Pay off mortgage and start having even more fun 😁

LadyWithAPlan

Loving the elephant - as an aunt I only ever made a Xmas stocking - I need to step
it up! 

Sorry you missing the holiday but yes it is hard keeping your eye on spending vs  future OPs when you have such a big surgery ahead - hopefully you are striking the right balance for you 

newgirly

That’s a fair observation and I welcome the line of questioning 😁 

I’ve basically spent the spending money we would have taken on cruise and the caravan break, mostly on the kids but also on bits I think I’ll need. It probably  sounds a bit worse than it is I’ve used birthday money for the clothes and vase. 

I think in normal circumstances I wouldn’t have done this though and would have saved it for a future trip, so it’s fair to say it’s a slackening of the reins 🙄

Plus I’ll probably want to book a trip after all this is over to celebrate, so that will now be harder! 

I didn’t end up moving most of the offset money to pay off the mortgage, dh wanted to wait just incase, so it’s still there as an emergency fund. 

Thanks guys, I know you have my best interests at heart ❤️ 

daisy_1571

Xxxxxxxxxx

themadvix

You are allowed to have a bit of a wobble with the finances given the circumstances NG. But you know you won't want to go too far the wrong way - you've come so far and the end is in sight now. Maybe you'll have to wait for a proper celebration after the op until you're MF? It won't be long now at all!

xx

newgirly

We are still on track Vix 👍 I have got a confession though, not great timing bearing in mind the conversation the last few days 😆 I’ve booked a cruise with my parents for October this year, it is however covered by the credit we had and what I should get from the holiday insurance. It wouldn’t be our first choice of trip usually but was so cheap £572 each for a balcony cabin for a week and is a nice easy relaxing Southampton round trip. The Vinted money I’ve saved can be the spending money so I’m counting it as a free holiday, it’s nice to have something to look forward to 🙂

I was taken out for lunch today by my parents, we popped to Tiptree tearooms and jam museum, it’s only an hour away and I’ve never been before, very enjoyable but I did buy dd some champagne strawberry jam as she loves tiptree so a bit of spending done, I also tried to pay for lunch but wasn’t allowed! 

The price for the op has come though, not sure if anyone would be interested but I know I would love to know these things 😆  it’s £38,500 for we think everything bar the tests and scans and consultant 😱 it’s a huge amount but less then I was worrying it would be and my parents thought it would be a fair bit more, so are not so shocked. I do find it strange that I’ve had three tests last week with no idea if they are included and no quote, it’s taken me asking and emailing multiple times to get this much information. I’ve a few more tests next week too so this could bump it up a fair bit again. I’ve been told I’m never getting birthday or Xmas presents ever again as this covers it 😂

South_coast

Maybe they believe in the old adage that if you have to ask the price you can't afford it 🤷‍♀️? 

Cruises are permitted spending, so no tutting from me. But you do NOT need new PJ's, or Harry Potter curtains to put up in your cabin, or whatever else you might see in Primark between now and then and think is essential 🤣!

newgirly

😂 This seems like a vendetta against my love of nightwear now 😆 

My mum said the same thing SC funnily enough, I do think that there’s going to be so many different types of people wanting to go private but having no clue if it’s possible or not, that clearer pricing once diagnosed might help, if we were thinking of funding this ourselves I would be very stressed not knowing if we could borrow enough. 

I’ve had a letter from my GP this week saying they are referring me, why it’s taken nearly two weeks to write though I’m not sure! Our surgery is the best rated one on the area and I’ve always had a great opinion of them. However since this not so much, both visits to the GP with symptoms and different doctors didn’t listen to my heart and apparently you can hear the problem too. I’ve emailed about a letter to claim on holiday insurance too but that’s not been answered, I may have to ring. 

Not much to report financially, did a couple of surveys and collected 68p from tcb, I’ve put a hold on the selling on vinted until afterwards but that had slowed right down anyway, I still have more to list later on. Ds1’s flat should be nearing the exchange date soon, hopefully he won’t be moving the week of my op, I’ve told him to make sure it’s not as there’s no chain and he needs dh help to move as he doesn’t drive. I’ll have another spare room when he does go, it’s slowly emptying out ☹️ 
I’m not sure if we will stay here or not really, the location is great for when we get old (er) 😆 we are on a main road a few doors along from the corner where the shops run at a right angle up the road next to us, we have buses every 5-8 mins into town and the station direct to the centre of London, but I think the house will be too big and the garden too small, plus the dreaded son next door and his home in the garden! 

Time will tell I guess, but decluttering to start with seems like a good first step and then repairing and decorating what needs doing once we are fingers crossed mortgage free! 

South_coast

I have corrected that last sentence for you 😀:

newgirly said:

Time will tell I guess, but decluttering to start with seems like a good first step and then repairing and decorating what needs doing once we are mortgage free! 

themadvix

South_coast said:

Cruises are permitted spending, so no tutting from me. But you do NOT need new PJ's, or Harry Potter curtains to put up in your cabin, or whatever else you might see in Primark between now and then and think is essential 🤣!

This!

Cruises are definitely allowed - and that seems like good value and something nice to look forward to and with your parents too.

With the house, maybe don't get ahead of yourself! There's time for them to come back yet! 😬 And you've got enough on your plate that you don't need to be thinking about this at the moment. Chill!

skint_spice

Although not near London my parents who are late 80s remain in my childhood home because of all those reasons - close to shops, buses and rail links as and the beach is walkable too. I think if they downsized they would save in heating and maintenance but I get why the location wins for them.