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Like the format

Only if you're totally insane.

FIRE - shoot for the moon you may hit the stars! X

This popped up on my feed and happy I clicked to watch. Definitely going to have a chat with my mum for us to get our wills completed at the same time. We both have had medical issues in the last couple of months and it would be great for our family of we got it sorted. Funeral party might be a step too far lol

Ok, don't blame the husband. Is divorce a viable financial option for the wife?

YES

In answer to your first question, I would love a longer podcast, like a big chunky one once a week with juicy topics. Then maybe like a money minute style one with quick fire hot topics or something?

TikTok is driving me insane at the moment 😂 if I wanted to swipe across peoples picture carousels I’d open Instagram, bring back the videos! 😂

What is the point of this short?

At 25 at least they're thinking about investing

Buy BTC

When can we see the presentation? 🤣

They do have an answer on The Vault pod🎉

Idk in my mind 2 months isnt that bad and shes so close already. As long as the planets align and nothing else happens i dont think the 6 months total is that bad, at least thats my not single mom math so im not judging, just answering

It's interesting to read the comments, I wonder if this is a British thing? No one seems to have any issue with the school setting the situation up like this. Kids who are lower income for any reason shouldn't be left out of school functions, why doesn't the school raise funds to send everyone witout cost or at least have some funding available to pay for those who can't afford to go?

Work together to come up with some extra cash. Pet sit or clean houses.

Tough decision. Depends a lot on how old the kid is and what the trip is

Honestly, as a kid who grew up in a similar situation, sure, it might be devastating to not be able to go, in the moment, but as long as you explain WHY you're unable to, and do it respectfully, he'll be fine. Overdraft is for emergencies. School trips aren't emergencies.

2 months versus a lifetime of a memory. take the two months.

f that shit!!!!!!!!! say no

This happened to me as a kid, school trip over $400. I didnt go, they sat me down and explained why it couldn't happen, and I will admit I was sad. That day instead of sitting at school while my classmates were at 6Flags my dad took me to the mall. (We went three times my whole childhood). The day was about me, and having fun. We spent some money on stuff I wanted, ate out, got ice cream. It wasnt 6flags with my class but they did their best.

All of the suggestions are great, but I don’t see any suggesting that she ask the dad, grandparents, aunts, uncles, etc to help her out with this…and let son know it’s going towards a birthday / Christmas gift. Money was super tight for us, too, when our girl was in private school, and the whole family chipped in when we needed them to. And a lot of times, those trips were in lieu of birthday presents.

it would *only* set you back 2 months? so you'd be 6 months away from being debt free instead of only 4 months? that's nothing! give your kid the experience and the memories.

This is a situation where husbands and dad get put in all the time. It's not that hard, suck it up cupcake either pay for the trip or learn what it means to be the less favored parent and tell him no.

If she's just four months from becoming debt free, would 400 plus spending money (100? -- not sure how long the trip is), which she says would add just 2 months onto her debt time (for a total of 6) actually be that bad, in context? (She could stress to him that if she pays for this trip then that means there won't be any money for "x" extra things in the autumn/whenever, so he needs to make sure how much he wants the summer trip.) I don't see where adding two more months is *that* much of a deal breaker -- she'd still be paid off by the end of the year and debt free.

The solution is to have the dad (or a step dad) in his life to pay for these things. Single mothers just do not work well in society.

Two months is nothing for your kid to get to yo experience something with his peers.

One option is to take a cheaper trip yourselves. When I was in 8th grade there was a field trip to the capital that would have been 2 days of traveling, 4 days there, and 2 days traveling back. The fee was about $300 per person (this did include bus fare and cold sandwich meals). I was really sad that I couldn't go at first because it was too expensive but my parents had been saving for years to take a family vacation, I was able to stay in the capital city longer than my classmates did and do much more interesting things. My family is large, but for this family which is only 2 people you can likely get cheaper transportation and boarding than what the school provides and find tourism that's low cost or free. Take a £200-£300 trip for both of you where your son can choose the activities instead of paying at least £400 for him to be stuck in a bus and hotel room with classmates (teachers will probably split up friend groups intentionally) and pushed through a bunch of "educational" activities that will bore him. Also some schools have payment plans or charity funds for families who can't afford trips (like another family can pay £450 if they're able so the extra £50 is discounted for another child)

Its not an hard choice. Shes over complicating it. Good debt managment does not mean debt free. Debt free sounds nice but shes confusing having debt with being broke. Every financially successful person carries debt almost constantly and leverage it to create wealth. Pay for your sons trip and manage your debt. Debt free journey is a joke.

