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Sending you positive vibes & energy.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.3 -
Thinking of you and sending positive vibes your way as well xx"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 McGee2
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Hi DIA - sorry the news wasn't what you hoped. Good to have a clear diagnosis and options. Good also to speak to someone whose had the surgery and come back through the other side able to pick up and go on with their life. I hope you don't have to wait too long. Would you go private if you needed to?Achieve FIRE/Mortgage Neutrality in 2030
1) MFW Nov 21 £202K now £172.5K Equity 36.11%
2) £1.6K Net savings after CCs 14/8/25
3) Mortgage neutral by 06/30 (AVC £25.6K + Lump Sums DB £4.6K + (25% of SIPP 1.2K) = 31.4/£127.5K target 24.6% 1/9/25
(If took bigger lump sum = 53.3K or 41.8%)
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 29/7/252 -
Hope it all works out well. Positive vibes to you and I'm sure you will make the right decisions regarding treatment and recoveryI think I saw you in an ice cream parlour
Drinking milk shakes, cold and long
Smiling and waving and looking so fine4 -
Sorry to hear about the op and sending hugs and best wishes for a speedy recovery. Good of GP to help you decide which hospital to choose.0% credit card £1360 & 0% Car Loan £7500 ~ paid in full JAN 2020 = NOW DEBT FREE 🤗
House sale OCT 2022 = NOW MORTGAGE FREE 🤗
House purchase completed FEB 2023 🥳🍾 Left work. 🤗
Retired at 55 & now living off the equity £10k a year (until pensions start at 60 & 67).
Previous Savings diary https://forums.moneysavingexpert.com/discussion/5597938/get-a-grip/p1
Living off savings diary
https://forums.moneysavingexpert.com/discussion/6429003/escape-to-the-country-living-off-savings/p13 -
@Chrystal @Seasidegal58 @MovingForwards @beanielou @jwil @savingholmes @mark55man @Skint_yet_Again
thank you all for your positive vibes and good wishes. Much appreciated
Last night was painful, but now I understand pain will come and go. I am back to using heat patches. Annoyingly they are quite expensive. I’m going to check at the chemist if they are available on the NHS but I doubt it.
I have had time to think about the operation now. I am quite proud of myself for pushing the matter. When the x-ray done by the hospital it showed nothing unusual. I could have left it there, but I didn’t. As a result an MRI was requested. I managed to get through that (despite being claustrophobic) and that showed the true situation. Moral of the story. If you don't think the GP is right, push back...
Ok, so now there are new steps to take: firstly, I have yet to speak to the consultant to discuss the operation. Then, I need to think the options through. Then, I need to consider the time I can expect to wait for treatment. One step at a time.
I am one third through the month and I am doing well budget wise. I should have plenty to get through. I have started a buffer zone with £50 in it. I’m hoping to have money left over to boost this little fund, but I am constantly feeling like ‘treating myself’ and that is ok, within reason, as long as it is mindful treating…
Following @savingholmes I have decided to restart makeup for my wellbeing. So I treated myself to an item of makeup. I used the tester in the shop and looked instantly improved! Now to make an effort to use it daily...
House wise, the new property I saw online is a flat. It is ground floor with private entrance and private garden in a beautiful arts and crafts house. But, I can’t escape my dislike of service charges and leases. So, it is back to the bungalow. It is much shabbier but it would be wholly mine to do with as I wish.
Next week I will try again with the EA to restart negotiations
Wishing everyone a good weekend.
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 800/1000
Buffer fund 0/100
Debt Free (again) 25/0720257 -
Thank goodness you pushed the matter and hopefully this is you on your road to a solution and recovery 🙏 From past experience with Mr SA you can’t let them fob you off so well done for persevering.I get knocked down but I get up again (Chumbawamba, Tubthumping)3
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One of my friends had a flat in a converted chuch. It was so stunning it was worth every penny in service charges. It was bigger than my house. The stained glass & pillars were second to none.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.3 -
I wouldn't consider a lease/service charge. Too many restrictions, not knowing what the people above you are going to be like, and uncertainty with costs of communal repairs etc.I'm really keeping my fingers crossed that the sellers of the bungalow see sense and let you purchase it.Take care of yourself. (((hugs))) XXI Believe.....
That it isn't always enough, to be forgiven by others.
Sometimes, you have to learn to forgive yourself.
Yesterday is history, tomorrow is a mystery
Today is a gift. That's why it is called the present.
happiness isn't achieved by getting extra things,
but by getting rid of the things that make you unhappy4 -
I'm glad you pushed back at the GP. Hope you enjoy the 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 McGee2
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