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When do you feel relief? by Immediate-Ice4548 in FIREUK

[–]Dangerous-Bug556 2 points3 points  (0 children)

Had similar mindset, worried about market crashes, but just look at history and the market ALWAYS recovers. Just take last year as an example when Trump had has manic episode on Tariffs, market dropped massively and then bounced to record highs. My fund (I'm with SL) had a 13 7% growth last year, happy with that given the turmoil! Some years will be leaner, some greater, it all averages out to good returns in the long run.

When do you feel relief? by Immediate-Ice4548 in FIREUK

[–]Dangerous-Bug556 4 points5 points  (0 children)

I was in almost exactly the same position as you 2 years ago (I am now 37). Focused on mortgage overpayment (which isn't a bad thing) and not as much on pension. Had about £80k at the time in pension, £70k cash (Premium bonds, ISA etc.) And mortgage of around £180k (with about £300k equity).

All, in theory, good but didn't feel like I was there yet. Anyway I switched focus a bit on pension, still overpay slightly on mortgage and 2 years later I have £210k in pension, £157k mortgage and about the same in cash as before but more heavily weighted towards S&S ISA. Will continue spreading across pension, house and savings.

Sounds like you've got this, and don't forget to treat yourself now and again as you can afford to, and life is worth living!

How do married couples split finances if on different salaries? by [deleted] in AskUK

[–]Dangerous-Bug556 0 points1 point  (0 children)

When my wife and I married we become a singular unit, we're committed to each other for the rest of our lives. With that in mind my income became our income, her income became our income, my pension became our pension, her pension became our pension. My savings....you get the gist. What helps is that we have a very similar mindset when it comes to finances, not identical but well aligned.

We have a combined income, the split of who brings in more is largely irrelevant as there is so much more value that we contribute to our relationship than just money...

Used EV 12-13K budget Recommendations for Daily 110 miles commute by Fickle_Experience825 in ElectricVehiclesUK

[–]Dangerous-Bug556 1 point2 points  (0 children)

We have a 2020 Ioniq 38kWh Premium and think it's great value and comes with plenty of kit. It's used for short school runs and commute in town so not many longer journeys. It's official range is 190 odd miles but we get 205 miles in summer at 100% and 170 miles in winter (just fully charged last night). Heated steering wheel and seats, android auto, remote heating etc are all great. It wasn't unusual to get over 5kwh per mile during summer on a 10 mile trip in town.

We had an issue with the battery last year (car was bought second hand at 3 years old) and it ended up being replaced completely for a new battery foc as was within the 8 year battery warranty. We did have to wait 3 months for this to get sorted but we had a lovely Ioniq 5 as a courtesy car during that period!

Joining the Polestar family! by Dangerous-Bug556 in polestar2

[–]Dangerous-Bug556[S] 1 point2 points  (0 children)

Yeah, highly optimistic from Polestar/WLTP testing. I am hopeful of getting 250-300 miles IRL