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Easter 2025 I’m coming to get you!

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  • Hettyhound
    Hettyhound Posts: 1,225
    Seventh Anniversary 1,000 Posts Photogenic Name Dropper
    Forumite

    Remember I mentioned turning a corner above? Well I've come to the conclusion I'm going to have to speed things up (for reasons of safety) which obviously means I've got to pay and therefore the mortgage over payments will take the hit. My son and I are both suffering so I've taken matters into my own hands. Saw the GP a week ago and they want him assessing for both ADHD and Autism. We are using the Right to Choose pathway so should get assessed in 4-6 weeks. Unfortunately there is no shared care agreement for under 18s regarding medication so if that is a recommendation the GP then gets us added to the CAMHS wait list for medications assessment. They don't know the current wait list times but I'm expecting minimum 6-12 months. Still I will have a diagnosis to give to the school and we are effectively saving 2-3 years on the standard CAMHS ADHD assessment wait list by doing Right to Choose. Even if you are assessed by CAMHS you then still have to go onto the medication wait list. GP said CAMHS medication list accept RtC assessments because they are carried out by NHS registered services rather than a private provider. Second thing is I'm going to pay for him to have a dyslexia assessment. The only way to get one is to pay, you cannot get them via any other means (some schools will screen put its not a full assessment required for legal support in exams etc). Had one quote back and waiting for another; £550 and earliest assessment appointment is mid November. Thirdly, I'm going to pay for very expensive EMDR therapy with a registered psychologist to treat his adoption trauma. This was the therapy I though we were going to do via the Adoption Support Fund rather than Sensory Integration (which is having no effect on him at all). The therapist I had the initial (free!) chat with seemed very supportive and knowledgeable so I've signed a form to get him added to her wait list (which is early December start date). She is probably the therapist we would have been sent to anyway as she's trained in Child and adolescent EMDR and provides services through the ASF. He is so unhappy which makes me very sad, but he just doesn't know why he feels the way he does. Anyway we will be tightening our belts (well mine) even more and no doubt many arguments will be had………

    SPC #023 SPC 12: £125.86; SPC 13: £214.98; SPC 14: £297.41; SPC 15: £237.27; SPC 16: £335.39; SPC 17: £662.09 SPC 18: £660.03; SPC 19 ?
    MFW #21 Mortgage start Dec 2015 £79,950; October 2026 £10,205 2025 OP £2991/£2,000 2026 £4,285/£5,500
    MFiT T6 #3 £19070/£25,500 (72.82%%) MFiT T7 #3 £10,595/£21,930 (48.31%)
  • slm6002
    slm6002 Posts: 4,684
    Part of the Furniture 1,000 Posts Photogenic Name Dropper
    Forumite

    We ended up paying for a dyslexia test for my DS after the school refused to admit anything was wrong. Once we had the diagnosis they said ah yes we thought so, but we dont have the funding to assess them. They could still have put things in place without the diagnosis - we changed schools not long after and they were much better.

    We have also this week put our referral in for RtoC autism and ADHD testing for DS. He is 18 now but would still like to know for sure if this really is what he has.

    It is tough, expensive and waiting lists are long but hopefully you will start making the journey to a happier DS soon.

    Me, DD1 20, DS 18, DD2 15, Debt Free 04/18, Single Mum since 11/19
    Gym was it worth it pot £139.40/£300 (started 25.05.2026)
  • carboot_karaoke
    carboot_karaoke Posts: 795
    500 Posts Third Anniversary Photogenic Name Dropper
    Forumite

    So sorry to hear the struggles you and DS are experiencing especially on your own😔.

    I was initially reluctant to seek an autism diagnosis for young CK but finally 3 years after starting the process we received one. It actually mattered more to them then l thought and should help in getting support. We are on the R to C waitlist for ADHD which keeps been extended due to high demand and lack of funding.

    For what its worth l think your doing the right thing, you and sons health & happiness is more important than being mortgage free

    CK x

    Current Balance £6000
    MFW 2026 #31 £17000 / £23,000 OP
    MFIT - T7  

    Property Fund £16,750 / £20,000


    0%CC May 2027-  £5,000

    0% Loan £600.00  - paid ✅️

    Money made £412.75 / £365 (29/09/26)

    Declutter 42 /52 

    Grocery Challenge 2025 £4885.78
    Grocery Challenge 2026 Jan £328.20, Feb £297.01, Mar £352.91, April £422.85, May £358.26, June £431.70,July £282.06

    The final countdown to June 2026 - Page 4 — MoneySavingExpert Forum


  • Hettyhound
    Hettyhound Posts: 1,225
    Seventh Anniversary 1,000 Posts Photogenic Name Dropper
    Forumite

    Mortgage day and a small overpayment. Mortgage is now under £11K standing at £10,965.

    SPC #023 SPC 12: £125.86; SPC 13: £214.98; SPC 14: £297.41; SPC 15: £237.27; SPC 16: £335.39; SPC 17: £662.09 SPC 18: £660.03; SPC 19 ?
    MFW #21 Mortgage start Dec 2015 £79,950; October 2026 £10,205 2025 OP £2991/£2,000 2026 £4,285/£5,500
    MFiT T6 #3 £19070/£25,500 (72.82%%) MFiT T7 #3 £10,595/£21,930 (48.31%)
  • KajiKita
    KajiKita Posts: 10,873
    10,000 Posts Fifth Anniversary Name Dropper Photogenic
    Forumite

    Well done on the today's OP and I agree with you on needing calm, sanity, feeling safe and happy being more important than finishing off the mortgage. The mortgage is so tiny now too! 😊

    Hope all the testing happens as swiftly as it can and the adoption trauma work brings him (and you) some peace of mind.

