Alpha One, Alpha All #

[alpha99]

I haven't sort legal advice. Actually, I think I will reduce the mortgage payments to £5/month for the time being. I will pay that and keep records of her non paying. With other bills cancelled, the council tax would be the only remaining bill - around £90/month. So £95/month all in for the house.

W and I getting on better right now. Timing is crucial. I will bring up finances once we're on slightly surer ground.

I think average mortgage length in the UK is 25 years. We had blasted the balance down to have 4.5 years remaining at the speed we were paying. In reality it should have been 16 years remaining.

Part of W's problem was feeling trapped due to overpaying mortgage. My view was in 4.5 years we'd be mortgage free for the rest of our lives...meaning more holidays/fun times etc. She'd have been 32-33. Having no interest in finances, she wouldn't see the long term plan, just she was missing out now. I countered 11 holidays in 2 years wasn't missing out, plus nights out, cinema and theatre trips, concerts etc etc. In her selective memory none of those things either happened or were any good. They certainly aren't happening for her now. Reality is biting in. She's talking about a 3-4 day UK holiday (weather anyone? Hahaha) this year. Bit of a come down. She can't go on successive nights out, theatre, cinema, socialising events cos she's short on money. Welcome to the real world, now I'm not sorting everything out for her.