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Awwww - thank-you my dear forum friends for all your well wishes! We are wedded & have the rings and paperwork to prove it!
As I am the queen of practicality, and stoic to a fault, OH was rather pleased when I started weeping while he was saying his vows! TBH I was puzzled, but then again who knows what has been bottled up these past few months and had bubbled to the surface!
Great fun was had with our two witnesses and two friends who joined us for the occaision. We had several drinks at French wine bar and then a 4 course meal at the attached bistro! OH took off his jacket after the cermony and his waistcoat less than 5 minutes into dinner! I suffered hours in a formal, season appropriate dress with heals no less, and am more than happy to be back in jeans today!
Now shall we get practical? Being married means we get a tax break right? He can pass me his tax credits or something like that? We have a medical appointment in 10 minutes and then I shall spend my second 24 hours as a married person trying to figure out what I can do about lowering my taxes!!! Very MSE 😂😂😂4 YEARS 10 MONTHS DEBT FREE!!! (24 OCT 2016)(With heartfelt thanks to those who have gone before us & their indubitable generosity.)...and now I have a mortgage! (23 AUG 2021)New projection - 14 YEARS 7 MONTHS LEFT OF 20 YEARS (reduced by 17 mths)11 -
Congratulations Mr & Mrs rt!
Sounds a perfect celebration 😁 Well done you both 😁
Greying & co XPounds for Panes £7,705/£10,000 - start date Dec 2023
Grocery Spend November 2025 - cash £96.33/£150 MrS vouchers £20/£60
Non-food spend November 2025 £32.60/£50
Bulk Fund November (month 11 of 12) £12/£35.201 -
Congratulations!If he doesn't use all of his tax free allowance and you are not a higher rate tax payer then he can transfer some to you.My mortgage free diary: +++ Divide by Cucumber Error. Please reinstall universe and reboot+++
GNU Mr Redo4 -
Also remember that any wills you may previously have had drawn up are now invalid.🎉 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
Balance as at 31/08/25 = £ 95,450.00
£100k barrier broken 1/4/25SOA CALCULATOR (for DFW newbies): SOA Calculatorshe/her6 -
A pity this no longer applies. I am talking around 50 years ago when a woman became another person on marrying. So 2 personal allowances. I think that was why so many got married in September (as I did). Even in the early 90s a husband was responsible for his wifes tax & would get charged if their total went into the next tax bracket. People don't realise how recent any semblance of equality really is.4
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Congratulations Mrs & Mr RT! So glad you had a lovely day 🥰🥰🥰
Yep, go ahead and investigate tax 😁 Obviously Martin has a handy calculator which you have no doubt already found but here it is anyway:
https://www.moneysavingexpert.com/family/marriage-tax-allowance/
Worth £252 a year if you're eligible 😊7 -
Congratulations both of you! So lovely to hear about your ceremony, thank you for sharing with us.
And good thinking on the taxes.I think a bit of sunshine is good for frugal living. (Cranky40)
The sun's been out and I think I’m solar powered (Onebrokelady)
Fashion on the Ration 2025: Fabric 2, men's socks 3, Duvet 7.5, 2 t-shirts 10, men's socks 3, uniform top 0, hat 0, shoes 5 = 30.5/68
2024: Trainers 5, dress 7, slippers 5, 2 prs socks (gift) 2, 3 prs white socks 3, t-shirts x 2 10, 6 prs socks: mostly gifts 6, duvet set 7.5 = 45.5/68 coupons
20.5 coupons used in 2020. 62.5 used in 2021. 94.5 remaining as of 21/3/223 -
Just popping in to say congratulations too. It sounds like a lovely day. Well done. I remember saying how different it felt with us too. Many years on, it still doesSave £12k in 2025 #2 I am at £10,020.92 out of £6000 after September
OS Grocery Challenge in 2025 I am at £2234.63/£3000 or 74.49% of my annual spend so far (not going to be much of a Christmas at this rate as no spare after 9 months!
I also Reverse Meal Plan on that thread and grow much of our own premium price fruit and veg, joining in on the Grow your own thread
My new diary is here3 -
So many congratulations. It sounds a lovely day. And I did smile at you now calculating your taxes -love that Made it to mortgage free but what a muddle that became
In the event the proverbial hits the fan then co-habitees are better stashing their cash than being mortgage free !!3
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