I think you need to have a talk with your son. See if you two can find a way for him to earn the 400 pounds. If he puts in an honest effort and comes up short. Ok, dip into your emergency fund. But if he didn't put in any effort, then don't. Make it his decision if he goes or not. Who knows, maybe he'll find what he really loves to do for work in the process and surprise you. And if he doesn't that's ok too (as long as he really tries).

Im a mom in the same boat right now. Im 3k in debt with home repairs and getting school supplies and clothes, just coming back from a auto accident andbhaving to buy another auto. Hes going on the trip. Im working 60 hrs (2 jobs) a week to make sure we stay afloat. His childhood years shouldnt be burdened with worry. Hes going to have enough of that once he gets older. And i hate the fact that he worries about how much money he costs me. It will NEVER be an issue when it comes to his happiness. Ill sell my soul before it gets to that point.

Your son's experience with his school is once in a lifetime. He will never have the same opportunity to go with his class to the same place again. Take the debt. Apply the caution to things that you would forget about 5 yrs from now.

The father should be paying child support and that should help with this sort of thing.

Just take the damned debt! If you're using terms like "debt free journey" and saying it will only set you back 2 months, you clearly can afford the added debt, so do it. I don't understand why this is even a question being asked. She sounds a tad out of touch on what poverty actually is.

Not sure how old he is, but if he is not old enough to get a job, I would use the overdraft for the trip. It will only put you back 2 months in clearing your debt, which is not that long. It is an experience he will remember forever. However, I would have him put some skin into the game by having him contribute in some way, maybe the spending money if possible.

He needed to get a job and pay for that trip himself

If the question is already minute long and you don't have time for an answer, then DON'T POST.

NEVER buy anything that expensive with someone you're not married to. There's no legal protection if the other person bails out. 😬

LOL, feminism has destroyed culture

My parents did the same thing to me. But I realized pretty quickly it was because they didn't want my brother living with them. The help they were offering was from a place of trying to move him out of their house. It really isn't fair, no matter the reason.

Dilemma 1: why not do long distance for a set period of time while you look for a job. Then move when you have a job rather than the worry of moving with nothing?

Why does someone aged 37 need parental financial support?

That’s exactly like my situation. Turns out my mum is a narcissist and I’m the one she attacked. I’m also the only daughter and when I was pregnant with my son she goes “that’s great, boys are easier”. I don’t speak with her anymore when she told me that she was giving some of my inheritance to another person. Not just for that reason, but that was the icing on top. I don’t even care about her money but it’s how she cares about others more than her first born.

Is one of his parents a step parent?

Id also say the parents were in different financial situations

My sisters are probably like this. One never paid rent, one paid but a small amount but she had the attitude she would do whatever she want. I dont have to pay rent i help with food etc but i also am disabled and treat my parents with respect which they still dont. My parents always know where i am and i always ask if they dont mind me going out, and i do other things around the house. But just the fact of me living here regardless of anything else they hate and are jealous about. Which makes no sense to me as they have their own houses and wouldnt want to move back anyway

Remember that when they get old and need everyday help 😉.

be proud you can stand on your own and help your brother get on his own feet.

I am 99% sure she is a woman. Same old story. Boys get away with being disgusting, emotionally inept scum while girls are used and abused for their labour and judged to the Gods and back. But let's pretend that life is so hard for men. Boo hoo.

The only reason I can see there might be a neccessary difference in the treatment between the elders and younger child is that the larger age gap means they are inhabiting completely different economic realities at the same ages. The younger brother's expenses would be a lot higher percentage of income and he would actually need more financial help these days.