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Mortgage free mayhem

145679

Comments

  • mathilde
    mathilde Posts: 141 Forumite
    Part of the Furniture 100 Posts Combo Breaker
    edited 7 July at 7:53AM
    Hi everyone, 

    Mortgage now at £69,157.

    I got £500 overpayment in. From taking on extra teaching plus I invested in Chainlink a while back and that took off in the past week, so I cashed out some gains.

    Other goals: I didn't end up doing the Python course because my work laptop has the command prompt disabled, so can't do any coding. 

    But that's okay because I got a paper accepted in a conference this September. I'm hoping I can get it published too.

    The headstands I've abandoned for now. I hurt my neck in an attempt and honestly it gave me doubts around the value of doing a headstand altogether.

    Goals for July:

    1. Get at least £400 overpayment in.
    2. Once I get word that I passed my course(hopefully today) start the application process for a promotion to senior lecturer. 
    3. Figure out where to submit my conference paper for publication. 

    Mortgage in July 2023: £84206
    Mortgage in September 2025: £67728






  • mathilde
    mathilde Posts: 141 Forumite
    Part of the Furniture 100 Posts Combo Breaker
    Hi everyone, happy Wednesday!

    Mortgage is now £68,317. I got £500 overpayment in this month. I got some extra work from a corporate fitness company, doing lunchtime Pilates classes in an office building.  That's paid pretty well and by a miracle it fits into my schedule. 

    I finished my application for a fellowship. Once I get the fellowship then I can apply for senior lecturer.

    I thought I'd found a journal I could send my paper to but they haven't responded about my style guide, so I should keep looking.

    Goals for next month: 

    1. Meditate every day, just fifteen minutes. I used to do this and it really helped. A good habit to rebuild.
    2. Get £500 overpayment into the mortgage. 
    3. Get my article submitted somewhere. 
    Mortgage in July 2023: £84206
    Mortgage in September 2025: £67728






  • beanielou
    beanielou Posts: 96,266 Ambassador
    Part of the Furniture 10,000 Posts Academoney Grad Mortgage-free Glee!
    Sounding good on all fronts.
    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.
  • mathilde
    mathilde Posts: 141 Forumite
    Part of the Furniture 100 Posts Combo Breaker
    Hi everyone, 

    Hope everyone is doing well.  I got £300 overpayment in, so the mortgage is now £67728.

    On 9th August I was admitted to hospital with a kidney issue, and I've got surgery scheduled for 18th September. This has meant expenses including asking cat-sitter to come to mine for two days (thank goodness she could come). Then I've had to get the cats' vaccines updated so that I could book them in for boarding when I have the surgery. So lots of unexpected expenses this month but just grateful I could afford it.

    In terms of the other goals:
    1. I haven't meditated at all.
    2. A colleague asked me to co-author an article! We've submitted it.
    3. As above, just £300 into the mortgage but I'm grateful 🙏 

    Goals for next month:

    It's a bit uncertain because not sure how the surgery and recovery will go, but:

    1. Meditate 10 min a day.
    2. Write another article (I've got a topic in mind). 
    3. Financially I'm not going to put any pressure on myself. I'll miss out on gym income due to recovery, so the goal is just to keep on top of bills.
    Mortgage in July 2023: £84206
    Mortgage in September 2025: £67728






  • beanielou
    beanielou Posts: 96,266 Ambassador
    Part of the Furniture 10,000 Posts Academoney Grad Mortgage-free Glee!
    Hope your surgery goes well. 
    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.
  • skint_spice
    skint_spice Posts: 13,492 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Sending best wishes for a speedy recovery!
    Mortgage OP 2025 £6750/7000
    Mortgage OP 2024 £7700/7000

    Mortgage balance: £35,463

    Declutter 16/244

    Money making challenge £58/400

    ”Do what others won’t early in life so you can do what others can’t later in life” (stolen from Gally Girl)
  • mathilde
    mathilde Posts: 141 Forumite
    Part of the Furniture 100 Posts Combo Breaker
    edited 23 September at 9:19AM
    Hi everyone, surgery failed. Consultant's assistant explained what happened and said I should be re-booked 2 in weeks for more surgery to fix. Pain much worse now, cannot work. 

    Ward staff now say no, we can only schedule follow up procedure after six weeks (pre-op in 7 weeks, actual surgery who knows). I asked whether that was a clinical decision or just availability and that was clearly not an okay thing to ask. Lots of huffing and circumlocution. (So I expect availability?)

    The post-op situation last week was unbelievable. It was a GA procedure but meant to be straightforward, wake up, pop a paracetamol, go home and rest for a day. Op failure meant I woke up in huge pain and confused, ward staff pressured me to get dressed, I did my best to take notes. They refused to give me any pain medication to take home, instead saying, "Call your GP!" It was 17:00 at that point. They gave me one dose of codeine but once it wore off hours later I was screaming and looking through old handbags for sleeping pills or anything. I didn't have a stash of co codemol because I hadn't expected a failed op. My friend took me back to A&E where the nurse said she couldn't believe I'd been sent home in that state. 

    I'm okay now, trying to manage on just ibuprofen because I hate the "stoned" feeling of codeine. 

    I'm due to see a private consultant and trying to stay positive. 
    Mortgage in July 2023: £84206
    Mortgage in September 2025: £67728






  • beanielou
    beanielou Posts: 96,266 Ambassador
    Part of the Furniture 10,000 Posts Academoney Grad Mortgage-free Glee!
    So sorry that this has happened to you. Hopefully you will get a resolution soon. 
    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.
  • mathilde
    mathilde Posts: 141 Forumite
    Part of the Furniture 100 Posts Combo Breaker
    edited 23 September at 9:18AM
    Well so saying, I remembered that I have private insurance through my work. Never thought to use it because NHS hospital is good.

    But spot the difference: at NHS hospital I never even met the consultant. Ward staff weren't able to explain why treatment failed or next steps. 

    Consultant today met with me and in 20 minutes explained in detail why things went wrong, what the next steps should be  what the Plan B should be if they couldn't do Plan A.  I just feel so much more confident and at peace.

    So Im moving forward with private hospital. Feeling really morally conflicted about it because I believe we have to support NHS (and hold the NHS to a high standard). But I have to trust the people who are cutting open my body.
    Mortgage in July 2023: £84206
    Mortgage in September 2025: £67728






  • Oh wow, I'm so sorry to hear of the failed op and (I think) quite shocking behaviour...what happened to patient care?! I think you've made the right decision to go private (thank goodness for Insurance). I hope it all goes okay and works and you're healing very soon. Do you have to wait long for the op privately? 
    Mortgage Overpayments 2024/25 - September-December, £152.46. J- £103.27, F- £115, M- £91.50, A- £100, M- £200, J- £200. J- £200. A-£200, S- £221.34
    Total- £1583.67
    Goal pay off 1% of current mortgage in 1 year. £1650

    EF- £342.41/500
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