📨 Have you signed up to the Forum's new Email Digest yet? Get a selection of trending threads sent straight to your inbox daily, weekly or monthly!

Getting the balance right

1343537394050

Comments

  • elantan
    elantan Posts: 21,022 Forumite
    Part of the Furniture 10,000 Posts Photogenic Name Dropper
    So with my wages I bought £500 more in vls40 as I had checked it and it was nearly £3 down, thought to myself ya wee dancer finally I may actually start to earn some money, made the purchase put the order in, awaiting the person to purchase the funds ......   up £3.98 🙄🙄🤦‍♀️🤦‍♀️

    typical of my luck 🤣🤣
  • elantan
    elantan Posts: 21,022 Forumite
    Part of the Furniture 10,000 Posts Photogenic Name Dropper
    edited 29 September 2022 at 9:05AM
    aye it is sad KC,  51 is very young, heart failure is not nice, I have quite a bit of experience with hearts and know things can change innthe blink of an eye

    Mr El has often said he doesnt think he will make it, and other times days he thinks he will be dead just after retiring, so a lot of the retirement push is for him to atleast have some freedom whilst he still can,


     he also wants to cash in his second DB pension, normally you think dont be so bloody daft, but in his case yeah it's the right thing to do... £400k in a SIPP or £8k a year with £60k tax free . . he wont live long enough to get the benefit of that, and what I would get would be pitiful, but the £400k ( or what's left of it) will be good to hand down to our son when i go 
  • elantan
    elantan Posts: 21,022 Forumite
    Part of the Furniture 10,000 Posts Photogenic Name Dropper
    incidentally I would just like to say Mr El is not the worst drinker I have met, I have met and often meet people who drink much much more than Mr El, but what he is drinking is slowly killing him 
  • skint_spice
    skint_spice Posts: 13,461 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    He is a lovely man and I hope he can stop drinking but I think (and this is just how my mind works) that cutting down is still feeding the notion that there is something to be missed and that you are being deprived which would make it harder.  Giving up completely and embracing the notion that life will improve would be easier... just pondering here.
    Mortgage OP 2025 £6750/7000
    Mortgage OP 2024 £7700/7000

    Mortgage balance: £35,463

    Declutter 12/244

    Money making challenge £58/400

    ”Do what others won’t early in life so you can do what others can’t later in life” (stolen from Gally Girl)
  • I have appreciated your honesty in your posts El. My brother has heart failure brought on by alcoholism. He is 69. He says he controls his daily drinking and to a large extent he does - but it is still killing him. He will blame anything he can rather than his lifestyle as a cause. His wife idolises him. I admire yours and her tolerance and forgiveness. 

    I quit drinking aged 50 2 and a half years ago - I'm scared to have another as my OH loves to drink and he would think I would want it all the time. I wish he would drink less but as he drinks on his nights off from work (generally 4 cans) I just continue to nag as it's too big a part of his week. Positive or negative reinforcement only lasts for a short while. I'm hoping some kind of switch flicks before OH retires - I keep telling him he is lovely without it and it's a shame he has to be half cut to spend time with me :smirk:      
    Mortgage restart June 2018 £119950Re mortgage August 19 £110470, … Mortgage November 22 £85600 final 0% CC 3300Home renovations - £65000, mid 2018 - mid 2022
  • elantan
    elantan Posts: 21,022 Forumite
    Part of the Furniture 10,000 Posts Photogenic Name Dropper
    Hey all  

    sorry been nights and had a bit of a tiring / frustrating time. 

    I see what your saying @skint_spice and I know for me I would need to go cold turkey as cutting down wouldnt do me any favours ( sugar addict here) but alcohol is different, if you give that up your body really doesnt like it, it can actually kill you, giving up is absolutely best done under medical supervision, I dont think Mr El is at that stage just yet but if he carried on the way he is going he would be. I still dont think he is able to go cold Turkey though although he is such a stubborn !!!!!! and desperate he has tried a few times. 


  • elantan
    elantan Posts: 21,022 Forumite
    Part of the Furniture 10,000 Posts Photogenic Name Dropper
    I have appreciated your honesty in your posts El. My brother has heart failure brought on by alcoholism. He is 69. He says he controls his daily drinking and to a large extent he does - but it is still killing him. He will blame anything he can rather than his lifestyle as a cause. His wife idolises him. I admire yours and her tolerance and forgiveness. 

    I quit drinking aged 50 2 and a half years ago - I'm scared to have another as my OH loves to drink and he would think I would want it all the time. I wish he would drink less but as he drinks on his nights off from work (generally 4 cans) I just continue to nag as it's too big a part of his week. Positive or negative reinforcement only lasts for a short while. I'm hoping some kind of switch flicks before OH retires - I keep telling him he is lovely without it and it's a shame he has to be half cut to spend time with me :smirk:      
    Aye I have yet to meet an addict that doesnt have a blind spot, you can get them to admit their addiction ( not everyone) but they have problems seeing how that impacts their life or health ... until they are ready to that is. 

    Mr El for example really hit the alcohol hard while we were away and as a result he clawed his skin so bad in several places he took strips of skin off. He showed me them and I said well yep you know that will be the alcohol, to which he replied no it wont be, your just giving it everything is alcohol everything ... so I explained how the liver and the kidneys were struggling to get rid of the amount of poison he had put into his body, how his kidneys couldnt filter it and liver couldnt get rid of it and the body tends to become inflamed and skin gets itchy... he stared at me for a long time then walked away.  I think the way I just tell him these things matter of factly with no emotion chills him sometimes. 

    I tried the whole thing maybe if I drink the same as him he will see how bad it is and stop ... god that was a hard few months, he thought he had a drink buddy and I was so I'll, but when your desperate you'll try anything, it's all part of the journey to realisation that they have to make the change and you cant do it or force it for them. 

    I rarely drink now, I cant handle hangovers even a glass of wine makes me I'll so it just isnt worth it for me
Meet your Ambassadors

🚀 Getting Started

Hi new member!

Our Getting Started Guide will help you get the most out of the Forum

Categories

  • All Categories
  • 351.6K Banking & Borrowing
  • 253.3K Reduce Debt & Boost Income
  • 453.9K Spending & Discounts
  • 244.6K Work, Benefits & Business
  • 599.9K Mortgages, Homes & Bills
  • 177.2K Life & Family
  • 258.2K Travel & Transport
  • 1.5M Hobbies & Leisure
  • 16.2K Discuss & Feedback
  • 37.6K Read-Only Boards

Is this how you want to be seen?

We see you are using a default avatar. It takes only a few seconds to pick a picture.