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2022 - Moving forward

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  • Love your style with the F&F ! 😸 You know how to handle them .
    It's funny regarding these offers ; I found that a couple cave in or agree, and there is always one that is "No! " 

    At least you started the ball rolling with the diabetic situation etc. You'll know more when you turn up . 🤞it all goes well 

    I'll leave it there ..😼
  • savingholmes
    savingholmes Posts: 28,971 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    I would definitely get little miss assessed if offered. I really regret my own family's late diagnosis... as it caused unnecessary stress and worry - and our self-esteem and access to support has improved post diagnosis. Feel free to PM me.
    Achieve FIRE/Mortgage Neutrality in 2030
    1) MFW Nov 21 £202K now £174.8K Equity 32.77%
    2) £2.6K Net savings after CCs 6/7/25
    3) Mortgage neutral by 06/30 (AVC £24.3K + Lump Sums DB £4.6K + (25% of SIPP 1.2K) = 30.1/£127.5K target 23.6% 29/7/25
    4) FI Age 60 income target £16.5/30K 55.1%
    5) SIPP £4.8K updated 29/7/25
  • beanielou
    beanielou Posts: 95,578 Ambassador
    Part of the Furniture 10,000 Posts Academoney Grad Mortgage-free Glee!
    Mmmm.
    If you think it may help then go for it.
    At the end of the day the label matters not a jot, the help & support offered does.
    Bright & happy is great.

    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. ***Be the difference.***
    One debt remaining. Home improvement loan.
  • jwil
    jwil Posts: 21,959 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Love your style with the F&F ! 😸 You know how to handle them .
    It's funny regarding these offers ; I found that a couple cave in or agree, and there is always one that is "No! " 

    At least you started the ball rolling with the diabetic situation etc. You'll know more when you turn up . 🤞it all goes well 

    I'll leave it there ..😼
    It's all thanks to the wonderful advice on here on various threads.  I wouldn't be half as confident without it!  It's ridiculous though.  When I made an offer last year they wanted to know the total available and what I was offering other creditors.  I didn't give it last year, but included that this year.  Now they want my housing situation, next year it will probably be my weight and blood type :D:D

    I would definitely get little miss assessed if offered. I really regret my own family's late diagnosis... as it caused unnecessary stress and worry - and our self-esteem and access to support has improved post diagnosis. Feel free to PM me.
    Thank you,  that's really useful to know. I have a pile of reading materials now, I may message you if I have any queries.  

    beanielou said:
    Mmmm.
    If you think it may help then go for it.
    At the end of the day the label matters not a jot, the help & support offered does.
    Bright & happy is great.

    Thank you.   The consensus from those I've spoken to in RL is also leaning towards getting the assessment.  You are right that the support will make all the difference.

    Thank you everyone, I really appreciate it :)
    "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 McGee
  • doingitanyway
    doingitanyway Posts: 9,955 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Mortgage-free Glee!
    I like your style with the over-asking creditor too! at least you are approaching them  :)
    If you have built castles in the air, your work should not be lost; that is where they should be. Now put the foundations under them

    Emergency fund 100/1000
    Buffer fund 0/100
    Debt Free (again) 25/072025
  • jwil
    jwil Posts: 21,959 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    I feel totally drained today.  All the meetings are over now though thankfully. My pre-diabetes appointment was ok today.  It was certainly more useful than yesterday!  All about making small changes.  I did get something from it.

    I'm really hoping for a quiet weekend this weekend.
    "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 McGee
  • beanielou
    beanielou Posts: 95,578 Ambassador
    Part of the Furniture 10,000 Posts Academoney Grad Mortgage-free Glee!
    Hope you get a quiet weekend.

    Next year they will want your knicker size  ;)

    Two most important changes to make? 
    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. ***Be the difference.***
    One debt remaining. Home improvement loan.
  • dawnybabes
    dawnybabes Posts: 3,345 Forumite
    Part of the Furniture 1,000 Posts Name Dropper
    My DS is autistic and has thrived with the right support - without the ‘label’ we’d have struggled to get it.  He tells everyone he has ASD - he’s not ashamed of it .  I’m a trustee of an autism charity so feel free to pm me if you need anything xx 
    Sealed pot challenge 822

    Jan - £176.66 :j
  • jwil
    jwil Posts: 21,959 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    My DS is autistic and has thrived with the right support - without the ‘label’ we’d have struggled to get it.  He tells everyone he has ASD - he’s not ashamed of it .  I’m a trustee of an autism charity so feel free to pm me if you need anything xx 
    Thank you, that's really useful.  I hope I didn't imply anything or offend anyone by saying about the label, I agree it's nothing to be ashamed of, and people shouldn't be worried about being open about it.  I think in my own clumsy way I am trying to establish the difference between standard child behaviour and what needs further support.  I'm not concerned that it's a bad thing, it's more whether it was needed.

    However, I read through the paperwork last night and have been mulling over, and I recognise so many of the coping mechanisms, and the little things that little miss does, I have told the teacher I'd like to go for the assessment.  Now I've read it I feel a bit bad that I've missed the signs.

    If you can point me in the direction of any good reading material I'd be so grateful.  It's clearly time for me to learn more about it.
    "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 McGee
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