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  • twinklie
    twinklie Posts: 5,165 Forumite
    Part of the Furniture 1,000 Posts Photogenic Name Dropper
    edited 30 December 2024 at 12:18PM
    becky170 said:

    In other news to have started the process of applying for an EHCP for our son. Our council is not running to the legal timeframes for the EHNCA process so I have no idea when they will issue but at least it's in progress and will be in place before secondary school (unless they won't issue but I will fight that it that's the outcome). School are supporting him which is the main thing. Our DD is showing signs of dyslexia too. It's heartbreaking seeing her try so hard but struggling. I'm saving up our child benefit to pay for a dyslexia assessment once she is old enough. 


    DS2 got his EHCP this year which was much needed for him. All LAs nationally are having sufficiency issues so most are working outside of timescales (I work in inclusion). 

    Schools theoretically should be able to put quite a bit of provision in place if needed outside of having an EHCP. Some schools do, some don’t. 

    DS1 (ASD, hypermobile and some fine motor difficulties), moved to high school this year. We were very anxious about how he would cope with all the changes, moving around, different teachers etc. He’s absolutely thriving. He says it’s much better than primary school. He feels more supported and the rules and structure provide him with a clear outline each day which reassures him. They’ve put loads of interventions in place for him and he has a laptop he carries round for extended pieces of writing. He doesn’t have an EHCP - but the support has been phenomenal. They’ve been very proactive. 

    I just wanted to try and offer some reassurance that the transition to high school can be a positive one. 
    Reduction in daily mortgage interest since October 23 (new mortgage) - £1.42 Dec24
    % of house owned/% of mortgage paid off. Dec 24 - 3.85%/28.34%
    MFiT-T7 #21
    MFW 2025 #2
    MF Date: Oct 37 March 37
  • Thanks so much twinkle. I'm really pleased to hear that DS1 has settled in really well to secondary school and that they have been really supportive. 

    DS' primary school have been really supportive which I am very grateful for. They are also looking out for DD. Hopefully there will be lots of positive points for DS going to secondary school. Maybe I am worried about nothing but the fact that he has no acceptance of authority figures does worry me for secondary school, as the local secondary school has gone very authoritarian which may not be the best environment for him. Although as one senco at a secondary school I visited said, he's not going for another year and a half and a lot can change in that time. 
    Mortgage-free wannabe 2025 £571/3000
  • twinklie
    twinklie Posts: 5,165 Forumite
    Part of the Furniture 1,000 Posts Photogenic Name Dropper
    I’d definitely agree with that. The child DS1 was at the start of year 6 was not the same one that finished the year! The change in him was amazing. The change in him from September to now is even bigger. Honestly, I hardly recognise him (in the best way). 

    Some people describe DS1s school as a prison camp ( :open_mouth: ) because it’s so strict, but it has really worked for him. DS2 has a couple of years to go yet, but I’m sure I’ll be back in panic mode when it’s him. 

    I found year 6 a lot and really hard going as a parent, but year 7 has been a dream by comparison. Far fewer issues for us anyway. 
    Reduction in daily mortgage interest since October 23 (new mortgage) - £1.42 Dec24
    % of house owned/% of mortgage paid off. Dec 24 - 3.85%/28.34%
    MFiT-T7 #21
    MFW 2025 #2
    MF Date: Oct 37 March 37
  • savingholmes
    savingholmes Posts: 28,932 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Well done on the OPs and your OP plan. Don't neglect your pension either along the way as that can give an on-going income. 

    On your children - I wish you all the best. I'm glad you have managed to get some diagnoses - that can be a battle in itself - but at least once the labels are in place it is easier to get support. 
    Achieve FIRE/Mortgage Neutrality in 2030
    1) MFW Nov 21 £202K now £174.8K Equity 32.77%
    2) £3K Net savings after CCs 6/7/25
    3) Mortgage neutral by 06/30 (AVC £22.5K + Lump Sums DB £4.6K + (25% of SIPP 1.1K) = 28.2/£127.5K target 22;12% updated 6/7
    4) FI Age 60 income target £16.5/30K 55.1%
    5) SIPP £4.6K updated 6/7/25
  • becky170
    becky170 Posts: 879 Forumite
    Part of the Furniture 500 Posts Photogenic Name Dropper
    Thank you for everyone's kind words. It means a lot to hear other people's experiences and advice  <3

    As it's the first of the month I have made my first overpayment of £250 to our mortgage for 2025. I have also transferred £225 to our home improvement fund. Here's to new windows in 2025  B)
    Mortgage-free wannabe 2025 £571/3000
  • savingholmes
    savingholmes Posts: 28,932 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Well done - that's a fab start to the year. Happy New Year!
    Achieve FIRE/Mortgage Neutrality in 2030
    1) MFW Nov 21 £202K now £174.8K Equity 32.77%
    2) £3K Net savings after CCs 6/7/25
    3) Mortgage neutral by 06/30 (AVC £22.5K + Lump Sums DB £4.6K + (25% of SIPP 1.1K) = 28.2/£127.5K target 22;12% updated 6/7
    4) FI Age 60 income target £16.5/30K 55.1%
    5) SIPP £4.6K updated 6/7/25
  • becky170
    becky170 Posts: 879 Forumite
    Part of the Furniture 500 Posts Photogenic Name Dropper
    Another £300 overpaid to the mortgage today. Had a takeaway too which isn't very money saving, but it's been a long week. Roll on half term.
    Mortgage-free wannabe 2025 £571/3000
  • savingholmes
    savingholmes Posts: 28,932 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Well done on your OP.
    Achieve FIRE/Mortgage Neutrality in 2030
    1) MFW Nov 21 £202K now £174.8K Equity 32.77%
    2) £3K Net savings after CCs 6/7/25
    3) Mortgage neutral by 06/30 (AVC £22.5K + Lump Sums DB £4.6K + (25% of SIPP 1.1K) = 28.2/£127.5K target 22;12% updated 6/7
    4) FI Age 60 income target £16.5/30K 55.1%
    5) SIPP £4.6K updated 6/7/25
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