1 mortgage, 2 babies, 3 years to be MF, 4 goodness sake!- weezl's diary

weezl74

Ah *remembers the days of whatnot*

I think I agree cazz, unless either of you are with an employer who would be making contributions to a scheme on your behalf, but only if you do it too. In that event, I think it might just swing it in the other direction for me, but I think I remember that yours and OH's work don't do that?

xxx

In_Search_Of_Me

weezl74 wrote: »

Ah *remembers the days of whatnot*

xxx

ISOM doesent

weezl74

In_Search_Of_Me wrote: »

ISOM doesent

awwwwwwwww! Poor ISOM

How can we cheer you up?

How's your nice new lodger?

You can have fergus cuddles if you like. Not the same but he's very affectionate!

Cazzdevil

weezl74 wrote: »

unless either of you are with an employer who would be making contributions to a scheme on your behalf, but I think I remember that yours and OH's work don't do that?

OH doesn't have any option for a pension scheme through work at all, he would have to organise his own, and my employer offers a pretty feeble pension in that whatever I decide to pay in, they'll top up by an extra 11% of that, so if I pay in say £2k a year, they'll put in an additional £220, it's something to do with the difference in National Insurance payments or something, the company pays out the same figure it's just split into different pots for me.
To be honest I don't think it's worth it for now and I'd rather concentrate on clearing the mortgage, THEN we can think about putting aside for pensions etc and will have a bit more financial freedom to do it.

I'm not used to having "spare" money, it's a flippin mine field trying to decide the best place for it!! Thanks for your help though folks, OH shouldn't take much convincing, he's so laid back he's practically horizontal so he'll just nod and agree with whatever I suggest is best. Love him to pieces xxx

mark55man

Cazz you have a choice really:
- pay into your pension, and get the employer contribution now, but get taxed on your pension 35 years later - if the contribution is large enough this is hard to resist
- pay tax on your earnings now, pop it into an ISA or whatever pension equivalent you use and then use it tax free later (assuming government still do tax free in 30 years) - but with the flexibility to get it when you want
- paying off your mortgage is comparable to an ISA in that you saving interest which you have to pay out of taxed income and loan rates are higher than savings rates typically - but some lack of flexibility in that your money is more locked away

(btw we found out what was causing the kids and we stopped that right away :rotfl:)

PurpleJay

Hi and good luck with the challenge. I have been reading through all the posts and have previously followed parts of the 50p a day challenge

I am trying to shop cheaper so have finally placed an order with approved foods. Seems like a total bargain, I just need to get planning so I know what to do with it all when it arrives.

I have ordered:-

CASE PRICE De Identifed Supermarket Chicken Style Meat Free Bake 8 x 95g £0.99 1 £0.99
CASE PRICE De Identified Nut Roast Mix 8 x 150g £0.99 1 £0.99
CASE PRICE De Identified Mediterranean Style Couscous 15 x 110g Sachets £0.99 1 £0.99
CASE PRICE De Identified Supermarket Light Choices Quick Couscous Moroccan Style 6 x 60g tub £0.99 1 £0.99
CASE PRICE Soup Shot Croutons Garlic and Herb 8 x 20g Packs £0.01 1 £0.01
CASE PRICE De Identified Roasted Vegetable Cous Cous Break 6 x 60g £0.49 1 £0.49
CASE PRICE De Identified Healthy Living Soup in a Mug Asparagus 9 x 76g £0.49 1 £0.49
Schwartz Paprika 34g £0.29 1 £0.29
NEW PRICE Phileas Fogg Mexican Sweet Chilli Flavour Crisps 140g £0.33 3 £0.99
Percy Daltons Dry Roasted Peanuts 50g £0.10 10 £1.00
Diet Coke With Citrus Zest 6 Pack £1.49 3 £4.47
CASE PRICE Zen Republic Naturally Stimulated Energy Drink 250ml £0.99 1 £0.99
Powerade Orange Isotonic Sports Drink 4 x 500ml £0.99 1 £0.99
Horlicks - Malt Chocolate - Extra Light - 220g £0.99 1 £0.99
Ovaltine Light Original 25g Sachet £0.17 6 £1.02
Tayloys of Harrogate Moroccan Mint Leaf Tea 125g £1.25 1 £1.25
Brooke Bond Bon Premium Granulated Coffee 100g £0.99 4 £3.96
Red Sky Sea Salt and Cracked Peppercorns Potato Crisps 150g £0.33 3 £0.99
De Identified Leading Brand Naturally Light Flakes with Fig and Graoes Cereal 415g £0.50 2 £1.00
Delouis Fils French Dressing with Wholegrain Mustard Vinaigrette 500ml £0.33 3 £0.99
Sub Total
£23.83
Shipping £5.25
TOTAL £29.08

And bonus - you can pay with Paypal so it isn't like spending 'real' money - just that made from my ebay sales

Those who have bought it, how are you getting on with the nut roast and chicken mix?

Cazzdevil

We've got a small stash of savings (the recommended 6 months worth) so we have a contingency fund should we need one so in June when our monthly saver account matures we're gonna start ploughing all we can into paying off the mortgage.

Weezl - so sorry to hijack your thread temporarily!! Wasn't meaning to be rude

boredofbeingathome

mark88man wrote: »

C

(btw we found out what was causing the kids and we stopped that right away :rotfl:)

:rotfl::rotfl::rotfl:

Obviously the whatnot :rotfl:

mark55man

or it might have been my manservant (sorry weezl - goes over to Bob's thread to carry on with banter)

In_Search_Of_Me

Would love cuddles weezl but alas still have nasty cold..ears popping, sore throat and general crappyness so another in day me thinks! Lodger is going well and made me lovely supper last night - not used to being looked after but could get used to it lol! Kiss for my best boy and huggles for you...!!