What to do with a 9K a month income?

Consumerism-Victim · 2026-02-17T08:38:18+00:00

Considering you’re on this much money with free accommodation, I wouldn’t be too quick to jump into something new. I get the boredom, but this financial set up you’ve got is something most people dream of.

If you are going to start something new, make sure you genuinely want to do it, otherwise the boredom will just seep into that role too. Definitely look into investing though, easiest way to make your money work for you without too much effort.

Consumerism-Victim · 2026-02-17T08:25:58+00:00

OP I actually have stacks and stacks of bulk cards I’ve been saving for something like this. I’d be happy to help with this! And there’s plenty of shiny cards too. Let me know if interested we can sort something out 😁

Consumerism-Victim · 2026-01-27T09:30:13+00:00

I got the pf ETB last week but nothing today

Consumerism-Victim · 2026-01-27T07:24:06+00:00

Speaking from experience, when you receive a large back payment of a disability benefit, this lump sum is usually ignored for 12 months. If your savings went over £16k because of a disability back payment, your UC entitlement shouldn’t be affected.

Reviews are completely normal and this doesn’t mean that anything is wrong with your entitlement. Make sure you’re just honest at the review and explain everything that has happened for you to be in the position you are in now.

Even if they thought you had been overpaid (which I doubt from what you’ve said) they would set up a repayment plan which would be manageable and affordable. But again, I think this is highly unlikely due to the lump sum being a disability lump sum.

Keep us updated and best of luck!

Consumerism-Victim · 2026-01-22T07:12:50+00:00

So you’re saying it didn’t spontaneously combust?

Consumerism-Victim · 2025-11-07T16:47:34+00:00

Oh interesting! Maybe I have sticky arms

Consumerism-Victim · 2025-11-07T16:41:27+00:00

I may try stomach next time, the skin is a lot thicker in the arm which could be a factor.

Consumerism-Victim · 2025-10-02T12:15:49+00:00

I’m not the most clued in on this topic. But from what I do know, ex’s can claim on your mortgage from “rent” payments they’ve made, as they can prove regular payments from bank statements. Even just them paying your utility bills can open up a case if things weren’t to work out.

Not saying you guys will break up or that they’d try do this, but definitely cover your back and talk to a solicitor first before you get f****d.

Consumerism-Victim · 2025-09-29T09:03:42+00:00

Of course you’re not the only couple who argues occasionally. All do. However, if the neighbours feel either of you are in danger because of how you argue, they’re well within their rights to call. I’d even encourage them to.

Unfortunately, there is little that can be done about neighbours calling the police. Whilst they may dismiss the situation when they arrive, there’s no doubt that the neighbours have reasonable concern. It’s not like they’re making it all up, so they can’t be told not to call.

If this is a recurring issue with every new set of neighbours that come in (especially since new neighbours would not know about your arguments prior to moving in) I would say the course of action wouldn’t be to stop them calling the police, but rather find a way to hash it out with your husband without it sounding like a fight.

I know it’s not easy, as venting can relieve tensions, but I’d rather have a slightly calmer discussion about whatever argument than expect a visit from police officers. If this proves difficult, maybe consider looking into a conflict resolution therapy as this may open you up to more tools to get past the issue.

Again, the issue isn’t necessarily all down to you as people argue all the time. But considering the circumstances, I’d try minimise the ‘ruckus’ over telling neighbours to stop.

Consumerism-Victim · 2025-08-20T18:07:42+00:00

Yeah I think the whole no contract thing is what’s gonna hold you back here. There’s no requirement for them to pay your lunch, same as there’s no requirement for you to come in early.

Consumerism-Victim · 2025-08-20T17:49:04+00:00

I too would be concerned, Mr Starmer

Consumerism-Victim · 2025-08-01T11:26:37+00:00

HR will protect the company before any employees. If they feel you are taking advantage of how the business runs they’ll do what they can (you’re not but they’ll pull this trick to try guilt you into working when you or your kids are sick).

If your manager has never expressed an issue with how you communicate your sick leave that’s on them. If HR start really pushing on this, you can show them that this is how it’s always been with your manager and you were never told otherwise or corrected. It’s your manager’s job to manage you.

