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Steadily climbing the mountain, enjoying the view along the way
Comments
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I’m using BetterHelp. It’s an online counselling service, though I choose video calls for my sessions rather than chat. They recommend counsellors to you after you fill in quite a detailed questionnaire. You don’t have to accept the first one they offer. You can specify male / female etc.
KK
As at 17.04.26:
- When bought house £315,995 mortgage debt and end date at start = October 2039 - now £216,847
- OPs to mortgage = £18,925 Estd. interest saved = £9,670 to date
c. 16 months reduction in term
Fixed rate 3.85% ends October 2030
Read 31 books of target 52 in 2026 as @ 7th May.
Produce tracker: £108 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.4 -
Thanks @Brie 😊 It was an overwhelming volume of information …
No sorry, it wasn’t 😊 It was Diamond Light near Oxford. It was fascinating but because the guy showing us around is very much on the engineering side (making the ideas of the physicists manifest) he couldn’t tell us much about the actual experiments 🤷♀️😉
Saturday was complex but all the plans worked, however it meant we were on the go from 7.30am to 8pm when the Sainsbury shop got put away …
Sunday was dominated by lunch for MiL who frustrated me so much at one point in the early afternoon that I just walked away … Apart from that I behaved impeccably, and I think I have many brownie points with Mr KK now … 😉
Did some training yesterday as well as my rehab and my shoulder didn’t really react! 😊🎉🎊👏🤩 Physio tomorrow and I’m slightly dreading it as there is a trigger point in my armpit which is gonna be super painful to work… 😳😢
Had the monthly OP of £110 come out of our joint account today and have swished £1000 off to an OP from my mother’s annual gift 😊❤️
KK
As at 17.04.26:
- When bought house £315,995 mortgage debt and end date at start = October 2039 - now £216,847
- OPs to mortgage = £18,925 Estd. interest saved = £9,670 to date
c. 16 months reduction in term
Fixed rate 3.85% ends October 2030
Read 31 books of target 52 in 2026 as @ 7th May.
Produce tracker: £108 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.6 -
Well done on navigating a day with MIL and also the OPs 😁
Emergency Fund goal - £1000/2000
Mortgage OP goal 2026 - £1200/£4500
Read 24 books this year 14/242 -
Great OP’s. Well done on MIL.
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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.2 -
What a lovely annual gift!
Great news on the shoulder with training and rehab. Don't dread the physio, that's what it's there for, to help you find ways through the pain
I love that Diamond Light is so intellectual and fancy and futuristic and still sounds like the drink of choice for skint teenagers on a park bench, it makes me smile every time I hear the name
Well done on just about tolerating MiL. Mr KK can count himself lucky you didn't keep on walking!
https://forums.moneysavingexpert.com/discussion/6466032/an-in-between-phase/p1
'aggressive safety shot' Ken Doherty1 -
Ah someone mentioned Better Help to me - second mention (pays attention) 😀 Nice overpayment and well done with MIL.
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 !!2 -
The youngest paid for counselling via betterhelp. I was really impressed when the counsellor recommended that they stop paying for sessions as the youngest had achieved what they wanted to and felt better. Obviously said if you need to come back we’re here.
love 🐞Declutter 984/2026
£62.30 saved by growing and eating my own 2026
books read 5 in 2026
£185 🥳 funpot
🐞change pot £39.534 -
Now that is a great review ladybird. Thank you.
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 !!2 -
I often wonder about counselling but didn't like the sessions I had a few years back (free via work) and cancelled them. The counsellor didn't want to discuss things I was concerned about - possibly that was a better way of approaching my concerns but the whole thing made me anxious which seemed counterproductive. I roll this over in my brain occasionally and wonder why it can't be more like talking to a close trusted friend instead of someone being so analytical. Likely I'm missing the point on something somewhere.
I’m a Forum Ambassador and I support the Forum Team on Debt Free Wannabe, Old Style Money Saving and Pensions boards. If you need any help on these boards, do let me know. Please note that Ambassadors are not moderators. Any posts 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 and not the official line of MoneySavingExpert.
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"Never retract, never explain, never apologise; get things done and let them howl.” Nellie McClung
⭐️🏅😇🏅🏅🏅🏅🏅2 -
Thank you for the cheering on @debtfreewannabe321, @beanielou, @Watty1, @PennysIntoPounds and yes, I get the head in two places thing with Diamond Light! 😉😊
I’m glad your youngest had a positive experience with BH @ladybird1106 😊
@Brie you had a counsellor who didn’t suit you (at all!). My current counsellor is very keen for sessions / the process to be client led. If you feel counselling might help you, I would try again …
Physio today was brutal … He worked a trigger point under my arm, at the top of my rib cage and judging by the size of it and the intensity of the response, it had been there for a long time. I suspect it will need working again next week, but hopefully won’t be quite as grim …
I have a mystery in my greenhouse. Somebody, unknown, has eaten out the top of one of my cauliflower plants in there (don’t ask 😂) but not the other plant on the other side of greenhouse which is just as accessible … Not sure who, as it is c. 2 feet in the air (tall plant) and the doors are shut at night so I don’t think it would be deer …? 🤔 Thoughts?
KKAs at 17.04.26:
- When bought house £315,995 mortgage debt and end date at start = October 2039 - now £216,847
- OPs to mortgage = £18,925 Estd. interest saved = £9,670 to date
c. 16 months reduction in term
Fixed rate 3.85% ends October 2030
Read 31 books of target 52 in 2026 as @ 7th May.
Produce tracker: £108 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.5
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