22nd December 2019

These posts were originally posted on the MoneySavingForums (a UK money management site), I am moving my journals across to WordPress to have them in chronological order. I’m not sure how much of other people’s words I’m allowed to copy across from one site to another, so in some sections I may summarise conversations.

In response to a commenter gently encouraging me to use my inheritance to pay off my debts, and saying my nan would be proud I was being so sensible with it, rather than buying a ‘thing’, and saying that using windfalls to improve my overall financial position would have long term benefits

Thanks for stepping in. I’ve been talking to irl friends and what I think I’m going to do is spend half of it on paying off a chunk of debt. It wont pay off all of it but it’ll significantly reduce it, perhaps by as much as 2/3. Secondly, I’m going to spend a little over £400 on canal boat lessons so one day I can take the dog on holiday. Thirdly – I was planning on saving up over the course of the next [x] months for a particular bottle of very nice whiskey for being debt free. By moving up the timescale, I need to get the whiskey sooner. So I’m going to buy one material object, to open when I can celebrate being debt free.

In response to a comment saying that a divorce should be quite cheap if we are both in agreement and there are no children/property/big stashes of cash involved

Eh, we have no children, properly or cash… but he’s an !!!!!!. Last we talked (admittedly several months ago now) he was still threatening to take me to court over the dog unless I gave him £500. Also, even if he calms down on that front, I doubt he’s saving up money for the court fees so it’ll be up to me to pay them.

Worse case scenario, I use leftover money for a divorce party. My goal is to have £1000 by the two year separation mark but idk if I’ll hit that goal, I’ve been leeching money from the divorce fund over Christmas and my contributions will be dropping until I pay off my debt. (…which will be less time than I thought!)


Merry Christmas everyone! Have a good one!

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