    KK

    As at 26.09.26:
    - When bought house £315,995 mortgage debt and end date at start = October 2039 - now £210,560
    - OPs to mortgage = £20,180 Estd. interest saved = £10,393 to date
    c. 17 months reduction in term
    Fixed rate 3.85% ends October 2030

    Read 73 books of target 52 in 2026 as @ 11th October. 
    Produce tracker: £329 of £400 in 2026

    Watch your thoughts, they become your words.
    Watch your words, they become your actions. 
    Watch your actions, they become your reality. 
  • Hettyhound
    Hettyhound Posts: 1,225
    Seventh Anniversary 1,000 Posts Photogenic Name Dropper
    Forumite

    Hello everyone. I've made a final August OP today (payday) of £80 so my mortgage is now £10,885. I can't believe the kids still have nearly 2 weeks before they go back to school. I think I have got everything for him to go back to school and I have been told he should get free school meals now due to a change in Universal Credit limits. All of this will help. I've made a cake and some flapjacks today and I also did a fruited tea loaf for the freezer. I've been food shopping this morning as its payday but bought very little fruit as what was on offer didn't look very fresh. I've downloaded the Li6l app today so I'll have trip to them for fruit and veg as it always seems better if we pop in there. I didn't have the app so never bothered doing my big shop there but will have a nosey round when I visit for fruit. I've got another 10km race in 2 weeks so will be doing my last long run before it on Sunday. Aiming to do 7 miles which is just over 12 km.; I'll just stick with 5k between then and run day. I've spotted a couple of other runs to book that are a different challenge. No movement on getting testing done due to school being off to 9th September. I've filled in some ADHD forms but had nothing about Autism and one of the Dyslexia assessors has never come back to me. Life has been really hard over the summer holidays but hopefully help will be arriving soon. Trying to balance over payments and savings and also get a handle on grocery bills. My dishwasher has now completely broken but I've decided not to replace it at the moment. I've only had one for the last 10 years so I'll go back to washing up liquid and rubber gloves!

    SPC #023 SPC 12: £125.86; SPC 13: £214.98; SPC 14: £297.41; SPC 15: £237.27; SPC 16: £335.39; SPC 17: £662.09 SPC 18: £660.03; SPC 19 ?
    MFW #21 Mortgage start Dec 2015 £79,950; October 2026 £10,205 2025 OP £2991/£2,000 2026 £4,285/£5,500
    MFiT T6 #3 £19070/£25,500 (72.82%%) MFiT T7 #3 £10,595/£21,930 (48.31%)
  • Hettyhound
    Hettyhound Posts: 1,225
    Seventh Anniversary 1,000 Posts Photogenic Name Dropper
    Forumite

    Just over paid £150 so now mortgage us £10,735. Its mortgage DD day on Thursday so that should chop a bit more off. More excitingly though its back to school day tomorrow!!!

    SPC #023 SPC 12: £125.86; SPC 13: £214.98; SPC 14: £297.41; SPC 15: £237.27; SPC 16: £335.39; SPC 17: £662.09 SPC 18: £660.03; SPC 19 ?
    MFW #21 Mortgage start Dec 2015 £79,950; October 2026 £10,205 2025 OP £2991/£2,000 2026 £4,285/£5,500
    MFiT T6 #3 £19070/£25,500 (72.82%%) MFiT T7 #3 £10,595/£21,930 (48.31%)
  • Jessy103
    Jessy103 Posts: 2,829
    Tenth Anniversary 1,000 Posts Mortgage-free Glee! Name Dropper
    Forumite

    Great op x Hope the first day back went well 🙂

    I've been mortgage free once, so let's do it again!
    Starting balance March 26 £191,274.53
  • Hettyhound
    Hettyhound Posts: 1,225
    Seventh Anniversary 1,000 Posts Photogenic Name Dropper
    Forumite

    Mortgage has gone out today and I've just down a small round down of £9.97. Outstanding mortgage balance is now £10,499.

    SPC #023 SPC 12: £125.86; SPC 13: £214.98; SPC 14: £297.41; SPC 15: £237.27; SPC 16: £335.39; SPC 17: £662.09 SPC 18: £660.03; SPC 19 ?
    MFW #21 Mortgage start Dec 2015 £79,950; October 2026 £10,205 2025 OP £2991/£2,000 2026 £4,285/£5,500
    MFiT T6 #3 £19070/£25,500 (72.82%%) MFiT T7 #3 £10,595/£21,930 (48.31%)
  • beanielou
    beanielou Posts: 101,404
    Part of the Furniture 10,000 Posts Academoney Grad Mortgage-free Glee!
    Ambassador

    Great total. When are you hoping to be done?

    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*** in ~~Japanese proverb.
    ***Keep plodding*** Out of debt, out of danger.
    One debt remaining. Home improvement loan.[/b] [11 months left.[/b]
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