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£29,303...Enough is enough!

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  • savingholmes
    savingholmes Posts: 28,971 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Glad you are having some time off and have a supportive DH and GP 
    Achieve FIRE/Mortgage Neutrality in 2030
    1) MFW Nov 21 £202K now £174.8K Equity 32.77%
    2) £2.6K Net savings after CCs 6/7/25
    3) Mortgage neutral by 06/30 (AVC £24.3K + Lump Sums DB £4.6K + (25% of SIPP 1.2K) = 30.1/£127.5K target 23.6% 29/7/25
    4) FI Age 60 income target £16.5/30K 55.1%
    5) SIPP £4.8K updated 29/7/25
  • A bit of a change of circumstances since I last posted…DH & I have separated. Turns out he wasn’t the person I thought  he was. I won’t go into details on here, for obvious reasons, but there’s no way back from what he’s done.

    I’m trying to sort the practicalities at the moment. So far, I’ve updated UC and council tax. I’ve been signed off work again for at least another 3 weeks so I need to use that time to get everything in order.
  • badmemory
    badmemory Posts: 9,634 Forumite
    Ninth Anniversary 1,000 Posts Name Dropper
    edited 16 November 2022 at 11:36PM
    Sorry to hear that, it must be really tough right now.  Sending hugs & strength.  It's never easy so take what help you can get.  How are the children coping with it too, that can be difficult.
  • savingholmes
    savingholmes Posts: 28,971 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    So sorry to hear your news. PM me if it would help. 

    Sending gentle hugs your way. How devastating for you.
    Achieve FIRE/Mortgage Neutrality in 2030
    1) MFW Nov 21 £202K now £174.8K Equity 32.77%
    2) £2.6K Net savings after CCs 6/7/25
    3) Mortgage neutral by 06/30 (AVC £24.3K + Lump Sums DB £4.6K + (25% of SIPP 1.2K) = 30.1/£127.5K target 23.6% 29/7/25
    4) FI Age 60 income target £16.5/30K 55.1%
    5) SIPP £4.8K updated 29/7/25
  • Thank you both. I’m not sad he’s gone, I feel relieved. If anything, I’m cross with myself for not finding a way out sooner. He’s just caused a lot of damage though and it’s the ones left behind that have to pick up the pieces.
  • peb
    peb Posts: 1,961 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Combo Breaker
    🤗🤗🤗🤗🤗🤗🤗🤗🤗🤗
  • savingholmes
    savingholmes Posts: 28,971 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Thank you both. I’m not sad he’s gone, I feel relieved. If anything, I’m cross with myself for not finding a way out sooner. He’s just caused a lot of damage though and it’s the ones left behind that have to pick up the pieces.
    I'm not sad about my divorce either - other than wondering why I put up with things as long as I did. That's not to say that I haven't indulged in a whole load of 'what ifs.'  I think your kids are younger than mine - so I was thinking about them as much as anything.
    Achieve FIRE/Mortgage Neutrality in 2030
    1) MFW Nov 21 £202K now £174.8K Equity 32.77%
    2) £2.6K Net savings after CCs 6/7/25
    3) Mortgage neutral by 06/30 (AVC £24.3K + Lump Sums DB £4.6K + (25% of SIPP 1.2K) = 30.1/£127.5K target 23.6% 29/7/25
    4) FI Age 60 income target £16.5/30K 55.1%
    5) SIPP £4.8K updated 29/7/25
  • Thank you both. I’m not sad he’s gone, I feel relieved. If anything, I’m cross with myself for not finding a way out sooner. He’s just caused a lot of damage though and it’s the ones left behind that have to pick up the pieces.
    I'm not sad about my divorce either - other than wondering why I put up with things as long as I did. That's not to say that I haven't indulged in a whole load of 'what ifs.'  I think your kids are younger than mine - so I was thinking about them as much as anything.
    I can’t fully respond without giving away too much information but the DCs won’t forgive what he’s done and neither will I. He’s caused a lot of damage.

    Today’s been difficult. It’s the first time since he went that I’ve really had time to myself and I’ve probably been overthinking things. I’m just angry that he’s taken advantage for so long and that I’ve just wasted so much time in a relationship that was never going to last. 

    I managed to declutter some kitchen cupboards in between my meltdowns and I’ve made a few bits for this weekend’s craft fair. Mum and Dad are staying over and they’re going to help me get on top of jobs around the house and do some more decluttering before they leave. 
  • savingholmes
    savingholmes Posts: 28,971 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    I am glad you have some help. You have had a lot going on recently. 
    Achieve FIRE/Mortgage Neutrality in 2030
    1) MFW Nov 21 £202K now £174.8K Equity 32.77%
    2) £2.6K Net savings after CCs 6/7/25
    3) Mortgage neutral by 06/30 (AVC £24.3K + Lump Sums DB £4.6K + (25% of SIPP 1.2K) = 30.1/£127.5K target 23.6% 29/7/25
    4) FI Age 60 income target £16.5/30K 55.1%
    5) SIPP £4.8K updated 29/7/25
  • Humdinger1
    Humdinger1 Posts: 2,295 Forumite
    Eighth Anniversary 1,000 Posts Name Dropper
    edited 17 November 2022 at 10:54PM
    @WelshKitty85 can I say that I've been in this position too.  12 years ago the bottom dropped out of my world.  I am now happier than I've ever been; my ex...not so much; his now wife is A Maniac and not in a good way.  I had a 6 year old at that point.   We are happy, balanced, realistic; above all, we are free.  I confidently predict that you will be too and sooner than you think though there will be difficult days.  Pm me anytime and I'm sure that all of us on here love and admire you.  You have a posse who have your back...Nemesis is lying in wait for your ex and it's impossible to outrun her.  You, au contraire, are going get through this with style and grace.  Onwards and upwards love Humdinger xx 
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