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Next steps; grip-relaxing bimbling, and avoiding the temptations

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  • Watty1
    Watty1 Posts: 6,770 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Combo Breaker
    What a lovely catch up.  Enjoy the day.
    Made it to mortgage free but what a muddle that became

    In the event the proverbial hits the fan then co-habitees are better stashing their cash than being mortgage free !!
  • Suffolk_lass
    Suffolk_lass Posts: 10,274 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Ooh and thanks @Spendywendywoo - good to see you back posting again!
    Save £12k in 2025 #2 I am at £4863.32 out of £6000 after May (81.05%)
    OS Grocery Challenge in 2025 I am at £1286.68/£3000 or 42.89% of my annual spend so far
    I also Reverse Meal Plan on that thread and grow much of our own premium price fruit and veg, joining in on the Grow your own thread
    My new diary is here
  • Makingabobor2
    Makingabobor2 Posts: 4,200 Forumite
    1,000 Posts Second Anniversary Photogenic Name Dropper
    Gosh you have been busy
    Making the debt go down and savings go up

    LBM 2015 - debt £57K / Now £28,744....its going down

     Mortgage Free December 9th 2024! 
    18mths ahead of schedule.  Since 2022 we paid over £15K in OPs.

    Challenges

    EF #68  £500/£3000
    .
    Fiver Friday '25 #10 £15

    Studies/surveys  July £72.46

    Decluttering items 754

    Books read    12
    Jigsaws done  8

    My debt free diary...https://forums.moneysavingexpert.com/discussion/6396218/we-will-get-this-debt-d£own-the-savings-up


  • foxgloves
    foxgloves Posts: 12,557 Forumite
    Part of the Furniture 10,000 Posts Name Dropper
    How very odd not to have included all those serious details in Mr SL's hospital letter. 
    F
    2025's challenges: 1) To fill our 10 Savings Pots to their healthiest level ever
    2) To read 100 books (36/100) 3) The Shrinking of Foxgloves 6.5kg/30kg

    "Life can only be understood backwards but it must be lived forwards" (Soren Kirkegaard 1813-55)
  • EssexHebridean
    EssexHebridean Posts: 24,424 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    That’s appalling of the hospital SL. You have probably already thought of it but that letter to the consultant copied to the hospital PALS group might be a plan. Imagine if the surgery had been left that in the dark, which with someone less proactive they may well have been! 
    🎉 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
    £100k barrier broken 1/4/25
    SOA CALCULATOR (for DFW newbies): SOA Calculator
    she/her
  • rtandon27
    rtandon27 Posts: 5,640 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Photogenic
    SL - the omission from the report is negligence, no two ways about it.  Please do write a letter of complaint and have a copy kept on Mr SL's medical file with his doctor.
    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 10 MONTHS LEFT OF 20 YEARS (reduced by 15 mths)
    Psst...I may have started a diary!
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