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New to the Over 50s MoneySaving board? Start here
🌳 Useful links to forum threads and boards * Pensions, Annuities & Retirement Planning * Deaths, Funerals & Probate 🌳 Useful links to MoneySavingExpert.com guides * Over-50s' MoneySaving * State Pension * Cheap and Free Wills 💡 If there's a link you think we should include here, please send me a message!
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How much to live on
How much do you expect you will require to live on each month when you are retired? ie no mortgage, no commute to work BUT maybe higher heating, hobby costs. I'm getting to the stage where I'm realising that I don't need to be super rich to retire and will only really require living costs but I don't know how much I should…
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Motivation and Inspiration pre-retirement
Well, I'll be 60 in a couple of months, and my spreadsheets and projections say I should be able to retire at 62. Since I mentally set my self up to do this, I find I'm totally not motivated at work - I get my "hard" deadline projects done on time, but I just dawdle on others. I dread going to work, and the days drag - I…
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UK driving licence at 70: will I need a health check? Renewal frequency every three years
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Travelling abroad without a smartphone
I know there’s a separate travel sub-forum but have decided to post on here. Just wondered how relatively easy it is to travel to the EU/Schengen area without a smartphone given that printed tickets/boarding passes are no longer the default. I can check in online at home in advance and print them before I leave including…
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Away From The Madding Crowd
Hello and welcome to my little part of this wonderful MSE
community. For almost 10 years I have read
the contents of various forums seeking advice and inspiration regarding a
multitude of subjects. The help and
knowledge that I have gained cannot be underestimated and there are literally
too many people to thank…
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More WIRE than FIRE, simplifying, saving and savvy spending
HI :) I've been around the boards for years - I learn so much from other MSE-ers and find having a diary truly helps me keep track of what I'm doing £££-wise! However, I neglected my last diary and life has moved on since then, so it seems sensible to start over. My overall goal has been to retire early (FIRE - Financial…
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Property abroad
Wanted to ask anyone who has a property abroad a few questions. As much as I welcome all comments, please do not use this to bang on about Brexit! The limits on time being at the property is not an issue for me. Due to health reasons which are not going to change I'm considering buying a place mainly for winter sun, just…
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Winter Fuel Scam
Watch out for this one: [DWP and Department of Pensions joint notice] In line with the Welfare Policy for the 2024-2025 financial year, the DWP is awarding a one-off Winter Energy Payment (£200-£300) to help eligible residents with their heating and electricity bills. The system has identified you as an initial qualifier,…
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How do you track your finances?
Recently, I've been playing around with various different means of tracking my expenditure, my pension planning etc. I tend to use three main methods. My go to, is my own spreadsheet, with all planned expenditure, every investment etc. The downside is it's quite a manual procedure and it's easy to make a mistake. It also…
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Over 50? how do you keep fit?
I've been a bit poorly of late. Usual school bugs. It got me thinking how do others keep fit? Me? Usually cycling all year round. Done well over 20,000 miles since lockdown. I'm not as supple as I was though so probably need to do some work on flexibility. What about you?
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Travel plans and holidays for the over 50s
Just generally curious about where people have been or would like to go as I'd like somewhere new next year. I've posted this here as I'd like the views of my age group! My country list so far is. Andorra Belgium Bulgaria Czech Republic Cyprus Egypt Estonia Finland France Greece Germany Italy Ireland Malaysia Morocco…
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Care home top up fees
Please note this is a Northern Ireland case. There is no continuing healthcare policy. My friends mum has gone into a home she is 91. Currently an assessment of financial situation being carried out. She has some savings (under the amount she is allowed to hold) and a small works pension and state pension. Friend is aware…
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Cutting back on Admin
I've always been quite meticulous about keeping financial records. Probably partly because of the job I've always done (Accounts work) but also because of my nature. I keep a book listing all the incomings and outgoings each month and another listing all the credit card transactions, These are then summarized and figures…
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Kleenex Mansized
I know that Kleenex dropped the branding "Mansized" because it was considered to be sexist. I am more concerned about the quality of the product: did it used to be far stronger in years gone by? I now prefer the thinner kitchen roll over Kleenex. I also avoid the various impregnated tissues. Does anyone else feel that…
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Over 50? What’s one small money saving habit that’s made a real difference?
De lurk. First time post :) I’m turning 50 this year and focused on making my money go further. I’d love to hear from others in the same boat. What’s one money saving habit you’ve picked up after 50 that’s made a difference?
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Living it up by the sea
Thought I would start my own thread as I regularly read others on this site. Myself and my husband moved to Lincolnshire after he was forced to take retirement due to ill health 13 years ago. Started looking for a property with more land in a nice area and ended up here! Since moving to Lincolnshire, we have moved another…
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Reducing savings to avoid paying for care.
My Mother is currently housebound and has 2 carers 4 times a day. This is rapidly reducing her savings. I understand that she can’t give her savings away or suddenly by cars or jewellery etc, and the council will see this as fraud. However her kitchen and bathroom have not been updated in many years and now need…
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Make do and mend
A few events this week have made me think about my approach and indeed society's approach to repairing or replacing things. Firstly, a student at my school broke their phone screen and was going to bin their phone until I suggested a screen replacement. Secondly, the storm saw a patio heater break, but the spare part is…
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Eye test due - new glasses recommendations.
I have an eye test due soon. My prescription is pretty high (over -6 in both eyes) plus I need varifocals. So I really need high index lenses. Is anyone aware of any opticians other than Asda who offer these at no extra cost? Last time I got two pairs for £120, cheaper than a single pair of lenses in some places. I've just…
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60+ oystercard application problems
I am less than 2 weeks from my 60th birthday and have set up a photocard account. However, it does not give me an option of applying for a 60+ card, only for a student or apprentice card. I called TFL but they didn't answer and I wasn't even allowed to join a queue to talk to someone. Has anyone else had this problem?
