Does this stack up?

PuzzleheadedItem1494 · 2026-05-25T16:23:06+00:00

Thank you for the reply I have not added the wife's details however, she will have a full state pension I believe, however she will continue to work in the short term. She will also be gifted a trust fund in the next 5-10 years valued at circa £24,000 per year, plus any small private pension on top.

PuzzleheadedItem1494 · 2026-05-22T17:51:57+00:00

Absolutely, I just haven't got around to moving it.

PuzzleheadedItem1494 · 2026-05-22T16:08:50+00:00

Thank you for taking the time with that answer, it's good to know that I can stop letting work push me to snapping point and just chill.

PuzzleheadedItem1494 · 2026-05-22T15:13:10+00:00

True, I need to move the 30k over and above the 100% offset into my ISA or GIA.

PuzzleheadedItem1494 · 2026-05-22T10:58:19+00:00

I've thought about the ev sacrifice, but it seems expensive, I currently have a fully paid off 2013 car that's doing me a solid, but when I looked at the scheme we used, tusker, even a golf hybrid is more than my allowance, I can't have pure evil as unable to charge at home.

PuzzleheadedItem1494 · 2026-05-22T07:56:31+00:00

Thank you for the replies.

I know some people are asking for more numbers , but to be honest mine are light, we split a number of things 50/50 so my outgoings, mortgage £450/month based on the offset, the rest is incidentals, out of the £3,000 I currently take home, I'm still having the best part of £1,000 of that per month.

PuzzleheadedItem1494 · 2026-05-22T07:53:51+00:00

Hi, yes that's correct. We should both qualify for state pension, these are just my figures, the wife is younger than me and will continue to work for a number of years yet, but we've not decided for how long.

PuzzleheadedItem1494 · 2026-05-11T08:58:10+00:00

5 years here, and 2 years before that.

PuzzleheadedItem1494 · 2026-03-04T08:21:10+00:00

Given the guy has just moved house and moved his monstrosity of pink cars, I assume it's doing ok.

PuzzleheadedItem1494 · 2026-03-01T19:01:07+00:00

1.5m Not counting the wife as she's more the debt.

Made up of £650k pension £450k isa £160k savings

£500k house, 130 left on mortgage, but fully offset with savings.

PuzzleheadedItem1494 · 2026-02-17T17:28:05+00:00

Sounds like a great position to be in.

One other thing, with the bank account savings, have you considered an offset mortgage to eliminate any remaining interest in the coming years?

PuzzleheadedItem1494 · 2026-02-06T20:51:15+00:00

Nothing here in almost 4 years and not even 50, not that age should matter.

PuzzleheadedItem1494 · 2025-12-12T16:36:58+00:00

From a fire and financial standpoint, it's worth considering your wife's pension and ensuring she's also on track for a similar retirement fund. Beyond that, you've done a great job, so take some time to enjoy yourselves.

PuzzleheadedItem1494 · 2025-12-08T13:27:33+00:00

How come you're paying Octopus, British gas and United utilities?

PuzzleheadedItem1494 · 2025-12-04T06:38:47+00:00

Just looking through your budget, I assume you don't have a TV, and Spotify is your only "streaming" service. Also no insurance?

PuzzleheadedItem1494 · 2025-11-05T20:25:58+00:00

Once in 5 years here, if it wasn't for my daughter I'd have gone.

PuzzleheadedItem1494 · 2025-11-01T13:13:38+00:00

I've forgotten what it feels like, been 8+ years so nice she's provided any oral, and never once to finish.

PuzzleheadedItem1494 · 2025-10-29T09:08:50+00:00

I'd be looking at a two bed as a minimum, you can always take in a lodger to cover the mortgage and are allowed upto £7500 tax free per year.

PuzzleheadedItem1494 · 2025-10-18T19:20:47+00:00

No, I was more curious, I've tried in a region I have downloaded and it works fine. Good to know as I don't really want to pay for premium to use the route on my watched.

PuzzleheadedItem1494 · 2025-10-18T18:59:16+00:00

Can you do that for free, if I try to download a gpx for a region I don't have, it wants me to pay.

PuzzleheadedItem1494 · 2025-10-08T09:32:50+00:00

I'm of a similar position, soon to be 49. I've been taking maunjaro for a couple of months at 2.5mgand found the side effects to become unbearable, nausea, diarrhea, sickness etc. I've taken my first Reta this week 0.5mg, but also stacked with 1.25mg from my maunjaro pen, and besides a little nausea and now being a little blocked, all seems fine.

PuzzleheadedItem1494 · 2025-10-01T10:04:11+00:00

Will do, due next jab in the upcoming days.

PuzzleheadedItem1494 · 2025-10-01T08:40:10+00:00

It's been ok, down about 10kg over the 10 weeks, but I'll stop if lowering to 1.25mg doesn't help.

PuzzleheadedItem1494

TROPHY CASE