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Walking into another chapter ...
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Enjoy your half term hope you managed to get through all of your list (you have got one right?)Save £12k in 25 No 49
PB Win 21 £225, 22 £275, 23 £900, 24 £750 Balance Dec 25 £32.7K
Plan to move to Denmark for FIRE by Autumn 2025 “May your decisions reflect your hopes not your fears”
New diary aiming for fire https://forums.moneysavingexpert.com/discussion/6414795/mortgage-free-now-aiming-for-fire#latest1 -
This morning i had my pre-op assessment, all went well and took less than an hour, BUT ... I asked how long until my op and was told the pre-op assessment lasts for 6 months, and if I haven't had my op by then they'll need to re-do it
So much for it being soon ...
Mortgage Total: £50,550/ £75,000
Mortgage Overpayments Pot £16800 -
Wow, that is not good. I would assume pre op assessment means imminently...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 350/1000
Buffer fund 100/100
Debt Free (again) 25/07/20252 -
You would think so wouldn't you Doingitanyway

This morning I'm having a banking shuffle, start of the month and sorting budgets etc. I've paid for my garden waste collection for 2026 (£71), that comes out of my household pot so already accounted for. I was very surprised they haven't increased the price from last year, our council are one of the worst in the country so was expecting at least a £5 or £10 hike.
So the month ahead is looking okay at the moment - obviously I'm at work for all of it which means less opportunity to spend money
although that pesky Christmas lark is just round the corner so I will need to keep a close eye on spends there.
Today will be a normal pottering kinda day. There are major roadworks going on locally for the next couple of weeks so unless I need to venture out I will be staying at home mainly.Mortgage Total: £50,550/ £75,000
Mortgage Overpayments Pot £16801 -
I think you’re waiting for the same op my daughter had this year - gall bladder? She was told the same thing but wasn’t waiting long before she was called in.I get knocked down but I get up again (Chumbawamba, Tubthumping)1
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I hope you get a date for your op soon. My daughter had her gall bladder removed a few months ago and says she hasn't felt as well for ages.
mid December, just before Christmas seems to be a time when people decline an appointment and slots become available.
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Thanks, yep gallbladder op ... mid December would work well for me, I'm not interested in Christmas:)
This morning I woke up with some motivation for a change, I have stripped the bed, done 3 loads of washing and cleaned the conservatory windowframes. I need to do the windows later but the frames, all the way up to the roof get covered in those little dots of spider poo (??) and cobwebs, so they're all done.
The tip is open now so will take a load of stuff there in a bit, then potter some more before the football later.Mortgage Total: £50,550/ £75,000
Mortgage Overpayments Pot £16800 -
Been to the tip, popped into Sainsburys and got some veggies to make some soup. Bedding has been dried and ironed and bed remade. I'm feeling a bit wobbly today, thanks perimenopause for the random anxiety that kicks in for no reason, so am trying to keep myself busy to take my mind off it. Just gone over the grouting in the bathroom with a grouting pen, looks better than it did!Mortgage Total: £50,550/ £75,000
Mortgage Overpayments Pot £16801 -
Well I had a phonecall this week to say my op is net Friday

I'm super excited which probably sounds daft, a bit nervous too as I've never had an operation before, but so pleased it will be finally done. I know there's always a good chance of it being cancelled but my fingers are well and truly crossed that it all goes okay.
This weekend is mainly being spent making sure the housework is all up to date and the fridge / cupboards are full as I won't be able to drive for a bit.
Mortgage Total: £50,550/ £75,000
Mortgage Overpayments Pot £16800 -
Positive vibes for you.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.1
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