In the nick of time

Options
1188189191193194196

Comments

  • CathT
    CathT Posts: 7,117 Forumite
    First Anniversary Name Dropper First Post
    Options
    Lovey crochet items MFD, must help with relaxation and mindfulness too. 
    May 2024 - part 1 - £29,628 part 2 - £24,612 Total - £54,240 42 months to go!
  • savingholmes
    savingholmes Posts: 27,504 Forumite
    Name Dropper First Anniversary Photogenic First Post
    Options
    The crocheting looks lovely - I especially love the emerald and white cardi
    Achieve FIRE/Mortgage Neutrality by mid 2030
    1) MFW Nov 21 £201,999 with 237 payments to go - now £183,754 Equity 26.5%
    2) Spend on handyman & external building works & new patio door £12.65K
    3) CC £5.1K on 0% spends card but offset by £34.5K savings (part EF, part future home improvement)
    4) Mortgage neutral by June 2030 AVC £9.6K/£127.5K AVC target 7.5% value at 15/4
    5) FI Age 60 annual income target £13.7/30K 45.7%
  • LeighofMar
    LeighofMar Posts: 672 Forumite
    First Anniversary First Post Name Dropper
    Options
    The crochet bunny is just too sweet. Love it. 
    Mortgage start date Dec 2015 - $64,655.00
    Mortgage end date Dec 2045 - NOT!!!!
    Mortgage balance  - $4600.00
    Business Savings $43,310/100k
    Hope to be mortgage-free by end of 2023 
  • killerpeaty
    killerpeaty Posts: 2,649 Forumite
    First Anniversary Name Dropper First Post
    Options
    You're so organized, I love it.

    I'm glad you're feeling a bit calmer, just remember that if you feel less so in the future then it's still okay! Ups and downs are to be expected.

  • Tahlullah.H
    Tahlullah.H Posts: 1,227 Forumite
    First Anniversary First Post Name Dropper
    Options
    Is OH offering more than he did previously, which is why he feels its a fair amount?  Do you feel up to the challenge of detailing why he is not contributing fairly?  Sometimes, it's easier to go with the flow rather than get into another battle.

    Good news the alcohol consumption appears to have reduced.
    What I do not give, you must never take by force.
    Mortgage outstanding - 30/12/22 - £25,900. 31/01/23 - £22,300. 28/02/23 - £20,500. 31/03/23 - £17,500. 30/04/23 - £15,800. 30/05/23 - £13,800. 31/06/23 - £11,300. 31/07/23 - £9,800. 31/08/23 - £8,300. 30/09/23 - £6,000. 31/10/23 - £3,000. 30/11/23 - £1,200. 06/12/23 - £00.00
    God save us everyone, As we burn inside the fire of a thousand suns, For the sins of our hands, The sins of our tongues, The sins of our fathers, The sins of our young.
    Linkin Park
  • Moneyfordreams
    Moneyfordreams Posts: 2,442 Forumite
    First Anniversary Name Dropper First Post
    edited 1 August 2023 at 10:48AM
    Options
    This week is on the whole a lot better than last - i just hope it continues as I felt better last month and then got hit with more drama. I have said once or twice that I will reach the end of my rope at some point, so he needs to pull himself together. His mood seems totally normal, not low, but I'm cautious of dismissing something as much as I'm suspicious of him. 

    I've just deleted a big explaining post that put OH is an even worse light around the bankruptcy episode - on the whole he has probably averaged around £600 per month. I was fine with that when I thought he was my partner in life. Now I wonder if he is only here because I make things easy for him. As I said, he is acting normally, like nothing happened. That concerns me as he did before too. He has said me dwelling on things stops him/us from moving forward. I was a little upset the other night (bedtime again) and through his apologies I said this back to him and he was sorry again.. Anyhow , I did challenge it. He said during his excuses we have an unbalanced relationship, I think my response was, wow, of course we do, he reduced to part time work without any discussion, which then reduced his income further and made my income more dominant. He chose to sit back on his heels in 2012 and take a comfortable job rather than training for a better paying position. It was ok because he was so stressed and I got my husband back, the girls there father. Him also having too much disposable income worries me about booze. He has spent all of his savings (less than £750). He has probably drank away a small fortune in recent years.      

    Anyhow
    baby news - placenta still low. Another scan in 2 weeks to see if csection is needed. Baby is measuring big (tall daddy) and has lots of hair :) 

    Money - yet again I have left myself short. I have a crown to pay for in 2 weeks and I have miss counted my savings. I will never get my bonus interest if I keep diving into the account. 

    Mortgage restart June 2018 £119950Re mortgage August 19 £110470, … Mortgage November 22 £85600 final 0% CC 3300Home renovations - £65000, mid 2018 - mid 2022
  • newgirly
    newgirly Posts: 8,955 Forumite
    First Anniversary Name Dropper Photogenic First Post
    Options
    Hi, I’m glad things have been better this week for you mfd’s 🙂
    2022 MFW 67 - 33 month challenge to clear mortgage, currently month 19 🙂MFI3 No.12
  • TallGirl
    TallGirl Posts: 5,574 Forumite
    Photogenic Name Dropper First Post First Anniversary
    Options
    So sorry you are still in the middle of this great if he has stopped drinking but I know the stress of always having to be on high alert which is not good for you or him. I can understand your feelings around the unequal relationship regarding money. I would be resentful too and I would expect him to do everything. Hope you have someone to talk to and good the baby is still on track will be one less stress out of the way hopefully. Hugs
    Save £12k in 24 No 50
    PB Win 21 £225, 22 £275, 23 £900, Balance Mar  £30,850 + £12K added to pension) (Wins 24 Jan £200 Feb £150 Mar £75 Apr £125) 
    Plan to move to Denmark for FIRE by 2028 “May your decisions reflect your hopes not your fears”
    New diary aiming for fire https://forums.moneysavingexpert.com/discussion/6414795/mortgage-free-now-aiming-for-fire#latest

Meet your Ambassadors

Categories

  • All Categories
  • 343.5K Banking & Borrowing
  • 250.2K Reduce Debt & Boost Income
  • 449.9K Spending & Discounts
  • 235.6K Work, Benefits & Business
  • 608.5K Mortgages, Homes & Bills
  • 173.2K Life & Family
  • 248.2K Travel & Transport
  • 1.5M Hobbies & Leisure
  • 15.9K Discuss & Feedback
  • 15.1K Coronavirus Support Boards