi Hugglemonster - we much have crossed posted. Thanks for your well wishes. All the little savings definitely add up. If DH transferred to the gym I'm joining and did the scheme - we would save £68 over the 3 month period and then save about £9 pcm thereafter.
    Achieve FIRE/Mortgage Neutrality in 2030
    1) MFW Nov 21 £202K now £174.8K Equity 32.77%
    2) £1.6K Net savings after CCs 14/8/25
    3) Mortgage neutral by 06/30 (AVC £25.3K + Lump Sums DB £4.6K + (25% of SIPP 1.2K) = 31.1/£127.5K target 24.4% 15/8/25
    4) FI Age 60 income target £16.5/30K 55.1%
    5) SIPP £4.8K updated 29/7/25
  • savingholmes
    savingholmes Posts: 28,974 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    DH has agreed to do it - but will need to ring up on Monday to cancel his existing gym membership. He's not sure how much notice he has to give.

    I've found a crafting club that meets weekly about half an hour from where I live (and closer from where I work) - where I could potentially do crafts for 1.5 hours a time for £15 as part of a small group. I'm going to give it a go on Thursday afternoon and when I go back to work - I could potentially do it in the evening if I enjoy it. It's the kind of thing I would like to run myself once we escape 9-5 work. I will let you know how I get on.
    Achieve FIRE/Mortgage Neutrality in 2030
    1) MFW Nov 21 £202K now £174.8K Equity 32.77%
    2) £1.6K Net savings after CCs 14/8/25
    3) Mortgage neutral by 06/30 (AVC £25.3K + Lump Sums DB £4.6K + (25% of SIPP 1.2K) = 31.1/£127.5K target 24.4% 15/8/25
    4) FI Age 60 income target £16.5/30K 55.1%
    5) SIPP £4.8K updated 29/7/25
Meet your Ambassadors

🚀 Getting Started

Hi new member!

Our Getting Started Guide will help you get the most out of the Forum

Categories

  • All Categories
  • 351.3K Banking & Borrowing
  • 253.2K Reduce Debt & Boost Income
  • 453.7K Spending & Discounts
  • 244.3K Work, Benefits & Business
  • 599.4K Mortgages, Homes & Bills
  • 177.1K Life & Family
  • 257.7K Travel & Transport
  • 1.5M Hobbies & Leisure
  • 16.2K Discuss & Feedback
  • 37.6K Read-Only Boards

Is this how you want to be seen?

We see you are using a default avatar. It takes only a few seconds to pick a picture.