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Prosperous soul embraces creativity & mortgage neutrality
Comments
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Hi SH
I have been trying to catch up for a week or so until I came across another poster saying they had given up trying to catch up so thought I would do the same
If you could find time to post a weekly synopsis that would be most helpful 😉
ChickerMFW diary Adventures and Overpayments
Mortgage start: £240,945 Aug 2020
Mortgage now: £230,738
2021 OP total: £605.85 1 month off approx
MFW 2022 #39 £135.68/£12009 -
enjoy your time with your friend SH.
Om the stuff with DD - much as everyone else will have their own way of doing things, remember there's no hard and fast "right" on this - but there probably is "right for you". I will say be wary of making too many excuses for her though - regardless of other issues, she could certainly be listening to you more by the sound of it, and if she genuinely doesn't understand the financial side, she could ask you for explanations. You certainly don't have to justify yourself to her in any way though!🎉 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 1/4/25SOA CALCULATOR (for DFW newbies): SOA Calculatorshe/her7 -
Am caught up.
Is your DD at uni as part of her apprenticeship? If not then the circumstances between her and DS are totally different. I could give a couple of examples of my own experience of different circumstances between siblings resulting in unequal financial treatment (even though "we treat you both equally") but I don't want to bore anyone to sleep.
Enjoy your evening with your friend.Mortgage at 12/07/2022 = £175,000
Mortgage today = £161,690.76
300 271 payments to go.House buyout fund £21,000/£40,000
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@savingholmes - sorry DD can't see things from your POV. For what it's worth (and I think borne out by comments made by others), it's surprisingly common. One of my siblings made a constant fuss about paying minimal rent when working full time and living at home (say £250, maybe 30% of income). When given the despairing "you treat this place like a hotel chat" they replied "if I was living in a hotel I'd get better service"
They're now 40+ and have never sorted out their finances (or sense of entitlement)! Stay the course
6 -
Have a good time with your friend"Good financial planning is about not spending money on things that add no value to your life in order to have more money for the things that do". Eoin McGee4
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Enjoy your evening of chatting and catching up.Mortgage started 2020, aiming to clear 31/12/2029.5
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Hi savingholmes - just stopping by to say 'hi'.
I think it kind of comes with the territory re the sibling thing. Looking back now I always thought my parents’ gave my brother preferential treatment but now I see that we were both extremely fortunate to have such caring and generous parents. They have always been quite tight and very careful with money which, as a teenager, I was quite frustrated by but now I totally see where they were coming from. They have taught me some fundamental life lessons as a result and it's definitely paying off now.
I hope you have a lovely evening.6 -
Our eldest DD is very good at noticing (or perceiving) what her siblings get that she doesn't... completely forgetting all circumstances where any discrepancy is in her favour. Drives me absolutely mad.
Liking the gratitude listDFD March 2025 (£35000 paid off)
FFEF £10000/20000 saved6 -
chicker said:I have been trying to catch up for a week or so until I came across another poster saying they had given up trying to catch up so thought I would do the same
If you could find time to post a weekly synopsis that would be most helpful 😉
Synopsis
It usually boils down to I made some art. I tried to tackle something on the house... I looked after DD and the cat - and they both drive me demented at times - but can be good company. My counsellor is ace (fortnightly). Work is mostly okay - but trying to get more pay.... Trying to squeeze more joy into my life - hence the art - but more recently also baking again, experimenting with cooking e.g. different stuff in soup... Trying to make money stretch without becoming Scr00ge Mcduff. I tried to tackle some life admin - this week it was Energy and my will.
This week's addition is I invited a particular work colleague to my house for the first time ever to make art. It went well. I'm off to the city at the weekend and trusting DD doesn't have a party or destroy my house while I'm gone!!! I'm fitting in seeing family/staying with family and if I'm really lucky I may get on the day tickets for a show. I suppose also - how do I create more adult relationships with my children now they are young adults and post my divorce...
Decluttering was January's theme. February's theme could be variations of how do I stop people pleasing? How do I put myself higher up my own list? (Still difficult even though now divorced). How do I create more joy in my life without feeding my Am**** addiction? How do I maintain a budget without being consumed by it...? You know the little thingsEssexHebridean said:I will say be wary of making too many excuses for her thoughgirlatplay said:Am caught up.
Is your DD at uni as part of her apprenticeship? If not then the circumstances between her and DS are totally different.edinburgher said:@savingholmes - sorry DD can't see things from your POV.... it's surprisingly common.... Stay the course
Waves at jwil, MF and happihorse and Ohsh....
I remember being very jealous of my siblings... DD does give me more sympathy for my own parents
I really do appreciate you all tagging along and posting!!Achieve FIRE/Mortgage Neutrality in 2030
1) MFW Nov 21 £202K now £174.8K Equity 32.77%
2) £1.6K Net savings after CCs 14/8/25
3) Mortgage neutral by 06/30 (AVC £25.3K + Lump Sums DB £4.6K + (25% of SIPP 1.2K) = 31.1/£127.5K target 24.4% 15/8/25
4) FI Age 60 income target £16.5/30K 55.1%
5) SIPP £4.8K updated 29/7/259 -
One thing that did leap out at me from the earlier comments - don't lose sight of the fact that by explaining to DD and detailing real-world costs you're actually doing her a favour - you'd be doing her a favour by asking her to contribute to those costs too but I suspect it will be harder to get her to see that!
(She WOULD see it eventually though - even if just when the time comes that she has kids of her own who are at the stage she is at now. )
There are times when I think that being an only child had some advantages - nobody to compare with or feel hard done by in comparison to is definitely one!🎉 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 1/4/25SOA CALCULATOR (for DFW newbies): SOA Calculatorshe/her7
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