Woman Fears ‘Everyone' Will Hate Her as She Plans to Ask for More Money for Her Sister's Bachelorette
A woman is anxious about asking the bride's friends for more money to attend the bachelorette party that she's planned
Explaining the situation on Mumsnet, she revealed it will be the second time that she's increased the price of attending the event
"I'm really stressing about asking for the money now as I know everyone is going to be really annoyed," the woman saidA woman is panicking about covering the cost of her sister's bachelorette after telling attendees to contribute the wrong amount of money.
The woman explained in a post on Mumsnet that she didn't include the cost of the bride's travel to the bachelorette party when initially working out how much attendees would need to pay.
Having previously forgotten to include the cost of taxis and food in the initial price, she said, asking for the bride's travel expenses will now be the second time she's changed the price of attending the event.
'They're all going to hate me, aren't they?!' she wrote, before adding, 'I've never been to a weekend hen do and had no idea that it was my job to organize and cost up literally every aspect of the weekend, but apparently in her circle that's what the organizer does."
'Everyone is also expected to cover every expense for the bride, which I'm flabbergasted by!!!' she continued.
The anxious woman revealed that she's unable to cover the remaining expenses for the bachelorette party on her own.
'I'm a SAHM [stay-at-home mom], so I only have a limited budget, so I can't afford to pay for her travel myself, but I'm really stressing about asking for the money now as I know everyone is going to be really annoyed,' she wrote.
While responses to the post were divided on whether the attendees should have to cover the cost of the bride's travel, many agreed that the best solution was for the woman to be upfront about her concerns.
'Sounds stressful, but just send the message, you'll probably feel better once it's done and if you can't afford it yourself, it needs to be sent,' one person commented.
'I don't think the bride should be paid for, however…if, as the OP says, this is how it's done in the bride's circle of friends, then the bride may already have contributed to the costs of 8 previous brides in her group going on their hen dos,' another said. 'It would be a bit unfair on her if she were the only one who had to pay for her own.'
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Among the stream of comments were also people arguing that the woman should find a way to cover the cost without asking the attendees.
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'You might have to just take the hit for this one OP [original poster], depending on the people invited & their finances,' one person wrote.
'I have also got a friend's hen do next weekend and of the 12 people going, I know that at least 4 of them would say no or would say yes but then be unable to attend the weekend as a result of having to pay more money at this late stage," the same person continued.
'Lots of people budget quite tightly now, there's no space for unexpected expenses,' they added.
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If you wish to follow the presentation using the webcast, please access the following link: A replay will be available as soon as possible. You may also follow the presentation via conference call: France +33 1 70 91 87 06 United Kingdom +44 (0) 207 107 06 13 United States 1 (1) 631 570 56 13 PRESS ANALYSTS/INVESTORS Christophe MALBRANQUEGroup Media Relations Director+33 (0) 6 21 96 23 Adeline MICKELERGroup Head of Investor Relations+33 (0) 6 61 30 90 Sébastien LEROYDeputy Head of Investor Relations +33 (0) 6 26 89 33 About FORVIA, whose mission is: 'We pioneer technology for mobility experiences that matter to people'. FORVIA, a global automotive technology supplier, comprises the complementary technology and industrial strengths of Faurecia and HELLA. With around 250 industrial sites and 78 R&D centers, over 150,000 people, including more than 15,000 R&D engineers across 40+ countries, FORVIA provides a unique and comprehensive approach to the automotive challenges of today and tomorrow. Composed of 6 business groups and a strong IP portfolio of over 13,000 patents, FORVIA is focused on becoming the preferred innovation and integration partner for OEMs worldwide. In 2024, the Group achieved a consolidated revenue of 27 billion euros. FORVIA SE is listed on the Euronext Paris market under the FRVIA mnemonic code and is a component of the CAC SBT 1.5° index. FORVIA aims to be a change maker committed to foreseeing and making the mobility transformation happen. 