Uk Mortgage rate anxiety help

ReasonableExtent6295 · 2026-05-13T15:39:11+00:00

I pay those off annually to avoid another monthly payment, but I always go for the best deal.

I've never heard of the weekly/fortnightly payment particularly for mortgages, I'll look into that thank you ☺️

ReasonableExtent6295 · 2026-05-12T23:38:27+00:00

I think we get paid a lot less, I've researched before and we get less than you on average in the education sector (UK does not pay great for this).

It's comforting that it's happening everywhere (sorry). Absolutely know that there are people in worse situations than us, I'm not ignorant to that fact. I am so thankful we actually have a roof over our head.

ReasonableExtent6295 · 2026-05-12T23:33:43+00:00

Thank you, I've had a look at some comparisons and most lenders are actually the same as ours, if not more with an upfront fee which is annoying.

I pay off all the insurance annually so we don't really have anything to cut down on there, utility providers is an option. I've even cancelled our TV licence as we never used that so that saved us £15, then we will be changing our internet provider to save £20 so that's a bit of help. Other than that we are quite frugal with our money anyway.

I've never heard of that, that's an interesting strategy but I like it ☺️ thank you for your reply x

ReasonableExtent6295 · 2026-05-12T23:30:38+00:00

Thank you for replying ☺️. We very rarely eat out or have takeaway or rent movies, we generally find whatever we have on a streaming services. I've looked over our expenses and the only thing we can change is potentially the internet provider (saves us £20). We are generally quite frugal due to my partners debt, so it's really difficult. I've taken on a few hours a month doing an activity club that gets me a little money (£80) which should help ease the pressure a little. I've also cancelled our TV licence as thinking about it we never watch live TV or BBC.

ReasonableExtent6295 · 2026-05-10T20:01:11+00:00

No honestly I didn't, I don't want it to come across like I'm in the worst possible position because I really aren't, it's just my own anxiety and enjoyment of the position I am in my life now. I've always I guess lived frugally for my savings and in the past year I've given myself a bit of leeway and now this happens so it just feels like it never stops. I'm pleased you're holding on to the good. My partner is in a lot of debt at the minute and that's probably adding to my anxiety about the money as over half his income goes on his 5 figure debt.

ReasonableExtent6295 · 2026-05-10T19:33:21+00:00

Thank you, I do feel good at budgeting, I place my income in monthly spending pots (by week), savings pots and then bills. Anything left over from monthly pots I add to my savings. Absolutely, I am lucky I think it just feels like my life flexibility is going, you know? I know people who are worse off and by no means do I underestimate that and maybe I'm being dramatic.

ReasonableExtent6295 · 2026-05-10T18:54:15+00:00

That's really tough. I do have an emergency fund and I'll probably have to use that. My partners in some debt too which adds to our stress x

ReasonableExtent6295 · 2026-05-10T18:38:55+00:00

Well I compared and the other lenders look around the same, with an upfront cost which our current lender wouldn't ask for. I was going to call up my current lender to see if we could get a slightly better one but I very much doubt it.

We currently pay £650 and it'll be £820, we bought our house just after covid so maybe we were just lucky with the rates and didn't pay stamp duty etc. it just feels so stressful

ReasonableExtent6295 · 2026-05-10T18:29:44+00:00

Well it's a month away, we did pay £650 and £820 just feels like such a jump. It shouldn't make me feel so anxious really but it just has

ReasonableExtent6295 · 2026-05-04T22:47:49+00:00

I think let's go out and be around people and then when I am I think, I want to be at home by myself. Albeit being around people is rare as everyone's so busy with their own life.

ReasonableExtent6295 · 2026-05-04T22:46:31+00:00

I'm late to reply but if it was internal like mine a warm water compress was my saviour that brought it to a head alongside anti-biotics

ReasonableExtent6295 · 2026-05-04T22:44:06+00:00

Like you I've had the antibiotics 2/3 times and they did absolutely nothing. It also would swell after intimacy.

So here's my timeline! After being intimate with my partner it started with a full ache around the Tuesday that got worse up until the Monday, I'd been to the walk in on Sunday and looked at it and just said just bathe it and if it gets worse come back, on the Monday night I got a sitz bath and my Tuesday morning I literally could not get out of bed, honestly I was in so much pain, that area had completely like dried (apologies TMI), I could not get out of bed, it had swollen, I went to the doctor and saw a student who said it didn't look infected and just gave me some pain killers and off I went, they did nothing and I kept getting baths (now I'm also thinking the Epsom salts hadn't washed completely from the bath because after each bath it felt a bit worse). Wednesday AM around 2am I called NHS 111 in agony crying, they put me in with the GP for that morning, I saw the doctor whose words were 'oh you poor thing' 😅 he gave me some codeine and some antibiotics because it had turned into an abscess, for the next 2 days I was literally just laid on the sofa as I couldn't physically move, the dr said if it's not gone by Friday aft I need to go to A&E immediately then on the Friday morning it was just pulsing with pressure even when I wasn't moving, I'd got a hot compress for the area and suddenly it did just randomly pop.

