Hello from the haddock

Smoked_Haddock

deleted....

Smoked_Haddock

deleted.... I'm worried i posted too much info. Am going to go now. thanks for your advice which has, really, been very helpful.

Iris_Blue

I don't know why you would think that. You deleted it but didn't say anything that would identify you.

Smoked_Haddock

Iris, it is such personal stuff. My OH doesn't know I am posting here. It is the heart of our worries and dreams. Maybe need to catch up with some friends but never seems to be time

For a while am going to read & not post I think

Iris_Blue

You sound very stressed about it all. You can only do what you can do.

I think you need to write it all down, maybe here , maybe not but it'll help get it off your chest.

Smoked_Haddock

Good gracious Iris, you have 6 kids??? I take it off to you. That has made me feel more at ease with the world already! Much respect

Iris_Blue

Lol thanks.

It surprises me sometimes when I say I have 6. It sounds a lot but it isn't really.

You've had some good advice here you know, you should take it. I take it your OH doesn't know how you feel ?

Smoked_Haddock

I don't know how I feel

Iris_Blue

You don't sound like your in a good place

Smoked_Haddock

Iris, yes, that was the reason for posting on here really. It's difficult to know what to do. But posting here has already revealed to me some things our IFA did not tell us. It is coming clearer but I have said enough probably.

Mortgage free wannabees - a great tip on the retirement thread (& apologise if as a newbie I am teaching anyone to suck eggs) it may make more sense to overpay your pension than your mortgage. Payments into your pension are subject to tax relief, whereas mortgage payments are not. Your lump sum is tax free and you can use it to pay off the mortgage.