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Sales in China rose at double-digit, supported by ramp up of programs with BYD, Lighting business was penalized by discontinuation of programs, Clean Mobility were down mid-single digit, notably penalized by the disposal of Hug Engineering. Sales were almost flat in Q2, supported by solid performance in North America (high single digit growth) where activity was lifted by Ford, Lifecycle Solutions activity was penalized by overall low level of its customer investments. Operating income In €m H1 2025 H1 2024 Change SEATING 239 194 +23.0% % of sales 5.5% 4.6% +0.9 pt ELECTRONICS 142 122 +17.0% % of sales 6.2% 5.8% +0.4 pt INTERIORS 48 37 +29.5% % of sales 1.9% 1.4% +0.5 pt LIGHTING 81 99 -17.8% % of sales 4.4% 5.0% -0.6 pt CLEAN MOBILITY 167 187 -10.5% % of sales 8.2% 8.5% -0.3 pts LIFECYCLE SOLUTIONS 45 62 -27.6% % of sales 9.1% 11.7% -2.6 pts GROUP 722 700 +3.1% % of sales 5.4% 5.2% +0.2 pt Group operating margin expansion in H1 2025 was supported by noticeable margin improvement at Seating, Interiors and Electronics: Operating margin expanded by 90 bps at Seating, benefiting from operating leverage in Europe and China, Operating margin improved by 40 bps in Electronics, driven by further catch-up of Clarion activities and on-going improvement of HELLA's activities, Profitability was up 50 bps at Interiors, with more than 100 bps expansion in Europe but with some underperforming plants in North America, Lighting profitability was penalized by missing volumes and operational difficulties in North America but improved in Europe, Clean Mobility maintained a high-quality margin of 8.2% despite sales decline. Operating margin was around 10% excluding hydrogen activities. Lifecycle Solutions profitability suffered from an unfavorable product mix H1 SALES AND OPERATING MARGIN BY REGIONS Sales In €m H1 2025 H1 2024 Change Organic Change Currency change Perf vs. auto prod EMEA 6,570 6,518 +0.8% +1.6% -0.8% +5 pts o/w Europe 6,421 6,353 +1.1% +1.9% -0.8% +6 pts AMERICAS 3,499 3,686 -5.1% -2.4% -2.7% - o/w North America 3,116 3,283 -5.1% -4.0% -1.1% - ASIA 3,408 3,331 +2.3% +4.0% -1.7% -4 pts o/w China 2,563 2,566 -0.1% +1.5% -1.6% -10 pts o/w Rest of Asia 845 764 +10.6% +12.5% -2.0% +10 pts GROUP 13,477 13,534 -0.4% +1.1% -1.5% -2 pts FORVIA recorded outperformance in all regions but China in H1: EMEA: In a market declining by 4% (S&P Mobility July estimate), sales in Europe ex. Russia recorded positive organic growth of 1.9%, showing 6 points of outperformance, driven by Seating, Electronics and Lighting, Americas: in North America, in a market down by 4.1%, product sales (excluding tooling sales that stood at a high level in H1 2024) dropped by only 2%, slightly outperforming the market, notably supported by Electronics and Clean Mobility, Asia: China recorded organic growth of 1.5%, supported by double-digit growth with Chinese OEMs, but underperformed the market. In the Rest of Asia, growth of 12.5% represented an outperformance of 10 points. Operating income In €m H1 2025 H1 2024 Change EMEA 268 202 +32.9% % of sales 4.1% 3.1% +1 pt AMERICAS 122 166 -26.4% % of sales 3.5% 4.5% -1 pt ASIA 331 332 -0.3% of sales 9.7% 10.0% -0.3 pt GROUP 722 700 +3.1% % of sales 5.4% 5.2% +0.2 pt Operating margin evolution were contrasted by region: EMEA: Operating margin was up 100 bps where the execution of EU-FORWARD yielded first significant results, Americas: profitability was penalized by underperformance in North America on missing volumes and operational challenges at Interiors and Lighting, Asia maintained an operating margin close to double digit reflecting strong progress in Rest of Asia and light decline in China. Q2 SALES BY BUSINESS GROUPS AND REGIONS By Business Groups In €m Q2 2025 Q2 2024 Change Organic Change SEATING 2,152 2,221 -3.1% -0.3% ELECTRONICS 1,142 1,081 +5.6% +7.9% INTERIORS 1,280 1,361 -5.9% -1.4% LIGHTING 914 975 -6.2% -4.1% CLEAN MOBILITY 1,041 1,109 -6.1% -1.0% LIFECYCLE SOLUTIONS 246 256 -4.0% +0.6% GROUP 6,775 7,003 -3.3% +0.1% By RegionsQ2 2025 Q2 2024 Change Organic Change Currency change Perf vs. auto prod (bps) EMEA 3,330 3,383 -1.6% -0.3% -1.3% +2 pts o/w Europe 3,252 3,294 -1.3% -0.1% -1.2% +2 pts AMERICAS 1,766 1,904 -7.2% -1.1% -6.2% +1 pt o/w North America 1,561 1,692 -7.8% -2.9% -4.9% - ASIA 1,679 1,716 -2.1% +2.4% -4.5% -4 pts o/w China 1,259 1,320 -4.6% +0.4% -5.0% -9 pts o/w Rest of Asia 420 396 +5.9% +8.9% -3.0% +7 pts GROUP 6,775 7,003 -3.3% +0.1% -3.4% -2 pts DISCLAIMER This presentation contains certain forward-looking statements concerning FORVIA. Such forward-looking statements represent trends or objectives and cannot be construed as constituting forecasts regarding the future FORVIA's results or any other performance indicator. In some cases, you can identify these forward-looking statements by forward-looking words, such as "estimate," "expect," "anticipate," "project," "plan," "intend," "objective", "believe," "forecast," "foresee," "likely," "may," "should," "goal," "target," "might," "would,", 'will', "could,", "predict," "continue," "convinced," and "confident," the negative or plural of these words and other comparable terminology. Forward looking statements in this document include, but are not limited to, financial projections and estimates and their underlying assumptions including, without limitation, assumptions regarding present and future business strategies (including the successful integration of HELLA within the FORVIA Group), expectations and statements regarding FORVIA's operation of its business, and the future operation, direction and success of FORVIA's business. Although FORVIA believes its expectations are based on reasonable assumptions, investors are cautioned that these forward-looking statements are subject to numerous various risks, whether known or unknown, and uncertainties and other factors, all of which may be beyond the control of FORVIA and could cause actual results to differ materially from those anticipated in these forward-looking statements. For a detailed description of these risks and uncertainties and other factors, please