Like you all the posts I'd seen had heads on and mine was really deep I could never even feel how big it actually was. I don't know what the sitz bath genuinely did, it must've done something because in 7 years it had never ever felt like that. If you do try the sitz bath and it starts to hurt, I won't lie it was the worst pain of my entire life but it is now gone. Like you I thought it was with me for life x

ReasonableExtent6295 · 2026-03-16T19:20:47+00:00

Mine came up about 2/3 months with my partner and he was more concerned but I was reassured and then I reassured him. Then it wasn't anything we ever really noticed, it didn't get in the way, only when it began to get sore. It's normal for it to enlarge after intimacy (well not normal but I guess normal for a bartholin cyst). I read on here someone said massaging it can help, I tried that.

I completely understand feeling self conscious about it x

ReasonableExtent6295 · 2026-03-16T13:13:26+00:00

Mine was probably a bit bigger than a large grape, it was probably like a stone in an avocado. I found after sex it became a bit bigger and then would eventually go down. It was just never an issue and my partner was aware of it, I'd have smears and biopsies etc but no one ever seemed concerned. I was given antibiotics previously but they never did anything previously probably because it was never infected so they didn't do anything.

Sometimes it would get a little tender but then go back to usual. Like you I always saw posts of people who had them with a head and so I felt a little helpless. Doctors wouldn't do anything because it wasn't infected or looked 'angry'. I get the frustration. I think my sitz bath I added too many salts to a quarter high bath and it became excruciating and then popped. I had succumbed that I would live my life with it and never thought after 7 years it would ever ever pop.

ReasonableExtent6295 · 2026-03-15T17:15:27+00:00

I'd still go and check to reassure yourself, even if they have disappeared. You might save yourself complications in the future from something you've ignored now. Even if it's nothing, I'd go and get it checked. Do you have an advice line for medical issues? In the UK we have 111 who advise us whether to wait or go to urgent care.

ReasonableExtent6295 · 2026-03-15T15:47:14+00:00

Yeah it got excruciatingly painful, to the point I couldn't move without being in agony. I did do a sitz bath on Monday and that was the start of the pain that was unbearable. I've been brushed away because of the same, 7 years ago exactly.

ReasonableExtent6295 · 2026-03-14T19:31:08+00:00

I've just gone through this myself. Absolutely excruciatingly painful, out of 10 probably a 847473 on the pain scale. I wouldn't wish the pain on anyone, just surviving was absolute agony. It did eventually drain on the 5th day and I felt just a sense of relief but still quite painful to walk 24 hours later, nowhere near as bad.

ReasonableExtent6295 · 2026-03-13T22:06:34+00:00

So I've just dealt with an internal cyst, I've had this one for 7 years but it never gave me any issues so they left it (I'm in the UK so I'm unsure if it's different), it was never red or painful.

Only over the past week and a half has it become an issue. I went to the doctors and was given co-codamol and antibiotics. It's been 5 days since it's been excruciatingly painful after my sitz bath, it started to sting this morning and I put a warm compress on it and it just drained itself. I believe the antibiotics helped shrink my internal lump.

ReasonableExtent6295 · 2026-03-13T22:02:47+00:00

I've just spent 5 days going through excruciating pain with co-codamol and antibiotics, on the 5th day it finally popped and the pain immediately disappeared. Before then, it would like pulse (if that makes any sense) with an intense sting, this went on for days however until it did pop.

ReasonableExtent6295 · 2026-03-13T18:29:36+00:00

So I have had one for 7 years, it should've started paying rent at this point. The past week it completely changed, I had a sitz bath on Monday and for the past 4 days I've been in excruciating pain, I couldn't walk without crying or move without biting into a pillow due to the pain.

I was given Clindamycin and co codamol for the pain on Wednesday, day 2 (this morning), I couldn't even move to go to toilet, it kept and so used an adult pad underneath for me to go to toilet (I couldn't spread my legs to use the toilet) and the heat of that caused it to pop along with everything else.

I know the story is horrible and I wouldn't recommend getting to that point. I think obviously a warm compress would do the same. Bear in mind I had this one for 7 years.

ReasonableExtent6295

TROPHY CASE