How do you handle constant expenses even when you’re good with money?

I know overall I’m in a very lucky financial position.

I’m 30, married, twin toddler boys.
I work 2 days/ week.
Husband covers most of the household bills.
I put £350/ month into SIPP and around £350/ month into savings, and am left with some spending money (~£300) after helping with some bills.

I am comfortable and have a good base saving pot (~ £50k).

The thing is every week there seems to be new expenses coming up.
My sister has a baby and is getting divorced, and will need help with buying a house. My whole circle is either getting married or having kids so expenses galore.

How do you handle these types of expenses without it stressing you out too much?

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u/Crazy-Direction9937 — 20 hours ago

Paranoid over my sex life

I know this may sound stupid, it’s my overthinking.

I’ve been married 7 years and we’re 30. 2 twin toddlers. We have generally had a happy and loving marriage, with the odd bickering etc as normal.
My husband is very hands on at home with the kids and works full time too, I work 2 days.

On average, we are intimate 2x a week, sometimes a little more sometimes once a week. Before the twins it was around 2-3x a week but I never really paid attention to how often.

Now I over think so badly. He is very loyal and has never given me a reason to doubt him- always has his phone out always lets me know where he is when he’ll be home etc.

My best friend seemed to have a good marriage and she’s been married 2 years with a newborn and she recently found out her husband had been on dating apps while she was pregnant.
I seem to plan my whole days and weeks around not having anything in the evenings incase he does want to be intimate. It’s soooo ridiculous I know because he doesn’t and he randomly makes plans to play sports with his friends etc and I always end up thinking oh today we could have sex so keep the evenings free.

It’s been since the twins birth I’ve been over thinking our sex life sooo much and I really need to snap out of it and just live my life.
It’s dumb I know but has anyone else got any advice?

TL;DR: Married 7 years with twin toddlers. Our marriage is happy, we’re intimate around 1–2 times a week, and my husband has never given me a reason not to trust him. Since having children and hearing about a friend’s husband cheating, I’ve become anxious and overthink our sex life. Looking for advice on how to stop worrying and enjoy my relationship again.

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u/Crazy-Direction9937 — 11 days ago

My twin toddler boys are making me crazy

My twins are 2.5 years old and twin boys. Their speech is developing daily but not at sentences yet, and they are potty trained now thankfully.

They are chaos. They destroy everything and wreak havoc everywhere. They break everything and just are generally very naughty. They go nursery 2 full days a week so I work those days.
They have tantrums over every little thing and if any little thing isn’t how they’d like then it’s full blown screaming and crying even in public.
I always make plans to take them to parks/ the farm etc with my husband but generally it’s ruined as they tantrum and cry.

I’m just generally posting to rant lol it’s just so hard. Me and my husband have made the decision to not have any more kids. We’re 30 and want to get our life slowly back that’s why I’m working part time and earning well and trying to spend these moments with the kids as they grow (even though it’s SO hard!!)

We definitely don’t do gentle parenting and are south Asian (just for context as we’re known to be quite firm lol) it’s just they don’t listen at all

No one else seems to understand

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u/Crazy-Direction9937 — 11 days ago
▲ 8 r/UKPersonalFinance+1 crossposts

5 year plan for a young family- sensible or not?

Late 20s, married with two under 3’s.

Current household income is around £4,500/month. I work part-time and my husband works full-time. We live outside London, own our home with a relatively small mortgage remaining, contribute to pensions and our twins’ Junior ISAs, and save around £750/month on top.

We live comfortably, take an annual abroad holiday, and generally don’t have to worry too much about day-to-day spending.

Our rough 5-year plan is:

* Keep contributing to pensions and Junior ISAs.
* Continue building savings and investments.
* Increase my working days gradually from part-time to 3-4 days per week once the children start school.
* My husband is taking over an already successful business, and we’re hoping that within 5 years it generates six-figure annual profits.
* Potentially move to a larger home if our finances allow.
* No plans for any more children.

Does this seem like a sensible 5-year plan, or are there things you’d be prioritising differently?

If you were in our position, what would you focus on over the next 5 years that we may be overlooking?

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u/Crazy-Direction9937 — 17 days ago