So close, we can smell mortgage freedom!

debtfreeoneday

Love my IP!  Not sure how I managed without it. 

themadvix

Morning all,

Glad you're enjoying your IP DFOD - is it a new purchase? I love mine too, it gets used pretty much every day for something. 

Have been out this morning to the post box (RM survey item) and the allotment - to pick some sprouts. (I did jokingly ask MIL if they would be ready for Christmas Day if I put them on now). Very pleased with these and there's another 3 stems to come.



When it's a bit drier on the ground Mr MV is going to do a couple of last bits to my car and hopefully they will dry in time to whizz it through a retest later - I haven't contacted the garage yet as until it's done, there's no point. Otherwise, it'll have to be a full test again, which is annoying, but there's no way it was going to get done and dry in the rain yesterday.

Otherwise, I've got some work for a client to do and some Cambridge work to get on with. My new laptop is all set up now, with all the software etc on it - it's great And I've had confirmation the refund for the other has been processed, so just got to wait for that to show up on my B'claycard. Have worked out how I'll show the refund/price difference in my accounts, so I'm feeling that'll be fairly straightforward.

MS things:
* Clicks done - nothing on HW today
* YG survey done
* RM survey item posted
* Sprouts for dinner tomorrow (tonight I've got some passata that needs using up, so going to make a curry)
* Mr MV has finally booked an appointment for a physio through his work health insurance (side note: I could be added onto the policy I think... I'm wondering if this is a wise move, given the state of the NHS. I don't agree with jumping ship really but I'm aware that my friend died earlier this year because the NHS spent too long faffing around (no disrespect meant to those in the NHS, I know they are doing their best in extremely trying circumstances, but it wasn't enough for my friend). I might enquire and see what the cost is.)

Gratitudes:
* New lappy is wonderful
* It's not raining today - it was good to get down to the allotment, however briefly
* Sprouts have been a success!

Have a good day all!

Fortune_Smiles

Fabulous sprouts!

Fortune x

Karmacat

That's a great photo!  

Difficult with the NHS ... I understand how it can feel like queue-jumping ... I can't articulate what I mean in support of going with Mr MV's decision, I'm still frazzled from the issues yesterday and today, but if it's right for you, I honestly don't think you prejudice the NHS or other NHS patients.  

themadvix

Thanks Fortune and KC. Re the private physio Karma, he'd have had to have that privately - but previously he was paying for it (same man I was seeing), when it is covered by his work-provided insurance, so it's moneysaving to be using that! My wondering was more whether (while I'm healthy) I should sign up to the cover - then it's there if I need it for other things in the future. I still don't really know.

Ebay parcels sent and £6.70 postage money transferred to my savings pot with no name... I'm undecided as to what this will be for at the moment.

Busy with work - main client has popped up with something, other client is keeping me busy and there's Cambridge. The Cambridge stuff is very bitty though and driving me a bit up the wall... but my work has been quiet, so I can't complain.

Poor Mr MV is madly working away on the car - the paint is going to be wet when I take it down the road for its retest at 5pm (they were good about fitting me in), but hopefully we've done enough. I'll just have to apologise and explain about the weather.

Baileys_Babe

Fingers crossed for the retest 🤞

Having private medical insurance could be seen as a way to support the NHS as you could be take some pressure off it when you use the private services.

@themadvix is your husband thinking of changing jobs in the near future? If so it might be more economical in the short term to squirrel away your premiums as there is a fair chance you won't use the insurance before he leaves and either no longer has the benefit or the provider changes.

Cheery_Daff

Fingers crossed for the car!

themadvix

Thanks ladies!

Oooh, a very good point there BB. Not sure what the outlook is workwise, so will hold off for now (might look into it just for prices etc.). Work is a little bit better for him currently, but not sure how long this will last.

I think the issue is that it's the same staff doing the work in a lot of cases, so it takes them away from doing NHS stuff.... it's such a moral quagmire though, because you're right, in some cases it is definitely better to take the pressure off.

badmemory

I don't like having to bypass the NHS.  I was born before it existed & even on a bad day I think it is marvellous (my deafness exists because the NHS didn't).  However, our current government is seriously trying to undermine it.  Unfortunately we all need to do what we need to do.  Just as long as whilst we are doing that we are also yelling don't sell it off.

savingholmes

I think these days having secondary cover is going to prove more essential. Privatisation by the back door but at the end of the day you don't get your lost time or health or unnecessary suffering back by waiting for the 'free' solution.