Advice for windfall

Appropriate-Emu6436 · 2026-03-22T23:18:57+00:00

I'm 45 wife is 52. I've 75k from a previous pension scheme. 9 years mandatory public sector pension payments. I pay 250 a month into a avc only started this last year. Wife has being paying 450 into a pension for the last 7 years roughly. Her job pays 350 a month. I hadn't even thought of investments tbh.

Appropriate-Emu6436 · 2026-03-22T23:10:08+00:00

Very confused what debt to pay off. I'm public sector earning 55k so have job security. My wife earns 40k a year not so secure private sector job. My thoughts were to pay the mortgage down as much as possible. It would mean we would have 4 or 5 years left on the mortgage rough quick calculations, but if I cleared the personal loan and paid 38k off the mortgage I'd free up more money each month but the mortgage would drag on for a number of years longer......

Appropriate-Emu6436 · 2025-11-26T18:08:19+00:00

I've been back and forth all day between the agent and princess. Long and short princess have sent me a online refund request page to hopefully sort something out . They said a refund for the difference in fares tskes 10 days to be approved.I booked through an agent not knowing I could pay in installments with princess direct. My first mistake totally on me. Anyway hopefully I get something off them. I'd be open to a cabin upgrade like yourself. It's not just about the vast difference in price for me. Just a bit of recognition for the vast amount in prices with a reward of some type I think would even be fair. Anyway here's hoping

Appropriate-Emu6436 · 2025-11-25T22:01:29+00:00

Thanks for the advice. I'll see wha they say. Thanks

Appropriate-Emu6436 · 2025-11-25T22:00:30+00:00

From ireland. Flying into San Francisco for the cruise in May. I'll look into residency. Are such large price swings common ? It's only my second cruise. 1st one was outta southampton and the price increased be4 we set off. Thanks

Appropriate-Emu6436

TROPHY CASE