Divorce because I betrayed her trust - PART 6

[DaB35]

Interesting texts from W today:

"Hi, I need my tax returns for the last few years. How can I get my log in details from the tax website?"

I waited an hour then replied how she can get it (go on the website and ask for reminder!).

Few mins later:

"Thanks, got it now. I'm confused as to how much my net profit it - is it really that low? Trying to get a mortgage and I think I'm totally screwed."

I want to say:
"Well, this is what splitting up does! I'm in the same boat, thanks to your decision to throw everything away and put us both in financial uncertainty, and refuse to put any effort in sorting out our M."

***You'll all be pleased to know that I have NOT sent this reply!***
'How to shoot yourself in the foot several times in one text' by DaB35 - "out now in all good bookshops!"

Of course it's very tempting to fantasise about W sitting alone in her brother's house thinking, "What have I done? I can't do this. Maybe I've over-reacted? Maybe we should talk. The house sale isn't final yet. Maybe MC is an option..." I'm working very hard at not dwelling on this, and just keeping up my PMA and confidence.

I need to explain to her that it's not just a case of sales less costs; there are further expenses that can be deducted.

[For the Non-UK people here, there are other things a self-employed person can claim to reduce their tax bill depending on what kinds of costs they are as long as they're related to their business. I won't go into it here, but that's the basic gist of it.]

The plan usually is to claim as much as possible most years. Our mortgage was originally due for renewal in 2021, so for the last two years or so before that we'd have not claimed certain expenses in order to keep our profits high. We're both employed too, so that would have helped our case to get a better deal, especially as I'm due a pay rise soon this year.

Now of course, the house is being sold and so we'll have no mortgage between us soon.
Makes it VERY hard to get somewhere by yourself now, house prices being so high in the UK at the mo.

Should I just say:
"[short explanation of the figures]. Sounds like you're feeling very anxious about living alone; I can see why you'd feel like that."

Bit of advice needed before I reply back to her please!

In other news - got a 'well done' email from the gym. I broke a personal record on New Year's Eve when I went for a work out session. Now up to 70kg on leg press, 17.5kg on shoulder press, 40kg on chest press and 52.5kg on the abs/crunch machine. Definitely seeing a faint six-pack now! Also my arms look a lot better. I've never had a better opinion of how I look until recently.