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Progress is...
Comments
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Glad the arm is starting to recover 😊
KKAs at 15.09.25:
- When bought house £315,995 mortgage debt and end date at start = October 2039 - now £230,969
- OPs to mortgage = £12,270 Interest saved £5,816 to date
Fixed rate 3.85% ends October 2030
Read 51 books of target 52 in 2025, as @ 17th September
Produce tracker: £389 of £300 in 2025
Watch your thoughts, they become your words.
Watch your words, they become your actions.Watch your actions, they become your reality.3 -
🤦
The incompetence of NHS administrators astounds me!
It's no wonder most consultants also have private practices.
Once the steam stops emanating from my ears I'll elaborate!!!4 YEARS 10 MONTHS DEBT FREE!!! (24 OCT 2016)(With heartfelt thanks to those who have gone before us & their indubitable generosity.)...and now I have a mortgage! (23 AUG 2021)New projection - 14 YEARS 7 MONTHS LEFT OF 20 YEARS (reduced by 17 mths)Psst...I may have started a diary!3 -
rtandon27 said:
🤦
The incompetence of NHS administrators astounds me!
It's no wonder most consultants also have private practices.
Once the steam stops emanating from my ears I'll elaborate!!!
While there's a lot of pressure on the NHS, some of it is self-generated.3 -
5 hours later & I'm still steaming! - probably because I'm in the office today & can't write my letter of complaint - SIGH
@greenbee - indeed you did tell me about Mum's appointment mix-up! Just shameful and entirely unprofessional!
Honestly, I have zero sympathy for NHS pressures after witnessing and experiencing more incompetence than anyone should have to put up with. Having access to private healthcare, and having also dealt with the public healthcare 'across the pond', means that my bar for acceptable care is set pretty high.4 YEARS 10 MONTHS DEBT FREE!!! (24 OCT 2016)(With heartfelt thanks to those who have gone before us & their indubitable generosity.)...and now I have a mortgage! (23 AUG 2021)New projection - 14 YEARS 7 MONTHS LEFT OF 20 YEARS (reduced by 17 mths)Psst...I may have started a diary!1 -
I am very interested to read about things with the NHS. I have been to 2 local ones both below the 100 so not very good. Despite going every 3 months for a few years I have had absolutely no issues, never even had an appointment run more than 5 minutes late which is nothing. I have seen people turn up for their appointments more than 5 mins late though. I was sitting near reception at my last appt 2.20 for a 2.30 appt & someone came in for their 1.30 appt. I wouldn't be surprised if they complained because I went in before them. Reception didn't even frown so it must be the norm.I don't agree with paying but sometimes wonder if we should pay a deposit & if we just don't turn up we should lose it & get it back if we do attend. They didn't even say sorry we got the time wrong or we got held up or our transport didn't turn up. Zilch.3
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Great to hear re your sub 150k mortgage & seeing the interest being paid drop
so sorry to read re your travel experience - hope you feel better
your to do lists remind me of mine - so long I am not sure I want to tackle themDON'T BUY STUFF (from Frugalwoods)
No seriously, just don’t buy things. 99% of our success with our savings rate is attributed to the fact that we don’t buy things... You can and should take advantage of discounts.... But at the end of the day, the only way to truly save money is to not buy stuff. Money doesn’t walk out of your wallet on its own accord.
https://forums.moneysavingexpert.com/discussion/6289577/future-proofing-my-life-deposit-saving-then-mfw-journey-in-under-13-years#latest3 -
Well what can I say about our local NHS hospital administrators that the filters won't catch? Two letters received today, both dated Monday, one sent Monday & one sent Tuesday. As of OH's conversation with them on Monday, both were sent to us last week. I know our RM can be patchy but this is the admin's excuse with every follow-up letter! Even the ones they sent, with a cc to our old GP (over 4 years ago) in stead of our new GP (since '21). They are just not sending them out - our GP confirmed this to me on Tues morn when she confirmed she only received the letters electronically after we had chased up the communication. Lying tarts (that's the polite version).
@badmemory - if universal healthcare in the UK was up to the standards of other contries with social systems then I'd agree with you about not paying, but for me the private healthcare is a taxable benifit added to my compensation package so I have no reason not to make full use of it.
@LadyWithAPlan - I'm a fan of lists! They are a great way to created space in the brain to focus on things that are infinately more important than the fleeting thoughts & worries! I find that because I work long hours, most of my brain power is taken up by paid work. Those home things only get done when I get the out of my head and onto paper. Unlike work they do not generally have deadlines, so get done when life allows!
4 YEARS 10 MONTHS DEBT FREE!!! (24 OCT 2016)(With heartfelt thanks to those who have gone before us & their indubitable generosity.)...and now I have a mortgage! (23 AUG 2021)New projection - 14 YEARS 7 MONTHS LEFT OF 20 YEARS (reduced by 17 mths)Psst...I may have started a diary!2 -
Yes I had private healthcare some time ago & I used it too & would again. It was certainly better than having to be off work waiting if you are too unwell. Better for the employer too. I got my last op whilst I was still working in less than 6 months before they stopped both that & reduced paid sick leave too.3
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A couple of days late, but have paid 7of10 of the mortgage overpayments for this year. Looking at our financial situation, I could atm pay off the entire mortgage and have 6 months of expenses in the bank. It also means I could pay off my mortgage and then go down to 4 days a week permenantly should it be needed!
Progress is...
...knowing that if push came to shove, I could quit and still be 'OK'...
...life would be decidedly boring, but I could escape the rat race!4 YEARS 10 MONTHS DEBT FREE!!! (24 OCT 2016)(With heartfelt thanks to those who have gone before us & their indubitable generosity.)...and now I have a mortgage! (23 AUG 2021)New projection - 14 YEARS 7 MONTHS LEFT OF 20 YEARS (reduced by 17 mths)Psst...I may have started a diary!10 -
That's a real achievement! Well done. I really, really need to do a proper financial review.3
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