refer to public filings made with the Autorité des Marchés Financiers ('AMF'), press releases, presentations and, in particular, to those described in the chapter 2."Risk factors & Risk management' of FORVIA's 2024 Universal Registration Document filed by FORVIA with the AMF on March 7, 2025 under number D. 24-0080 (a version of which is available on Subject to regulatory requirements, FORVIA does not undertake to publicly update or revise any of these forward-looking statements whether as a result of new information, future events, or otherwise. Any information relating to past performance contained herein is not a guarantee of future performance. Nothing herein should be construed as an investment recommendation or as legal, tax, investment or accounting advice. The historical figures related to HELLA included in this presentation have been provided to FORVIA by HELLA within the context of the acquisition process. These historical figures have not been audited or subject to a limited review by the auditors of FORVIA. FORVIA HELLA remains a listed company. For more information on FORVIA HELLA, more information is available on This presentation does not constitute and should not be construed as an offer to sell or a solicitation of an offer to buy FORVIA securities. DEFINITIONS OF TERMS USED IN THIS DOCUMENT Sales growth FORVIA's year-on-year sales evolution is made of three components: A 'Currency effect', calculated by applying average currency rates for the period to the sales of the prior year, A 'Scope effect' (acquisition/divestment), And 'Growth at constant currencies'. As 'Scope effect', FORVIA presents all acquisitions/divestments, whose sales on an annual basis amount to more than €250 million. Other acquisitions below this threshold are considered as 'bolt-on acquisitions' and are included in 'Growth at constant currencies'. In 2021, there was no effect from 'bolt-on acquisitions'; as a result, 'Growth at constant currencies' is equivalent to sales growth at constant scope and currencies also presented as organic growth. Operating income Operating income is the FORVIA group's principal performance indicator. It corresponds to net income of fully consolidated companies before: Amortization of intangible assets acquired in business combinations. Other non-recurring operating income and expense, corresponding to material, unusual and non-recurring items including reorganization expenses and early retirement costs, the impact of exceptional events such as the discontinuation of a business, the closure or sale of an industrial site, disposals of non-operating buildings, impairment losses recorded for property, plant and equipment or intangible assets, as well as other material and unusual losses. Income on loans, cash investments and marketable securities; Finance costs. Other financial income and expense, which include the impact of discounting the pension benefit obligation and the return on related plan assets, the ineffective portion of interest rate and currency hedges, changes in value of interest rate and currency instruments for which the hedging relationship does not satisfy the criteria set forth in relationship cannot be demonstrated under IFRS 9, and gains and losses on sales of shares in subsidiaries. Taxes. Adjusted EBITDA In compliance with the ESMA (European Securities and Markets Authority) regulation, the term 'Adjusted EBITDA' has been used since January 1, 2022. Net cash flow Net cash flow is defined as follow: Net cash from (used in) operating and investing activities less (acquisitions)/disposal of equity interests and businesses (net of cash and cash equivalents), other changes and proceeds from disposal of financial assets, and new or extended leases. Repayment of IFRS 16 debt is not included. Net financial debt Net financial debt is defined as follow: Gross financial debt less cash and cash equivalents and derivatives classified under non-current and current assets. It includes the lease liabilities (IFRS 16 debt). 1 Excluding commercial paper, leases and overdraft Attachment 2025 07 28 FORVIA H1 2025 RESULTS PR_ENError in retrieving data Sign in to access your portfolio Error in retrieving data Error in retrieving data Error in retrieving data Error in retrieving data
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Plans to force taxpayers to submit digital information about their earnings to the government every 12 weeks will hit lower earners the hardest, even pushing the poorest people out of work and onto benefits, experts have warned. From April next year, almost 1 million people who are sole traders or landlords earning over £50,000 will have to make five tax returns to HMRC each year, including tracking their income every quarter. By April 2028, that rule will apply to anyone with a turnover exceeding £20,000 — meaning workers who don't pay any income tax at all could still be forced to keep detailed digital documents and submit them every three months. Accountants preparing for the change say the shift will have a damaging impact on the working lives and finances of freelancers and sole traders. They warn the move to quarterly updates will be hardest for people who are already vulnerable in the British economy including single parents, people working informal hours, those claiming benefits and those with English as a second language. According to experts, many low earners are now planning to retire early or