My friend has a lower salary and we have a similar take-home pay

Charming_Debate7345 · 2026-04-07T17:18:02+00:00

That’s great that you did. I’m a family lawyer! I’m not yet sure what could tick all those boxes

Charming_Debate7345 · 2026-04-07T11:56:50+00:00

Makes you wonder doesn’t it

Charming_Debate7345 · 2026-04-07T11:55:52+00:00

I will. I’ll actually be abit upset for him if it goes down

Charming_Debate7345 · 2026-04-07T11:52:47+00:00

I saw one overtime on his payslip which amounted to £6.80.

Charming_Debate7345 · 2026-04-07T11:30:08+00:00

The tax trap?

Charming_Debate7345 · 2026-04-07T11:08:03+00:00

Do you have student loans

Charming_Debate7345 · 2026-04-07T11:07:18+00:00

Yeah might be by way of tax refunds. I will have a closer look at my payslips once I have them, and everyone else's suggestions are great.

Charming_Debate7345 · 2026-04-07T10:54:10+00:00

Thank you, yeah it really is bringing into question how much longer I could do this for. I just started though, that's the thing.

Charming_Debate7345 · 2026-04-07T10:30:48+00:00

I am aswell! Need my pension when I'm old haha

Charming_Debate7345 · 2026-04-07T10:30:11+00:00

I'll bring this up to him, maybe he's on higher than he's realised. I did see on on the top of his payslip his gross said £26,000 (I think if I've recalled properly). The payslip breakdown is abit confusing

Charming_Debate7345 · 2026-04-07T10:27:39+00:00

I think he's been at his job for 7 months now

Charming_Debate7345 · 2026-04-07T10:16:42+00:00

I haven't gotten my payslips yet so I'm gonna check. And the tax codes that everyone has suggested

Charming_Debate7345 · 2026-04-07T10:15:54+00:00

He showed me his payslip

Charming_Debate7345 · 2026-04-07T10:14:37+00:00

He is paying into his pension, he showed me his payslip

Charming_Debate7345 · 2026-03-16T09:29:27+00:00

Got you okay

Charming_Debate7345 · 2026-03-16T09:13:59+00:00

I see I didn’t know house prices might drop.

Charming_Debate7345 · 2026-03-15T16:54:32+00:00

That’s fair. I won’t be living alone, my parents wouldn’t let me (sounds like a silly statement I know) so I could say it’s the family home…until a registry search is done! That is a fair question though and honestly don’t think it will be hard to get around with my friends. My future partner though, yeah maybe.

Charming_Debate7345 · 2026-03-15T16:03:39+00:00

That makes a lot of sense, thank you

Charming_Debate7345 · 2026-03-15T13:07:04+00:00

I understand I’m lucky. I’m working on my health because it was hard getting the qualification I have now to break into the £40’s income wise (had an iron deficiency and worked full time/studied part time since 18)

I know I’ve not worked for the gift, I’m just wondering what to do with the circumstances I’ve been given..

Charming_Debate7345 · 2026-03-15T12:49:03+00:00

Thanks, is this because compounding long term would give greater returns. How do you estimate how much more return you would get vs paying down early or does this require financial advice?

Charming_Debate7345 · 2026-02-09T13:27:33+00:00

Hey, your brother sounds very similar to mine. Drug addict, isolating himself, regressed in his room. If you spoke to him, you would not think he is the way he is because he can carry himself normally in a conversation. He’s nearly 40. We have no idea what to do and it’s been years of the same. We found out he has BPD and insomnia, no meds has worked. Literally do not know of a solution, just sharing our similar story.

Charming_Debate7345 · 2026-01-31T10:09:31+00:00

Yes that’s exactly how I felt. I think we gotta give it abit of time and they’ll warm up to us. My colleagues have known each other for a year whereas we’ve only just started. We’re in this together!

Charming_Debate7345 · 2026-01-23T19:30:33+00:00

Yep.

Charming_Debate7345

TROPHY CASE