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Best Of
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Re: From accumulation to de-accumulation?
not retired yet but we have a solid envelope based budget. All the bills are separately accoutned for and we have specific ‘envelopes’ for guilt free spending. I split mine across the month - half si…2 -
Re: From accumulation to de-accumulation?
Do you have a budget or have you just generally been trying to spend as little as possible over the last few years? You might to well with a detailed budget, where you specifically allocate money tow…5 -
Re: From accumulation to de-accumulation?
Anguish in retirement from continually cashing-in one’s hard-earned investments is real but can be avoided by appropriate pre-retirement planning… In the decades leading up to retirement one gets use…3 -
Re: Hedging UK Government Risk
Doubtful anyone has ever seriously contemplated a Greece type economic meltdown happening here, that resulted in that country severely cutting state pensions in course of payment to its pensioners. F…1 -
Re: Tragic... Sounds real bad. Endowment mortgages :(
From his update video, it seems this is nothing to with any potential shortfall in his endowment as his mortgage still has another year to run, but from £27K or so arrears that have built up ( no exp…3 -
Re: Best stain blocker paint
Another Zinsser fan, worked brilliantly on long standing ceiling stains caused by dodgy chimney stack flashing. What I would recommend is use the cheapest / old brushes and chuck when finished as it …1 -
Re: Housing Association trying to exclude my garden
I agree with this, we bought under RTB, as I did not want to be paying rent in retirement. Our mortgage is far cheaper than the rent would be, and we would have been stupid not to have taken advantag…2 -
Re: Octopus saving sessions
kept a close eye on our live usage - at one point jumped to switch off the heater as we were topping out at 18.9kwh. We used just under 16kWh Lounge is a balmy 18.9 degrees (was 17.5 before the sessi…3 -
Re: Issues with family trust - investment
This is why the professional trustee was changed but it hasn’t helped very much!1
