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Beating Lifestyle Inflation and Staying Mortgage Free!

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Comments

  • Karmacat
    Karmacat Posts: 39,460 Forumite
    Part of the Furniture 10,000 Posts Name Dropper
    That's lovely, earthie, what a great thing to do.  Back in the day, I knew a lot of Chilean refugees, who ended up being able to go back to Chile when things changed a little bit, but they were often stuck here for up to 10 years - they really need language help.
    2023: the year I get to buy a car
  • savingholmes
    savingholmes Posts: 29,051 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Thanks. Hope your lodger arrives and settles in. 

    Well done on keeping food spends low.
    Achieve FIRE/Mortgage Neutrality in 2030
    1) MFW Nov 21 £202K now £172.5K Equity 36.11%
    2) £1.8K Net savings after CCs 13/9/25
    3) Mortgage neutral by 06/30 (AVC £26.8K + Lump Sums DB £4.6K + (25% of SIPP 1.2K) = 32.6/£127.5K target 25.6% 13/9/25
    (If took bigger lump sum = 54.5K or 42.7%)
    4) FI Age 60 income target £17.1/30K 57% (if mortgage and debts repaid - need more otherwise)
    (If bigger lump sum £15.8/30K 52.67%)
    5) SIPP £4.8K updated 13/9/25
  • Karmacat
    Karmacat Posts: 39,460 Forumite
    Part of the Furniture 10,000 Posts Name Dropper
    That's dreadful about the lazy nurse!  Do you have the time to make a complaint?  Especially as you had to fork out because of what she said.  I made a complaint back in the day about a CBT worker at my local practice because she "sacked" me as a client, and was refunded for the book she'd recommended I buy, because I'd got the electronic version from the library and dismissed it as a load of tut.
    2023: the year I get to buy a car
  • badmemory
    badmemory Posts: 9,914 Forumite
    Ninth Anniversary 1,000 Posts Name Dropper
    If you want to get really cross with a nurse I recommend having an age 70 health check.  It is a total tick box exercise & they have no interest in whether you have any ailments you haven't told them about.  Then just to make sure you are really angry they tell you that giving up smoking 30 years earlier has not been of any benefit to your health.  I now avoid the doctors like the plague & don't trust a word they say.  Well at least they can't say I'm one of those pensioners that fill up all the appointments.  I had to speak to them a couple of weeks ago & the receptionist couldn't even find me on their new system even though I have a monthly repeat prescription.  It's no wonder the phone lines are always busy that was 30 mins before we even got round to why I was ringing.
  • apple_muncher
    apple_muncher Posts: 15,262 Forumite
    Part of the Furniture 10,000 Posts Mortgage-free Glee! Name Dropper
    Well done on dealing with the teacher. What a twit, to consider something important enough to call you, to then backtrack because you followed through. Presumably whatever was noted has been removed from ds1's record...?
    Glad the lodger is turning out ok.
    NST March lion #8; NSD ; MFW9/3/23 Whoop Whoop!!!
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