It's time to start digging up those Squirrelled Nuts!!!!

michaels

Pensions_matter_2 said:

Im not sure Id cope with the stress if my partner was a real spender! Thankfully not, and we have never argued about money as both of similar mindset.

It is extremely difficult and feels pretty unfair especially when only one partner is working and has no disposable income whilst the other who is not working is constantly spending the early retirement pot on frivolity (but then why should they care, they aren't working anyway?)

arnoldy

You have helped a lot of people, its good to see you are going to be active on the boards still.

Sea_Shell

arnoldy said:

You have helped a lot of people, its good to see you are going to be active on the boards still.

You don't get rid of me that easily 😉

Bravepants

Oh no! I feel like it's the last ever episode of Doc Martin all over again.

Thank you for this thread Sea_Shell, it's been a continual source of inspiration for me. No doubt I will catch you here and there on the forums still.

enthusiasticsaver

Albermarle said:

TBH I'm surprised relationships work where couples aren't on the same page on finances, I guess some will have separate finances, but then how is joint spending done eg on house etc, and how is retirement planned, will the saver retire early while the spender works for another 10 years? 

I think it is a matter of degree. If one is carefully counting the pennies and planning for tomorrow and the other is racking up credit card debts by spending wildly, then the relationship is unlikely to survive.

If one is more money/saving orientated and the other is just less interested/ maybe keener on spending on the house, kids etc ( in other words not just fluff, although there is a bit of that as well) , then it can work OK , along with some open 'negotiations' . I am sure quite a lot of relationships work with their finances in this way.

In my own experience, we have moved very slowly over the years more towards each others ways, although getting better off as we got older, probably also helped me loosen the purse strings a bit more.

Our offspring have come out somewhere inbetween.

I can identify with this totally.  In the early years of our marriage we were very hard up and I had to watch every penny we spent.  Mr ES has never cared about finance as such and only really wanted to know money was there to do the diy he wanted to do to the house or car or whatever and it took a long time for us to find a system which worked for us.  As we have got older he has got more careful and I have got less careful as we are better off now so we meet more or less in the middle.  To be fair he never was a fan of credit cards but he did resent me quizzing him on every spend he made. Our offspring are also in the middle. 

westv

What's ES?

NoMore

westv said:

What's ES?

enthusiasticsaver the poster of the comment, so Mr ES is their partner.

flow2

Thank you “sea shell” I have been reading your threads, for the last few years, but only come on to read, hardly ever comment- but I have learnt so much along the way, it is so nice to see, that there are people like me, out there, and save and spend, the same.
take care..

Sea_Shell

I've decided to amend my signature to reflect how things are going, in very broad terms. 

I'll try and remember to update it every month.

We started this journey aiming for 3%

Albermarle

Considering current inflation, that is a good result !

On the other side I was just looking yesterday and the average value of my 3 pension pots, has eventually got back to where it was in April 2021. I think that is probably reasonably typical for a medium risk, diversified portfolio.