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Big life decision
Comments
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            Do you mean £27 a week for contacts rather than per month? How come you can't wear a visor with glasses?Statement of Affairs (SOA) link: https://www.lemonfool.co.uk/financecalculators/soa.phpFor free, non-judgemental debt advice, try: Stepchange or National Debtline. Beware fee charging companies with similar names.0
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 Correct - I did - well flagged - I'll edit my post to reflect! Thank you!Soundgirlrocks said:
 I did the maths and I think EssexHebridean missed these as weekly costsEssexHebridean said:
 food 52 per week
 diesel 35 per week to get to work and supermarket only
 By my reckoning you should have around £400 - £500 a month spare from what you have listed in your monthly expenses above.
 By my calculations you have £151.29 a month for emergency fund / yearly bills that will increase to £177.92 once the TV licence is up to date.
 Are the course fee for your son?
 What's the distance to / from work? would cycling be an option? - getting rid of the car would save £180 a month plus the annual costs🎉 MORTGAGE FREE (First time!) 30/09/2016 🎉 And now we go again…New mortgage taken 01/09/23 🏡
 Balance as at 01/09/23 = £115,000.00 Balance as at 31/12/23 = £112,000.00
 Balance as at 31/08/24 = £105,400.00 Balance as at 31/12/24 = £102,500.00
 Balance as at 31/08/25 = £ 95,450.00
 £100k barrier broken 1/4/25SOA CALCULATOR (for DFW newbies): SOA Calculatorshe/her0
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 Probably because glasses fog up - it's a really tricky issue to cure that, too!kimwp said:Do you mean £27 a week for contacts rather than per month? How come you can't wear a visor with glasses?🎉 MORTGAGE FREE (First time!) 30/09/2016 🎉 And now we go again…New mortgage taken 01/09/23 🏡
 Balance as at 01/09/23 = £115,000.00 Balance as at 31/12/23 = £112,000.00
 Balance as at 31/08/24 = £105,400.00 Balance as at 31/12/24 = £102,500.00
 Balance as at 31/08/25 = £ 95,450.00
 £100k barrier broken 1/4/25SOA CALCULATOR (for DFW newbies): SOA Calculatorshe/her0
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            EssexHebridean said:
 Probably because glasses fog up - it's a really tricky issue to cure that, too!kimwp said:Do you mean £27 a week for contacts rather than per month? How come you can't wear a visor with glasses?
 I know badly fitting masks cause glasses to fog up, but struggling to understand how a visor would and if so, why the dental practice can't buy visors that can be used with glasses.Statement of Affairs (SOA) link: https://www.lemonfool.co.uk/financecalculators/soa.phpFor free, non-judgemental debt advice, try: Stepchange or National Debtline. Beware fee charging companies with similar names.0
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            The contact lenses are £27 per month and I can't wear a visor and mask and glasses and PPE as it gets too much
 to cope with....I would prefer to have the contact lenses than eat....it's a luxury, I know0
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 The course is for myself....I signed up when I had a better job....it's ILM Level 5 Dental Practice Management and completes in DecemberSoundgirlrocks said:
 I did the maths and I think EssexHebridean missed these as weekly costsEssexHebridean said:
 food 52 per week
 diesel 35 per week to get to work and supermarket only
 By my reckoning you should have around £400 - £500 a month spare from what you have listed in your monthly expenses above.
 By my calculations you have £151.29 a month for emergency fund / yearly bills that will increase to £177.92 once the TV licence is up to date.
 Are the course fee for your son?
 What's the distance to / from work? would cycling be an option? - getting rid of the car would save £180 a month plus the annual costs0
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            distance to work is 14 miles each way0
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 Ah, ok, I was trying to figure out where the £1723 came from.PM22 said:The contact lenses are £27 per month and I can't wear a visor and mask and glasses and PPE as it gets too much
 to cope with....I would prefer to have the contact lenses than eat....it's a luxury, I knowStatement of Affairs (SOA) link: https://www.lemonfool.co.uk/financecalculators/soa.phpFor free, non-judgemental debt advice, try: Stepchange or National Debtline. Beware fee charging companies with similar names.0
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            Can you get any tax relief on the course costs?Mortgage at 01.01.14 £119,481.83:eek: today £0 Emergency fund £5.5/5.5k & £200/200 cash.:jWeight 24/02/19 14st 7lb now 11st 12lb determined to stop defining myself by my mistakes. Progress not perfection.:T100%through my 1% mortgage challenge. 100% through my pb challenge. I’m not perfect but I’m good enough for now.0
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 Ok not impossible to cycle but it would be hard. Might be worth exploring other options though, there is liftshare https://liftshare.com/uk for car pools, or public transport? (not always the easiest I realise!) The good news is its going to get easier once the course is paid for and that's potentially going to help you to earn more so its worth stick with it.PM22 said:distance to work is 14 miles each way1
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