GAP and LMG, can we become mortgage free?

girlatplay

Bad bad news at the dentist this morning.  I need some work done and it's not going to be cheap.  I don't want to go into great detail, I'm not a huge fan of the dentist and I don't like talking about it, but part needs done and the other part is cosmetic, to hide the other bit.  I'm likely going to have to put my mortgage plans on the back burner for a bit.  I can use some of my emergency fund to cover part it but I'll have to borrow the rest.  Dentist does an interest free loan option so I'm hoping to qualify for that, if necessary.  I have to go back next week to have the first bit done and I have a quote for that work.  He will give me a quote then for the rest of it.

I've been thinking about it all day and I've discussed it with LMG, bf and my manager at work (we get on quite well on a personal level) and it's probably not going to be as bad as I thought this morning.  It will probably be cheaper than I first thought as I jumped to worst case scenario as always.  Bless LMG, her first words after "aww mum" were "I've got some savings you can have."  I wouldn't take (borrow) her savings but it was so sweet that she didn't hesitate to offer.

Anyone who knows me knows I'll get rid of any loan as quickly as possible but it's still a backwards step buy-out-wise, plus it will deplete my EF a bit as I don't want to borrow the whole amount, whatever that will be.

Anyway, I'm going to put my phone away, try to stop thinking about it and have a restful evening.

badmemory

I must confess I always find it interesting that when they think you have no funds nothing can be done but when they know you do the whole landscape changes.

beanielou

If it needs to be done then it needs to be done.
Try to not over think it.

girlatplay

badmemory said:

I must confess I always find it interesting that when they think you have no funds nothing can be done but when they know you do the whole landscape changes.

Do you meant the dentist?  Yes.  Although, one part has to be done, the other is my choice for my own vanity.

beanielou said:

If it needs to be done then it needs to be done.
Try to not over think it.

I'm trying not to think about it at all, not about what needs to be done anyway.  Thank you.

girlatplay

Well the day of pay has finally arrived.  I've juggled the funds around.  Both credit cards are clear again.  I managed to put a little into the holiday fund, a little into the dentist fund and I've got a little for spends throughout the month.  Nothing to the mortgage fund (yet).  I managed to get through the past week with only a small spend so I can do it.  I'll try really hard not to do random, unnecessary spending this month.

We still have a couple of meals left on the plan.  We also have a full months' grocery budget.  We are doing very well.  We have nothing to complain about.

We have my niece overnight tonight so Mac 'n' cheese for tea.  I used the couple of £s left in September grocery budget plus part of the money that I had put aside for the dentist visit (didn't end up costing me anything yesterday) so that's how our October budget is still intact.

badmemory

Yes I was thinking about the dentist, but it doesn't just apply to that, frankly it is just about everything.  So much more becomes possible when they know you can just open your wallet.

girlatplay

badmemory said:

Yes I was thinking about the dentist, but it doesn't just apply to that, frankly it is just about everything.  So much more becomes possible when they know you can just open your wallet.

So very true

beanielou

Going private is a different world.
I once went to the Murrayfield & learnt more about CP than I ever knew.
Such is life.

savingholmes

Hi GAP - having spent hundreds and even over £1200 once a dental bill - I know your pain but it will be worth it. 

Lovely that LMGAP was so quick to offer her £. Brought her up right - and good she has savings.

LadyWithAPlan

I spent £5k last year on my dental last year, part cosmetic, part necessity and the cosmetic part was cheaper as I was having to do the other work.. I cash flowed it as they tend to  bill you in installments  on the work that day and I put one bill on the CC as got 60 days free credit then i could pay off in full.
However it is done now and I am a permanent flosser now