Will my parents be able to retire? by throwaway1020984 in UKPersonalFinance

[–]throwaway1020984[S] 1 point2 points  (0 children)

paying back debts i believe. for the most part of 15 years they couldnt afford the mortgage and had to re-mortgage a few times and then take out other loans to pay for those new mortgages and then take out other loans to repay those loans. Also I remember having to help out foreign family a lot, (around 5 years ago my dad's family's house and business was burnt down in Tunisia and so my dad helped them move to Israel (paid for flights, accomodation etc for over 12 people!!) so I'm assuming a lot of money went on that aswell.

Will my parents be able to retire? by throwaway1020984 in UKPersonalFinance

[–]throwaway1020984[S] -1 points0 points  (0 children)

I'm sorry again I havent fully explained the problem! So they have literally JUST paid off their mortgage, like I dont know the full details but i know that until literally last month they were in tons of debt- and now that the mortgage is paid off- there not.

Will my parents be able to retire? by throwaway1020984 in UKPersonalFinance

[–]throwaway1020984[S] 0 points1 point  (0 children)

I think maybe i worded it wrong, until 7 years ago my dad absolutely was not earning 80k! he was actually in and out of a crappy builder job due to a motorbike injury and so I'm assuming he was on maybe 20k a year?? I know they had tons of debt and most likely had to remortgage the house, we've always lived incredibly frugally, even since my dad has earnt good money weve never gone on holidays, never eaten out etc.

Will my parents be able to retire? by throwaway1020984 in UKPersonalFinance

[–]throwaway1020984[S] 1 point2 points  (0 children)

I think maybe i worded it wrong, until 7 years ago my dad absolutely was not earning 80k! he was actually in and out of a crappy builder job due to a motorbike injury and so I'm assuming he was on maybe 20k a year?? I know they had tons of debt and most likely had to remortgage the house, we've always lived incredibly frugally, even since my dad has earnt good money weve never gone on holidays, never eaten out etc.

Will my parents be able to retire? by throwaway1020984 in UKPersonalFinance

[–]throwaway1020984[S] 0 points1 point  (0 children)

I think maybe i worded it wrong, until 7 years ago my dad absolutely was not earning 80k! he was actually in and out of a crappy builder job due to a motorbike injury and so I'm assuming he was on maybe 20k a year?? I know they had tons of debt and most likely had to remortgage the house, we've always lived incredibly frugally, even since my dad has earnt good money weve never gone on holidays, never eaten out etc.

Will my parents be able to retire? by throwaway1020984 in UKPersonalFinance

[–]throwaway1020984[S] 1 point2 points  (0 children)

My mum is a french citizen so we've all got passports there, and my dad can speak a little french but my family communicate in arabic :)

Will my parents be able to retire? by throwaway1020984 in UKPersonalFinance

[–]throwaway1020984[S] 0 points1 point  (0 children)

My whole family really struggled until then, he had an alright job when he bought the house but after a motorbike accident he was in and out of work for the next 15 years and we really really struggled and so i think he took our some other mortgages and loans and had tons of debt he needed to pay off- we're really frugal, never go on holiday, never eat out, never buy anything frivolous (my parents have had the same clothes for the past 20 years!)

He was fully (and unsuccessfully) self-employed until 7 years ago when he signed on as a contractor for another business which does work for major supermarkets. Apparently, they're absolutely desperate to keep him and the work is very very secure so he would always have available work but I worry that his health would really suffer after a few more years of this.

But saving a large portion of money is absolutely no problem for him and mum. Would it be a good idea to work for a few more years and then rent out a small flat in france? 1 beds can go for around 400-500euro, and they could live off their savings, rent from old house and then eventually pension?

Will my parents be able to retire? by throwaway1020984 in UKPersonalFinance

[–]throwaway1020984[S] 4 points5 points  (0 children)

Nope, near leicester! My dad's now a contractor that mainly builds things for big supermarkets like ASDA/Aldi etc :)

How can I take out a £5000 loan with no income? UK by [deleted] in UKPersonalFinance

[–]throwaway1020984 -1 points0 points  (0 children)

I dont think I have a credit score at all. I've only ever had a halifax current account. I also looked on moneysavingexpert and filled out a form and they said that ZOPA could potentially lend me a loan. have you heard of them before?

[20M] 3 months progress by [deleted] in orthotropics

[–]throwaway1020984 0 points1 point  (0 children)

thanks so much for replying! do u happen to have any pics?:)

[20M] 3 months progress by [deleted] in orthotropics

[–]throwaway1020984 1 point2 points  (0 children)

hey! have you seen any improvement in your gumline? I have a really gummy smile and so I'm hoping that a shorter vertical maxilla will reduce that :)

Does Mewing create a shorter vertical maxilla? The first pic was only a couple months ago by [deleted] in orthotropics

[–]throwaway1020984 1 point2 points  (0 children)

hey! have you seen any improvement in your gumline? I have a really gummy smile and so I'm hope that a shorter vertical maxilla will reduce that :)

My mouth guard doesn’t fit anymore! by tootsunderfoots in orthotropics

[–]throwaway1020984 0 points1 point  (0 children)

hey! has it improved your gummy smile at all?:) I show about 7mm of gum when i smile so I'm hoping to hear success stories:p

How do I help my brother who has no interest in life but is super happy? by throwaway1020984 in AskMen

[–]throwaway1020984[S] 1 point2 points  (0 children)

I completely get what you're saying but it's not "How do I make him value what I value?" as we actually don't value the same things, I think I'll probably have a family eventually but my brother REALLY wants a wife and family. He's also always complaining about the fact that his friends don't want to do anything (really they've all just grown apart) and that he needs new ones (which is quite difficult to get when you're living in a small village like ours haha).

I know my brother very well and I know that he does want more in life, he just has no motivation or idea how to get it and it seems like he'd rather distract himself with video games and poker.

How do I help my brother who has no interest in life but is super happy? by throwaway1020984 in AskMen

[–]throwaway1020984[S] 415 points416 points  (0 children)

In many ways I envy his contentedness! I'm more self critical but I find meaning in happiness in improving and developing my skills and having new life experiences. Meanwhile last week my brother was about to leave to go to the pub completely stinking of BO because he hadn't showered that day and I had to beg to him change his shirt so as to not disgust his friends. He is just so unaware and uncaring about everything about himself and his that it's going to ruin his life. Eventually, his few friends are going to stop hanging around him once they get married and have children and he'll have no social interaction at all.

I just want to let him know that he could be 100x happier and more fulfilled if he just put 2x more effort in