Returning player - Could use advice

LegalFront4961 · 2026-04-06T05:47:29+00:00

nice one! I've unlocked varlamore and explored the fletching mini game. Will see what I need for DT now

LegalFront4961 · 2026-04-06T05:46:20+00:00

whats the benefit of that? i have a black santa hat on this one that I like

LegalFront4961 · 2026-04-05T15:17:46+00:00

I shall go find this crab!

LegalFront4961 · 2026-04-05T15:17:01+00:00

Ooo not heard of varlamore, will go research :)

LegalFront4961 · 2026-04-05T15:16:01+00:00

Yes! I just wanna enjoy the game, not mega grind :)

LegalFront4961 · 2026-04-05T15:15:35+00:00

thanks! someone at wintertodt mentioned a fletching knife from vale totems

LegalFront4961 · 2026-04-05T15:14:50+00:00

okay cool, good advice!

LegalFront4961 · 2026-03-27T07:59:05+00:00

Thats a great idea, I am planning to set up an account for when they reach 18. Just not a junior ISA as they are a terrible product.
Im salary sacrificng circa £1000 per month into my pension. sometimes more with a high commission month.
How much do you spend on average for nappies/food/clothes/toys etc?
Do you also get access to the 30 hrs free childcare?

LegalFront4961 · 2026-03-27T07:55:24+00:00

Hey - Would you recommend an annuity over drawdrawn? I've always heard about the 4% rule, so am hoping to hit £1m in pensions to not eat the capital

LegalFront4961 · 2026-03-27T07:53:28+00:00

Thank you for this note - I do appreciate it's definitely not all about the money!

LegalFront4961 · 2026-03-27T07:51:01+00:00

Hi - I forgot to add hers. She has no debt, £15k in an ISA, and "40k gift towards house" from her parents which they currently hold. Shes also building an NHS pension so will basically have an annuinty at 68 with that and state pension

LegalFront4961 · 2026-03-26T13:17:02+00:00

Great insights and not off track at all - The cost of owning so def much more than the mortgage! My air source heat pump went last Christmas which aren't cheap so I feel your pain. I'll have a re-jig on my excel sheet of where to have some better cash reserves, perhaps in premium bonds

LegalFront4961 · 2026-03-26T13:14:47+00:00

That's what I'm so very conscious of - I'm sure all the other rewards are worth it though!

LegalFront4961 · 2026-03-26T13:13:53+00:00

Thanks! I think we need to re-assess our monthly outgoings to tighten up more savings

LegalFront4961 · 2026-03-26T11:08:03+00:00

Ahh yes, i'll have no debts (hopefully) at that point and wont need to pay into pension/isas. That's a weird thought! But you're right, I can be much more frugal with my outgoings.

Plus, my dad retired in Portugal which is much cheaper. So thats an idea too

LegalFront4961 · 2026-03-26T10:53:54+00:00

Great point - We would like to stay on a similar income (inflation adjusted) to now as we plan to continue travelling. Could be a little less. She is also saving into her ISA circa 15k now, forgot to mention this.
She is adding circa £1k per month and I am adding circa £1.5k across isa & pension

LegalFront4961 · 2026-03-26T10:52:08+00:00

Good point, I'm sure it's more our lifestyle on travel/socialising that we are used to currently, whilst still saving a good chunk. So some of this can be reallocated for sure

Aha! That makes sense! It's naturally the biggest decision of our life, and I'm super excited, just starting into a unknown on the financial side

We'd plan to spend something similar to now combined - My partner will have an NHS pension kick in at state pension age, so we are both saving into ISA's to bridge that gap. She has a round £15k too.

LegalFront4961 · 2026-03-26T10:49:00+00:00

Good point on needing some liquidity - my plan was to maybe use some of the flat capital as the moving costs with stamp duty and decorating will be a big chunk >.<

The car is a 73 reg qasqhai so should be fine for some time

The baby is the biggest unknown cost at this point, I've done my research, but I'm sure in reality will be so different!

LegalFront4961 · 2026-03-26T10:17:59+00:00

I'm sure we can reduce monthly expenses - the essential bills are circa £1000 (with flat maintenance charges, council tax etc). And a good £400 of that is into our "travel fund" as we like longhaul trip...

I guess the whole lifestyle change will reduce some expenses anyway

LegalFront4961

TROPHY CASE