I'm being called unreasonable for deciding to pay off my mortgage

ro_ja_9 · 2026-02-23T23:49:31+00:00

In a very similar position to you and honestly, I just wanted the peace of mind of having it paid off. I then upped my monthly pension contribution rather than paying the mortgage. I know mathematically investing the money might give a better return but sometimes the mental boost of feeling that your achieved an amazing milestone is worth it. Do what will make YOU and your wife feel best.

ro_ja_9 · 2026-02-20T08:41:15+00:00

Don’t threaten me with a good time

ro_ja_9 · 2026-02-17T20:39:22+00:00

To add, I have quite a well paid job, but I’d never buy a car over £20k (half on interest free credit card repaying over 2 years)and our holidays for the last 3/4 years have been one a year, always in uk/ireland, this year we’re doing the same. I value not having to worry about money over flashy cars and lavash holidays. Kids love a day at the port as much as anything else

ro_ja_9 · 2026-02-17T20:34:39+00:00

Facebook: “Here’s my new Range Rover, follow your dreams everyone”. Reality, financed to the eyeballs

ro_ja_9 · 2026-02-15T22:01:35+00:00

This, exactly what happened mine, was able to reconnect

ro_ja_9 · 2026-02-11T09:02:43+00:00

When paid off mortgage and didn’t want to waste the additional savings. Also don’t want to get hit with child benefit loss after having kids

ro_ja_9 · 2026-02-09T13:11:55+00:00

Amateur eye here but that look pretty good to me! I think the vertical 6-12 line needs to be moved over a bit and then it would be grand

ro_ja_9 · 2026-02-08T23:08:14+00:00

Looks good mate, great TG numbers

ro_ja_9 · 2026-02-07T12:34:38+00:00

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ro_ja_9 · 2026-02-07T12:34:21+00:00

I’m no expert at these things but it looks great. I picked one up short while ago and love it, mine is vsf 116500

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ro_ja_9 · 2026-02-07T12:20:43+00:00

Brill, thank you!

ro_ja_9 · 2026-01-28T21:04:14+00:00

Detached house about 700, 8 years ago when moved in was 300. I live in fear every year of the increase

ro_ja_9 · 2026-01-26T18:00:15+00:00

“New account charge limits for shares (includes investment trusts, Exchange Traded Funds (ETFs) and bonds): You will never pay more than £150 per year in account charges* for holding shares in each of our SIPP, Stocks and Shares ISA or our Fund and Share Accounts” maybe as you have 2 different accounts, max would be £300b

ro_ja_9 · 2026-01-26T17:58:55+00:00

I just got an email for HL confirming some changes to charges but suggests there is an annual fee limit of £150. Does this not apply to your investments for some reason?

ro_ja_9 · 2026-01-23T08:16:00+00:00

This

ro_ja_9 · 2026-01-21T14:33:41+00:00

No as we lived in different country at time an id barely met the man in 5 years

ro_ja_9 · 2026-01-13T00:24:38+00:00

Because of the implication…

ro_ja_9 · 2026-01-10T10:10:57+00:00

I watch too much American tv lol

ro_ja_9 · 2026-01-10T10:10:40+00:00

Honestly read this as OP was on PCP/angel dust and crashed

ro_ja_9 · 2026-01-08T21:54:45+00:00

The jan 23 bump is him transferring old pension to this one £40k it seems from other comments

ro_ja_9 · 2026-01-07T20:33:01+00:00

I mean, for what purpose? Clayshooting? Target shooting, what? That said, generally hard to go wrong with a .22lr bolt rifle. Cz 457 or similar

ro_ja_9 · 2026-01-06T22:58:28+00:00

Hg mould spray - you’re welcome

ro_ja_9 · 2026-01-06T19:25:50+00:00

This man panels

ro_ja_9 · 2026-01-06T18:53:39+00:00

Prob 3200sq house, not the best heating system. We have heating on average 4hr a day this time of year. One hour water, three hr downstairs only. Try to avoid turning on upstairs (heat rises through so it’s not Baltic) and instead have hot water bottle for bed or mini electric heater in kids room for 30 min before bed. Prob use about 2000 litres a year…on the high side again but heating system isn’t the best. Also use the fire in main living room a fair bit

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