give up work to avoid the extra hassle and cost of completing a quarterly tax return. Those who can afford to pay an accountant will face higher costs for the extra hours of support, while those who cannot stretch to hiring help will face many more hours of their working lives being lost to administration. Those juggling low paid self-employment with caring for children or elderly relatives could be hit hardest by the extra burden. Read more: Do you trust your partner enough to give them money for tax purposes? Robyn Milstead, director of tax at LKA Chartered Accountants, told Yahoo News UK: 'These things are not just a source of anxiety, they are impossible for some. I really worry about tradespeople where English isn't their first language. For single parents who are self-employed, the first deadline for the quarterly submission is 7 August — straight in the school holidays.' There will be some exemptions from the scheme, including for those who are highly digitally excluded or cannot keep electronic records for religious reasons, but Milstead is sceptical that these will be sufficient to protect vulnerable workers. 'We're not expecting these exemptions to extend to someone who isn't good with computers, or to clients who can't read,' she says. Free software will be made available to help people keep careful records that can be uploaded to HMRC, but Milstead says this alone will not overcome the barriers that are likely to push many towards quitting work altogether. 'Giving people software doesn't make them into book keepers, and I think a lot of people will feel that it's very intrusive,' she says. The Making Tax Digital programme (MTD) is designed to help small businesses and sole traders understand their turnover and reveal forgotten income earned during the earlier parts of the financial year, bringing in a more consistent tax take to the Exchequer. But accounting this way makes little sense for those whose income fluctuates dramatically over the year, such as working parents who may not earn anything during the 13 weeks of school holidays yet have larger incomes during term time. Confusingly, though digital turnover reports will have to be submitted every three months, the payment dates for income tax and national insurance — at the end of the months of January and July each year — are not changing. There is also little information available about how these submissions will work alongside universal credit and other benefit payments. 'As someone raised by a single parent, I saw firsthand how hard it is just to make ends meet. It's hard to imagine how so many single parents are going to find the time to continue running a business, juggling childcare but then also learn how to bookkeep and file quarterly updates without it putting a huge amount of pressure on top,' says Tom Bickle, director and principal accountant at JP Blackmoor Limited. 'Saying everyone can use accounting software is like giving an accountant a pair of scissors and expecting them to be a hairdresser overnight. As a country we are seeing more increases in food bills, light and heat, taxes and general costs of living, with household incomes struggling to keep pace. The introduction of MTD is likely going to force many lower earning, self-employed individuals and families into seeking more stability, less hassle and much less financial risk by ceasing their business.' Read more: How to build passive income Despite the money it could make them, accountants are not happy. Concern over implementation of the policy is now so widespread that more than 400 professionals have joined a WhatsApp group to discuss how to support their clients and even push back against the change. Just months before the switchover, HMRC has still not provided guidelines on the crossover between monthly universal credit claims and quarterly digital tax returns. 'There's a huge amount of us that don't want this at all,' says Milstead. 'They're bringing this in without any guidance on it. The amount of stress in the industry just takes away from useful work we could be doing elsewhere.' Confusion and anxiety over the switchover has led older members of the group to consider early retirement to avoid having to work through it. Others are encouraging their clients to repress their income this year rather than pass over the threshold which would require a switch to quarterly reports. Milstead believes that the disruptive programme is highly unlikely to improve the UK's tax take. 'The Revenue have this thought that people forget their income. Actually people are really diligent about reporting their income, but really bad at their expenses,' she says. A spokesperson for HMRC says: 'Making Tax Digital will modernise tax processes to make it easier for customers to stay on top of their affairs, reducing errors and further closing the tax gap. We've worked extensively with customers, representative bodies and software developers to ensure MTD works well for small businesses and landlords and that they are prepared for the change — with free and low-cost software available.' Read more: UK set to lose 16,500 millionaires this year as non-dom status ends UK's rising debt cost puts Reeves and tax rises in spotlight Buy-to-let rents bringing in 7% returns to landlordsError in retrieving data Sign in to access your portfolio Error in retrieving data Error in retrieving data Error in retrieving data Error in retrieving data
