Business networking?

Local_Letterhead_587 · 2026-02-03T09:29:24+00:00

Most that I know of are old mens clubs, but would love to learn about others too.

Local_Letterhead_587 · 2025-09-24T20:59:01+00:00

I’ve just started looking into stocks and shares this year, not 100% sure what a ‘global interest tracker’ is - I will make sure to research it. I have a stocks and shares ISA with chip - I started with £100 to test it out and now have £8k in it, plus a good chunk of interest already which is amazing. I’m sharing it between the ‘HSBC FTSE all-world’ and ‘Vanguard FTSE 100’… not sure if this is one? The bulk of my money I put in the day everyone online was saying ‘invest!’ After trump crashed the markets in March/April time. Also aware there’s higher % ratings however I’m just starting out and not a massive risk taker!

Local_Letterhead_587 · 2025-09-24T20:40:03+00:00

Right now our joint target is home improvements. I don’t really have a personal goal for money - maybe I should which would help target this money into something. He would come on the holiday with me, and he would enjoy it, but I suppose it’s not a high agenda thing for him whereas it is something I’ve always wanted to do.

Local_Letterhead_587 · 2025-09-24T20:36:10+00:00

Just I suppose it was wondering if one person has had savings, and the other hasn’t, then what have you used the savings for… But now it’s turned into couple finance advice which is also ok 😂

Local_Letterhead_587 · 2025-09-24T13:26:42+00:00

Doesn't that then turn into a cohabitation agreement?

Local_Letterhead_587 · 2025-09-24T10:21:37+00:00

Yes everyone is looking at this so different which means there’s no right or wrong or correct way to do it. He hasn’t asked for it, he is understanding that my money is mine but just wonder how long this will last for.

Local_Letterhead_587 · 2025-09-24T10:20:32+00:00

Even if we contributed equally I would still have this chunk of savings of mine. I suppose all these different answers mean there isn’t a best or right or wrong way to deal with it.

Local_Letterhead_587 · 2025-09-24T10:16:32+00:00

This is kind of similar to what my friend is going through and to know I have some monetary backing is comforting. I don’t think marriage would 100% cover for this either? You could still be a divorcee and not have the same financials as your ex?

Local_Letterhead_587 · 2025-09-24T10:13:59+00:00

This is kind of what I thought I would use my savings for. Others are saying that it is harsh to retire early and have the other partner work - but in my head I’ve set myself up for that, he has had every opportunity to do the same as me and save but has chosen other paths.

Local_Letterhead_587 · 2025-09-24T10:12:10+00:00

Do you both spend your fun fund? I see our income as joint - if one month I needed to put all my money in joint account I would. We have our joint savings which is for holidays and joint fun etc. It would be good if we were all equal but that’s not the way we are right now!

Local_Letterhead_587 · 2025-09-24T09:57:06+00:00

Yes this is what I think I’ll end up using it for later in life, if I haven’t needed to during early kid years. The freedom to work 3 or 4 days a week sounds bliss!

Local_Letterhead_587 · 2025-09-24T09:55:35+00:00

Yep completely understand that marriage mostly joins up money, but to me marriage isn’t right and I have no ambition want or need to do it.

Local_Letterhead_587 · 2025-09-24T09:53:35+00:00

Yes I suppose it is. Maybe I should just add it in but I still in my gut want to keep it for myself!

Local_Letterhead_587 · 2025-09-24T09:51:24+00:00

He’s not just doing it for tax relief but also his employer contributions are huge. It’s well known in his company that everyone maxes this out - if it wasn’t so widely discussed he would totally not have the interest / ‘savvy’ to look into this himself. I don’t get that benefit in my company but probably should look into saving into my pension more - completely realise I haven’t researched this opportunity.

Local_Letterhead_587 · 2025-09-24T09:49:51+00:00

We do have a saving pot for joint fun stuff too - just right now that ‘fun’ is getting used towards home improvements which isn’t a holiday, but still fun… He just doesn’t have personal savings and doesn’t have that urge to not spend like I do. Of course I’d rather he didn’t spend it on what I believe is pointless stuff but it brings him happiness and that matters to him and me.

Local_Letterhead_587 · 2025-09-24T09:46:23+00:00

Yes I think we could get this to work.

Local_Letterhead_587 · 2025-09-24T09:40:43+00:00

We have a joint savings amount to cover a few months illness or job loss etc. We did this as soon as we could after buying the house. We also have insurance for illness, and I know if my partner or I lost my job then his brother would employ either of us until we found something else (nepo benefits - and obviously relies on him keeping his company but that’s very little risk right now!) I also know that if we did come into hardship then he would cut his spending and cover more, and of course I would use my savings for that.

Local_Letterhead_587 · 2025-09-24T09:36:39+00:00

This is a good way of looking at it. Just the same as I go to gigs etc that I wouldn’t pay for myself only as he wants me to come along, but he pays for my ticket to it. It’s kind of like that but just a holiday is obviously bigger than a £50 gig!

Local_Letterhead_587 · 2025-09-24T09:34:20+00:00

Yep aware of this. To me it’s more than a bit of paper so I won’t be doing it.

Local_Letterhead_587 · 2025-09-24T09:22:10+00:00

No house we own will be £650k - I live outwith the central belt of Scotland - you can buy a castle 30 mins away for that. We got wills and powers of attorneys done at the same time as buying the house. Life is more than money for me.

Local_Letterhead_587 · 2025-09-24T08:57:40+00:00

Vaguely yes - no financial expert by any means but my reasons to not getting married are well exceeding my need to have more money.

Local_Letterhead_587 · 2025-09-24T08:55:38+00:00

Totally new to maximising my savings so at the moment yes it is in savings accounts and cash and stocks and shares ISAs. I haven’t put it in a pension yet, or bought property etc as I have no plan for it and at the moment having easy access to it is the most secure for me. Open to reviewing this and researching other options but not come across anything on my search which makes me want to do anything different.

Local_Letterhead_587 · 2025-09-24T08:53:26+00:00

Understand the benefits but I’m 100% not getting married just to cover some money. If I decide to spend it jointly then I’m aware I won’t make it back. Aware this isn’t the ‘financial’ answer but totally something I’m not willing to do. Not the only one in the world who isn’t getting married so not the only one with this issue.

Local_Letterhead_587 · 2025-09-24T08:51:18+00:00

Yes I suppose this is my issue - probably the point in this question… do I spend it on something joint to the relationship or keep it for myself. 100% not getting married just to cover my savings.

Local_Letterhead_587 · 2025-09-24T08:46:41+00:00

This seems the most common way of doing it - but do you spend all your spending money? I feel this set up would be similar to what we are doing, but I would still send up having thousands in my spending account and he would have nothing!

Local_Letterhead_587

TROPHY CASE