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

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Comments

  • tiddles
    tiddles Posts: 527 Forumite
    Part of the Furniture 500 Posts Photogenic Name Dropper

    I hope all goes well for you, SL xx

  • trix-a-belle
    trix-a-belle Posts: 1,553 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Mortgage-free Glee!
    edited 10 February at 7:46PM

    You are in my thoughts, & I am squarely with you on the one part vs holistic frustration, it has been the route of many evils for me for several years now & why I've ended up doing so much research and trial & error myself. The other gem i've had is trying to scare with research papers and medical thinking that are nearly 15 years old and has long since been disproven.

    - Mortgage: 1st one down, 2nd also busted
    - Student Loan gone
    Swagbucks, Mingle, GiffGaff, Prolific, Qmee & Quidco; thank you MSE every little bit helps
  • rtandon27
    rtandon27 Posts: 6,609 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Photogenic

    Sending supportive vibes to you SL & agreeing 100% with the holistic approach to your care.

    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)
    Original End Date - Sept 2041 New projection - Dec 2039 (reduced by 21 months)
  • KajiKita
    KajiKita Posts: 9,916 Forumite
    Fifth Anniversary 1,000 Posts Name Dropper Photogenic

    Wow, that was quite a conversation you had with him. Well done for holding your own. So relieved that it doesn't seem to be scary-urgent and you can do things at a pace that suits you.

    Sending hugs for any after-effects for all the adrenaline etc. x

    KK

    As at 17.03.26:
    - When bought house £315,995 mortgage debt and end date at start = October 2039 - now £219,071
    - OPs to mortgage = £17,793 Estd. interest saved = £9,021 to date
    c. 16 months reduction in term
    Fixed rate 3.85% ends October 2030

    Read 26 books of target 52 in 2026 as @ 12th April. 
    Produce tracker: £78 of £400 in 2026

    Watch your thoughts, they become your words.
    Watch your words, they become your actions. 
    Watch your actions, they become your reality. 
  • Watty1
    Watty1 Posts: 8,102 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Combo Breaker

    I am in awe that you were articulate in a very stressful situation, spoke up for yourself and had a consultant that listened. Great job advocating for you.

    I know this will have been stressful, but, great job. Sending positive vibes.

    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 !!
  • Merlin's_Beard
    Merlin's_Beard Posts: 1,716 Forumite
    Eighth Anniversary 1,000 Posts Photogenic Name Dropper

    Well done to both of you for having a productive conversation that took everything into account, up to and including the bees. Sounds like you held your own well and he respected that!

    Start mortgage date: August 2022; Start mortgage amount: £240,999; Original mortgage free date: August 2056
    Current mortgage amount: £224,460.73
    Start student loan 2012: £29,750; current student loan: CLEARED July 2025
    Unread owned books Jan 2026: 256
    Undone crafts 2026: +1
  • EssexHebridean
    EssexHebridean Posts: 25,886 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic

    Well done you for advocating so well for yourself - but you do have to question why on EARTH an apparent medical professional in a women's health area is asking why someone is "still" on HRT - it shouldn't be any sort of mystery to him what the benefits of this are for pretty much anyone, and specifically someone with your history! I'm glad he listened, and was reassuring and positive, but that sort of comment might make a less well informed woman think "perhaps I should stop it" - which would almost certainly be a bad idea!

    🎉 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
    Balance as at 31/08/25 = £ 95,450.00. Balance as at 31/12/25 = £ 91,100.00
    SOA CALCULATOR (for DFW newbies): SOA Calculator
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  • beanielou
    beanielou Posts: 99,194 Ambassador
    Part of the Furniture 10,000 Posts Academoney Grad Mortgage-free Glee!

    Glad that your consultation went 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*** in ~~Japanese proverb.
    ***Keep plodding*** Out of debt, out of danger.
    One debt remaining. Home improvement loan. 19months left.
  • thriftmonster
    thriftmonster Posts: 1,821 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Photogenic

    Glad that you were listened to and that there is a result you are ok with.

    “the princess jumped from the tower & she learned that she could fly all along. she never needed those wings.”
    Amanda Lovelace, The Princess Saves Herself in this One
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