to cash in dd's premium bonds

(55 Posts)
vitalia Thu 26-Dec-13 09:42:01

My fil buys our dc' s premium bonds every birthday and christmas.
My dd is 3.5 and is on the waiting list for nhs speech therapy. We have finished the listening group, and now there is a nine month waiting list for the next group. (She starts reception in September)
The nhs assessor made no bones about how rubbish the nhs system was now and how it's difficult to get good results when children are in groups with long waiting lists between each block of sessions.
We got on really well with the nhs assessor and asked her if she would teach our dd privately.
Money is as always tight, but we feel our dd would suffer at school if we don't start tackling her speech problems.
Would we be unreasonable to cash in some of her premium bonds to enable her to have private speech therapy?
We also save monthly for our dc' s, and of course would put the money back when we are able.

SuburbanRhonda Sun 29-Dec-13 13:05:55

Wrt the poster upthread who suggested looking into a school with a specialist S&L centre, it may not be as simple as just applying there.

We have such a centre in our school and every child in it has a statement of SEN, with S&L listed as their primary need. Simply having a need for speech therapy would not in itself qualify a child for a place here.

mousmous Sun 29-Dec-13 12:56:38

great update.
what a lucky child to have such a generous grandfather!

HoHoHopelessAtNamingBabies Sun 29-Dec-13 10:57:41

Great news. Wishing your DD all the best for speedy progress!

Bryzoan Sun 29-Dec-13 10:35:03

Really pleased to hear this outcome. I also would have said do it. Our local nhs salt provision is also woeful (in availability rather than quality) and private therapy has madeq huge difference to dd who is now 3.5 and has gone from completely non verbal to a wide range of single word attempts with intensive fortnightly therapy and a lot if home practice daily over a year. We could not have made a better investment. It makes me so sad that this isn't available on the nhs everywhere it is needed.

wonderstuff Sun 29-Dec-13 00:17:08

YANBU, but I would speak to your fil.

annielouisa Sun 29-Dec-13 00:12:04

Good luck to ypur DD with the therapy and it is lovely to hear a positive story about in-laws.

AlbertoFrog Sun 29-Dec-13 00:03:17

So pleased for you all and how lovely to hear a positive in-law story. What a wonderful man your FIL sounds.

I truly hope your DD comes on leaps and bounds. If ever there was something worth spending money on then surely it's this.

Good luck OP.

TreaterAnita Sat 28-Dec-13 23:42:01

Was just about to post to say that I wouldn't hesitate when I read your update. What a great outcome and what a fantastic FIL you have.

ThreeWisePerpendicularVinces Sat 28-Dec-13 22:25:52

Excellent, what a lovely FIL you have!

WilsonFrickett Sat 28-Dec-13 22:23:35

Lovely! And thanks for updating smile

ChristmasDayIsAGoodDay Sat 28-Dec-13 20:12:35

Excellent, thanks for updating too!

Snoopingforsoup Sat 28-Dec-13 18:45:17

Fantastic news OP

Eastpoint Sat 28-Dec-13 18:18:48

Great news, so glad you asked him & you have such good news.

Blondeshavemorefun Sat 28-Dec-13 17:46:03

lovely outcome

thank you for updating - too many on mn dont

MyPrettyToes Sat 28-Dec-13 17:32:03

Brilliant! Excellent. So very, very pleased for you and especially your daughter. What an awesome FIL you have.

vitalia Sat 28-Dec-13 17:19:50

Just an update- we asked fil if he'd mind us cashing in some of dd's premium bonds and he said of course not. We can use them for whatever we like.
He then phoned the next day to say he would pay for dd to have ten sessions. Which is an amazing outcome smile
Thanks for all your replies

DorisButtons Fri 27-Dec-13 06:28:09

I would. This money is for her future and speech is an aspect of this. Fwiw, my son has private speech therapy - no thanks nhs!

vitalia Fri 27-Dec-13 06:16:33

Thank you all for your replies, my dh is going to speak to fil about it this week out of courtesy.
We will definitely be in a position to make her premium bonds the same as her siblings by the time she's 16 so we're going to use them now while she needs it.

steff13 Fri 27-Dec-13 05:53:13

My daughter started speech therapy when she was 2.5. She had a series of ear infections that affected her hearing, which resulted in a significant speech delay. She was 3 in September, and the difference she experienced in just a couple of months of therapy (1x weekly) has been amazing.

Our insurance covered her therapy, but if it hadn't, we definitely would have cashed in savings or bonds or whatever to fund it. I would do it without hesitation.

ChristmasDayIsAGoodDay Thu 26-Dec-13 20:48:49

jinglemybells I don't see your problem - isn't that the whole idea of forums like mumsnet?

ChristmasDayIsAGoodDay Thu 26-Dec-13 20:47:22

Agree with MeMySonAndI . The therapy is a form of investment, in your dd's future development.
FWIW, if I was your FIL I would give the idea my blessing, but would appreciate being informed.

MeMySonAndI Thu 26-Dec-13 20:34:07

Never underestimate the power of early intervention, waiting for the help to come may mean that the opportunities to sort the problem get substantially reduced.

If he needs the therapy now, don't fret. More positive results may come from the money being spent now than 20 years down the line.

Anomaly Thu 26-Dec-13 20:19:18

I think you'd be crazy not to use the money. Its hers and she needs the therapy. I wouldn't discuss it with fil. I would just get on and do it.

HappyMummyOfOne Thu 26-Dec-13 20:06:17

Given you didnt buy them, they are not yours and you cant replace the money for some years i think its the wrong thing to do. You need to ask your FIL but it seems very unfair to expect your dd to fund her our course of therapy. I'd give up all extras, take on extra hours etc before making DS pay for his own treatment.

MeMySonAndI Thu 26-Dec-13 20:04:01

I think you should cash them and not bother about upsetting your fil by telling him about it.

There are problems that can be sorted before they get to a certain age and after that become very resistant. If your DD's is one of those, I'll rather use the money now than having her lagging behind in school in a long term basis because she didn't receive the support she needed at a time she was more receptive to it.

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