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Giving every £ a job

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Comments

  • Cheery_Daff
    Cheery_Daff Posts: 18,442 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Crikey, what a blithering cheek!! I'm not surprised violence was considered, and yes, it does sound like some relationships will have been damaged. So sorry you had to deal with that.
  • I am actually gobsmacked. The language I want to use is not permitted on these boards. Oh my actual days. (You can tell I'm trying very, very hard not to use the worst obscenities 😂).
    Well. As @lucielle says, well done for walking away to breathe (although I wouldn't have convicted MrBC if I was on the jury 😁). Well done for sticking to your planned spend and for keeping your cool so elderly parent could have a nice evening.
    And congratulations on your relationships with rude, disrespectful, freeloading dreadful people being irreparably damaged. What a lot of money and upset that will save you.
    Sending hugs and sympathy though, that's a horrible thing to experience, both with this saga and the years you've been trying to be okay with it because you and MrBC are the better people x
  • ladyholly
    ladyholly Posts: 4,108 Forumite
    Part of the Furniture 1,000 Posts Name Dropper
    Well done on walking away from the situation an not resorting to violence which must have been very tempting. I hope they learn a lesson from being left with an unexpected (on their part) bill. You have done well and how dare people try to take advantage of you. I am sure you wont miss such awful people.
  • savingholmes
    savingholmes Posts: 29,204 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    What a cheek. Incensed on your behalf. Glad that you both held the boundary. It's the only way some people learn. Glad you are safely ensconced back at home. Well away from all of that.
    Achieve FIRE/Mortgage Neutrality in 2030
    1) MFW Nov 21 £202K now £167.4K Equity 38% 3/4/26
    2) £2.1K Net savings after CCs 14/5/26 (but owed £1.3K) so £3.4K
    3) Mortgage neutral by 06/30 (AVC £42.5K + Lump Sums DB £4.6K + (25% of SIPP 1.7K) = 48.8K of £127.5K target 38.3% 24/5/26 (If took bigger lump sum = 71.K or 55.9%)
    4) FI Age 60 income target min £17.1/30K 57% (may need more) If bigger lump sum £15.8/30K 52.67%
    5) SIPP £5.7K updated 29/5/26
  • Sarahwithlove
    Sarahwithlove Posts: 3,502 Forumite
    Eighth Anniversary 1,000 Posts Name Dropper
    Sadly money seems to bring out the worse in some people even family. Well done for walking away and taking the higher moral ground. 
    *Dad loan - £7000 - £7000
    *Tesco Credit Card (0% 9/9/27) - £3623.18 - £3623.18
    *Nationwide Loan - £11,000 -£11000.00
    *Total Debt - £21623.18/£21623.18*


    Savings
    *Sinking Fund - £1400/2000
    *Emergency Fund - £0/£3000


    New diary- https://forums.moneysavingexpert.com/discussion/6474943/the-three-cs-coffee-clothes-credit-cards/
  • Sun_Addict
    Sun_Addict Posts: 25,584 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    OMG that is absolutely unbelievable 🤬 Well done for handling it so well. I can’t believe some people 😡
    I get knocked down but I get up again (Chumbawamba, Tubthumping) -.literally have been run over by a bike, mobility scooter and a car - still here 💪
  • CRANKY40
    CRANKY40 Posts: 5,948 Forumite
    Part of the Furniture 1,000 Posts Debt-free and Proud! Name Dropper
    You know how sometimes when you're thinking back about an event and you think that you should have said this or you should have done that? Well congratulations on actually doing exactly what you should have done and saying exactly what you should have said. You just need to figure out a way of not letting anyone charge anything to your room next time. I'd say that you've actually had a fairly successful start to "budgeting for the retired". 
  • foxgloves
    foxgloves Posts: 13,359 Forumite
    Part of the Furniture 10,000 Posts Photogenic Name Dropper
    What an absolute cheek, @Blackcats. I'd like to think I'd have handled it as well as you, but I think I might have given them both barrels of some choice verbals. So glad you didn't end up paying. I don't like freeloaders. Generally, they are the sort of people who'd be the first to complain if it happened to them. I do hope they ran up an impressively large bill to pay!
    F x
    2026's challenges: 1) To rebuild our Emergency Fund to at least £5k.
    2) To read 50 books (12/50) 3) The Re-Shrinking of Foxgloves 8.1kg/30kg
    Remember....if you have to put it on a credit card, extend your overdraft or take out a loan to buy whatever it is, you probably can't afford it, as that's not your money, it's somebody else's!
  • joedenise
    joedenise Posts: 18,550 Forumite
    Part of the Furniture 10,000 Posts Name Dropper
    Well done on the way you handled it.  Like @foxgloves I hope they ran up a huge bill which they then had to pay!  Should make them think twice when you go back (or should that be if?).
  • Oh BC, what an awful situation and all the more so for MrBC having had to hear that. I guess it does at least put a clear line under the situation though - there is certainly no ambiguity about it now, is there. Truly appalling that people feel it's OK to treat others like that - I'm very glad indeed that they got their come-uppance. 
    🎉 MORTGAGE FREE (First time!) 30/09/2016 🎉 And now we go again…New mortgage taken 01/09/23 🏡
    Balance as at 01/09/23 = £115,000.00 Balance as at 31/12/23 = £112,000.00
    Balance as at 31/08/24 = £105,400.00 Balance as at 31/12/24 = £102,500.00
    £100k barrier broken 1/4/25
    Balance as at 31/08/25 = £ 95,450.00. Balance as at 31/12/25 = £ 91,100.00
    SOA CALCULATOR (for DFW newbies): SOA Calculator
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