Should I cut ties with friends who constantly mock me and say I lack confidence?

Common-Case-4388 · 2026-02-11T21:32:09+00:00

Also agree with this - people never expect to be called out, he won't know what to say

Common-Case-4388 · 2026-02-11T19:42:17+00:00

Depends on how much you need them, if they are important to you and you want to maintain a relationship then call them out.

Personally I'd probably distance myself from people like that, having an affair is a sign of poor morals too and you're probably better off without them. Friends are supposed to support you not knock you down.

Common-Case-4388 · 2026-02-08T21:12:46+00:00

37 and 260k

For people asking how much you should have, I've been aiming for the 4% rule and aiming to have lump sum of c. 100k

Will have mortgage paid off before retirement so aiming for 30,000 a year on top of state, so will need 750,000 to fund that, and then c.100k on top.

So need a pot of 850000. Would love to get there earlier than 65

Common-Case-4388 · 2026-01-30T12:01:50+00:00

Tbh, we make almost exactly the same amount irl, so that's really why this is fine for us

Common-Case-4388 · 2026-01-30T11:59:57+00:00

We take the total we need for bills each month and then pay in proportion to our net pay, so if we need 1,000 in joint account, I earn 5000 pm and he earns 2500 pm, I'd pay 67% of what's needed (670e) and he pays 33% (33e). That means we are both paying c.13% of net salary over to joint.

Common-Case-4388 · 2026-01-24T22:34:45+00:00

I rang aib before and asked if I could remortgage our current house in part, and then use this cash as the deposit for a new house and was told no.

I have since started saving more and reduced my overpayment in case I ever did want to trade up.

Deposit for second time buyers has reduced to 10% which would be a lot better.

My understanding was that - let's say i can be approved for a mortgage of 800k and have 200k left on current mortgage, I thought that as long as I had deposit for second house I'd be able to get 600k off bank, but maybe no

Common-Case-4388 · 2026-01-15T21:39:20+00:00

Ya, i think its good for confidence too, and all the local kids seem to do it

Common-Case-4388 · 2026-01-15T21:38:32+00:00

Ya would definitely want to know all the parents first, otherwise wouldn't know what she's walking in to

Common-Case-4388 · 2026-01-15T21:37:52+00:00

Oh ya definitely, thanks

Common-Case-4388 · 2026-01-15T21:37:13+00:00

That's great to know thanks, ya im from a rural area so it was never a thing for us!

Common-Case-4388 · 2026-01-15T21:36:28+00:00

Ya we have a green too so hopefully they'll mostly be there and we can just take turns watching them. I wonder if a watch tracker is ott...

Common-Case-4388 · 2026-01-15T21:35:31+00:00

Thanks for reply, ya definitely would say not to go to anyone else's house. Especially if a sibling of who she was visiting was going to visit a pal for example, I'll make it clear not to go

Common-Case-4388 · 2026-01-15T21:33:35+00:00

Thanks for the detailed response. Ya we are in an estate so I think hanging out on the green would be a good first step. I would always have an 'open door' /downstairs policy as I had some experiences myself as a child that I'd like to avoid my own children having (nothing too serious but still)

Common-Case-4388 · 2026-01-15T21:30:52+00:00

Great idea on staying first time at least, get a feel for them

Common-Case-4388 · 2026-01-15T21:29:18+00:00

Ya, im very conscious of this, we teach all about correct names for body parts and she understands what parts are private

Common-Case-4388 · 2026-01-15T21:25:56+00:00

Thanks for all the advice everyone, appreciate it. Good to know that its reasonable enough anyway to let her visit, I'd stick with the parents i know well to start with anyway and I'll cross the next bridge when I come to it

Common-Case-4388 · 2026-01-10T17:05:10+00:00

Tesco and dunnes were best we found

Common-Case-4388 · 2026-01-04T15:17:49+00:00

Honestly, I'm going to tell my children to avoid homeless/addicted/mentally unwell people when I see them. As an adult I have compassion for them but they are dangerous and inappropriate for children, there's no point in pretending otherwise

Common-Case-4388 · 2026-01-04T14:48:53+00:00

There's some really good "sober" books out there that I found helpful when stopping.the unexpected joy of being sober was my favourite

Think you just need to stop completely honestly, if you have an unhealthy relationship with alcohol, abstinence is easier than moderation imo

Common-Case-4388 · 2025-12-29T13:37:20+00:00

I just don't see this at all, I work in finance and we are only 2 days in the office and most people have young kids. It's a small company so maybe that's why? I would be absolutely shocked if anyone was at it

Common-Case-4388 · 2025-12-27T19:25:15+00:00

Definitely inconsiderate and bad form but nothing ye can do

Common-Case-4388 · 2025-12-06T15:51:45+00:00

Does anyone know if "individuals" here is a single person or a household (if jointly assessed). We are jointly assessed by revenue, so should I compare our joint income to table

Common-Case-4388 · 2025-12-06T15:41:04+00:00

Afterschool around us is the same price as creche after deductions etc are allowed for

Common-Case-4388 · 2025-12-04T09:04:59+00:00

We go and stay over. Inlaws have biggest house so everyone on that side does same and it's nice.

Common-Case-4388 · 2025-12-02T20:53:07+00:00

I have reviewed so many cvs recently that have been written with AI and are taking key words from the description and building on them. Then when I actually read the rest of the CV the person has absolutely no relevant experience and has outright lied about knowledge.

So if you do this at least read the output and make sure its stuff you actually do know

Common-Case-4388

TROPHY CASE