Gallygirl's "A journey of 121,226.67 pounds begins with a single penny" diary

gallygirl

Secret_Saving_Squirrel wrote: »

Yes I think you are right. I aim to get out as much as I can tax free as soon as I can and as quickly as I can without having to pay tax. There is a documentary tomorrow night at eight being heavily trailed. Looks interesting.

If it's anything like a BBC link I read earlier it might not be worth bothering about - someone with a £29,000 pot withdrawing10% a year would run out of cash. No sh*t Sherlock!

Missed anything on Jezzer Helen? Obviously HUTH is taped .

patanne

I'm hoping that lots of people watch it and that is scares them enough not to do anything stupid and to look for advise. I know far too many people who would go - oh look some money I can access - well I can spend this much this year, only they spend double - and so it goes on.

What were they (politicians that is) thinking - nothing much has actually changed, it is now more advertised, and is a future disaster that they will again blame babyboomers for.

elantan

gallygirl wrote: »

Well, that's 2 hours and a good few million brain cells I'll never get back :rotfl:.

Just been doing financial modelling on retirement income using worst case scenarios and various inflation/growth/interest rates, plus liquidising btl's at various points. To cut a very long story short, as long as I peg it by 100 I'll be ok. After that is anyone's guess . This is based on taking 25% from pension pots at 62, then a 5% annual drawdown (which is higher than the normal 4% used). In reality, I'm likely to withdraw up to the tax free amount asap if I can find somewhere to put it that I'm happy with as I don't trust Osborne et al not to change the rules again . But didn't know how to factor that in .

Now to declutter excess hair etc.

Yep thats my plan too

gallygirl

So, the great decluttering/prepare to move continues.

Things I Didn't Know I Probably Have Too Many Of #1
1. 3 unused hair mousses. I get through a can about every 2 years.
2. 6 (:o) After Bite pens.
3. 3 whole packs of lasagne & canneloni.

Not counting shower gel, shampoo and conditioner as I know I have loads of those :rotfl:.

Alchemilla

Wth is an after bite pen?

Radish72

Alchemilla wrote: »

Wth is an after bite pen?

I think its a pen that contains stuff, that takes the itch out of an insect bite

I always find that they sting like mad when you dab it on, but never take the itch out

Best cure I have found is a large G&T

patanne

The universal cure all - prefer whiskey (americans prefer it with the e seemingly - american spellchecker obviously) personally. Brandy is good for bites too, both internally and externally!

gallygirl

Thanks for the hints ladies - I will endeavor to always carry some gin or whisky with me :j. Not in the ME though And not in Dry January either (though I did have some red wine last night ).

3 items sold to 2 people on ebay so that will be 21 & 22/365. Will also aim to take 12 & 13 out of the car [STRIKE]tomorrow[/STRIKE] this week .

6 items listed on ebay so that's 25 in total on there at present. Another 8 or so to get written up and listed but ran out of steam . 1 watcher on 1 of the new items.

Big day at work tomorrow - my leaving becomes public knowledge :eek:. Will seem more real somehow :T.

maggiem

Good luck for today Gallygirl. I left a job I had been in about a year ago - very odd when people knew especially as I had to give 3 months notice. However it was lovely hearing people say kind things, if a bit embarrassing! It did make the move on more 'real' though.

Tilly_MFW_in_6_YRS

Hope all goes OK.

Enjoy the moment, loads of people will be telling you how amazing you are . Don't let it go to your head :):)

Tilly x x x