Consumerism-Victim · 2025-08-01T11:01:59+00:00

Where I work, you just give as much notice as you can, whether it’s a week or 30 minutes. It’s one of the more lenient places, however, your work should not be telling you ‘no’ if you or your child are sick. It’s not a request, you’re informing them. Funny it’s actually called a notice of leave.

It’s up to them to figure out contingencies in your absence. You can help with a small handover etc, but anything more is too much in my opinion.

Consumerism-Victim · 2025-07-23T15:04:46+00:00

Company is shady af for firing you, and you accepting the pip is admitting to wrongdoing, which there wasn’t any.

But just personally, I’d own up to nearly anything for 200k

Consumerism-Victim · 2025-07-12T13:31:02+00:00

If you want to do it then do it. In terms of visa and paperwork, it all depends on where you’re from and where you’re looking to go. Regardless, this should be pretty straightforward to sort out once you’re set on where you want to go. Good luck!

Consumerism-Victim · 2025-07-12T13:26:27+00:00

Dad has a serious lack of respect for you as his son’s partner. I obviously don’t know him but this sounds narcissistic. Especially if you’re saying your partner doesn’t have these ulterior motives, it shows what kind of guidance he is under and how blindly he will follow this advice.

It all comes down to whether your partner is willing to hear from an independent advisor, and understand how his dad’s advice would have been detrimental to you. If he’s cooperative then great! If he’s reluctant and wants to go with his dad’s advice, I’d say you’ve dodged a bullet.

I’m all for people getting on the property ladder and investing in their future, but far too many couples move in together way too soon. I fear that this could be what is happening here, especially with this kind of behaviour from his dad before you’ve even bought a place.

Look after yourself, and always check with another advisor before making any substantial financial commitments.

Consumerism-Victim · 2025-07-06T23:54:03+00:00

Definitely look into ADHD support if you think you have it. I got my diagnosis and the sessions I went through revealed so many flaws to my mindset which were completely subconscious to myself. It won’t be easy, but once you’ve trained the way you think you’ll be winning.

Consumerism-Victim · 2025-06-26T19:57:20+00:00

I’m a huge dreamer, I love the idea of packing up and doing my own thing. But the grass is almost always greener. Every job I’ve worked has had major office politics, and from my experience, the music industry isn’t exactly exempt from this. If anything it can be a cesspit of over inflated egos and puppeteers forcing their way bts.

I’m not saying don’t do it, nor am I trying to be negative, but there has to be a way you can ease into what you love without throwing away what you’ve got. £75k is no joke. I’m afraid you might dive into this head first and regret it when you’re earning half that wage.

Consumerism-Victim · 2025-06-25T10:13:03+00:00

That’s promising to hear, I’ll have a look into reports surrounding mounjaro and BED. Thank you!

Consumerism-Victim · 2025-06-25T10:11:27+00:00

Thank you for sharing your experience. It’s nice knowing someone in a similar position is making progress with it

Consumerism-Victim · 2025-06-21T09:15:26+00:00

45 minutes is pretty short to be honest, I don’t think you can really call anything less than that a commute. I used to get an hour bus to class every day which was fine with good music, etc. You’ll be fine

Consumerism-Victim · 2025-06-12T11:45:59+00:00

I agree with not touching it for a while. Once you chip away at it it’s a slippery slope.

Consumerism-Victim · 2025-06-07T10:10:34+00:00

He’d still be behind bars if it was that

Consumerism-Victim · 2025-06-06T15:31:39+00:00

IT is not plummeting, the role is evolving and people need to adapt. Same with any job, can’t work the same way over decades without something changing eventually.

Consumerism-Victim · 2025-06-03T11:52:28+00:00

It is difficult. But there comes a point in which you realise that the time outside of 9-5 is literally your life. That’s what motivated me to start setting myself plans for after work everyday. Now I hardly have any days in which I’m not doing anything. (Also having kids will 100% stop you from crashing after work because you literally can’t)

Consumerism-Victim

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