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Steadily climbing the mountain, enjoying the view along the way

1606163656677

Comments

  • KajiKita
    KajiKita Posts: 10,085 Forumite
    10,000 Posts Fifth Anniversary Name Dropper Photogenic

    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. 
  • debtfreewannabe321
    debtfreewannabe321 Posts: 10,694 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic

    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 14/24

  • beanielou
    beanielou Posts: 99,566 Ambassador
    Part of the Furniture 10,000 Posts Academoney Grad Mortgage-free Glee!

    Great OP’s. Well done on MIL.

    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.
  • PennysIntoPounds
    PennysIntoPounds Posts: 6,556 Forumite
    1,000 Posts Third Anniversary Photogenic Name Dropper

    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!

  • Watty1
    Watty1 Posts: 8,233 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Combo Breaker

    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 !!
  • ladybird1106
    ladybird1106 Posts: 1,283 Forumite
    1,000 Posts Second Anniversary Photogenic Name Dropper

    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 £39.53
  • Watty1
    Watty1 Posts: 8,233 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Combo Breaker

    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 !!
  • Brie
    Brie Posts: 16,944 Ambassador
    Part of the Furniture 10,000 Posts Photogenic Name Dropper

    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.

    Click on this link for a Statement of Accounts that can be posted on the DebtFree Wannabe board:  https://lemonfool.co.uk/financecalculators/soa.php

    Check your state pension on: Check your State Pension forecast - GOV.UK

    "Never retract, never explain, never apologise; get things done and let them howl.”  Nellie McClung
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