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LBM in 2003.. What have I been doing since??!
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brizzledfw wrote: »Have a good day everyone. Didn't know whether you come into town via Victoria SSG but thought of you when I braved the Southern line super early on Friday!!
That’s very intrepid of you brizzle!:D I’m lucky that I don’t use the Southern line - I commute in from a totally different direction. I have colleagues though who have been nearly driven mad by it over the last year what with all the staff disruption.
Your OH’s pension transfer has given me a bit of a wake up call though - I have some small DCS schemes from previous employers and should really start to think whether to transfer them into my current staff pension scheme.......Finally Debt Free! - July 2016 🌟
Finished Emergency Fund- £10,000 April 2017
🌟
RETIRED: MAY 2021!!!!😀🎆
My diary: “Seasidegal's Scrimpy Retirement Diary!”0 -
Hi
Think it's worth looking at. If it's on one platform we tend to contribute more - and that's always what will make the difference at our time of life . Otherwise they just sit there with no 'active' management from us as it were. His main work pension will stay with his employer - this is just the odds and sods. Also assuming the tax situation stays good for pension contributions we should be putting more in. Daft not to.
Fingers crossed for my accounts this week. Has been driving me bezerk. Feel myself quite stressed by the not knowing. Will ask about but may think of swopping accountants. Any ideas who I could use? PM me? happy for it to be a professional relationship conducted largely online!!!MFiT-T4 Member No. 96 - 2022 is my MF goal
Winter 17/18 Savings Rate Goal: 25% [October 30%] :T
Declutter 60 items before 31.03.18 9/60 ** LSDs Target 10 for March 03/10 **AFDs 10/15 ** Sales/TCB Target 2018 £25/£500 NSDs Target 10 for March 02/10 Trying to be a Frugalista:rotfl::T0 -
Morning Brizzle
Glad you had a super break - well deserved and sounds like you packed a lot in. Haven't been to Amsterdam in many years but still remember feeling numb coming out of Ann Franks House. Kids have never been - is in the list to do at some point.
Sounds like you have been busy on all fronts as usual - I need to do a major recap on finances - pensions have all but been abandoned in recent years - have a lot of catching up to do once DS leaves school :eek:
Have a great day
NOA
xFeb2014 Total unsecured debt £72,520>>01/06/16 £68166>01/02/17 £66,600=8.18%PAID
Mortgage Jan14=209,800 Jan15=£200,300 Jan17£180,700>OCT17 £170,200
Health/Fitness Challenges Priority#1 Stay Fit and healthy - whatever it takes:)
Wombling Free Cash May2016 £510 -
Thanks NOA. Thanks for dropping by, hope alls well. Will pop by your diary today and see how you are..
In fantastic news - tax is all sorted. I now know what I have to pay. Corporation tax is similar to last year but personal tax was overpaid last, so that’s fab and means this year there is less to initially pay. Really pleased. Means we can plan for some nice things without worry and the national debt (as the gorgeous PG calls it) will continue to decline - whoop :T :j
Such a relief. Feel quite giddy!!!!MFiT-T4 Member No. 96 - 2022 is my MF goal
Winter 17/18 Savings Rate Goal: 25% [October 30%] :T
Declutter 60 items before 31.03.18 9/60 ** LSDs Target 10 for March 03/10 **AFDs 10/15 ** Sales/TCB Target 2018 £25/£500 NSDs Target 10 for March 02/10 Trying to be a Frugalista:rotfl::T0 -
Fantastic news on the tax :TI am a Forum Ambassador and I support the Forum Team on Mortgage Free Wannabe & Local Money Saving Scotland & Disability Money Matters. If you need any help on those boards, do let me know.Please note that Ambassadors are not moderators. Any post you spot in breach of the Forum Rules should be reported via the report button , or by emailing forumteam@moneysavingexpert.com. All views are my own & not the official line of Money Saving Expert.
Lou~ Debt free Wanabe No 55 DF 03/14.**Credit card debt free 30/06/10~** MFW. Finally mortgage free O2/ 2021****
"A large income is the best recipe for happiness I ever heard of" Jane Austen in Mansfield Park.
***Fall down seven times,stand up eight*** ~~Japanese proverb. ***Keep plodding*** Out of debt, out of danger. ***Be the difference.***
One debt remaining. Home improvement loan.0 -
Thanks Lou
MFiT-T4 Member No. 96 - 2022 is my MF goal
Winter 17/18 Savings Rate Goal: 25% [October 30%] :T
Declutter 60 items before 31.03.18 9/60 ** LSDs Target 10 for March 03/10 **AFDs 10/15 ** Sales/TCB Target 2018 £25/£500 NSDs Target 10 for March 02/10 Trying to be a Frugalista:rotfl::T0 -
Feb2014 Total unsecured debt £72,520>>01/06/16 £68166>01/02/17 £66,600=8.18%PAID
Mortgage Jan14=209,800 Jan15=£200,300 Jan17£180,700>OCT17 £170,200
Health/Fitness Challenges Priority#1 Stay Fit and healthy - whatever it takes:)
Wombling Free Cash May2016 £510 -
Thanks lovely. I popped over and you’re doing great!!! Well done :jMFiT-T4 Member No. 96 - 2022 is my MF goal
Winter 17/18 Savings Rate Goal: 25% [October 30%] :T
Declutter 60 items before 31.03.18 9/60 ** LSDs Target 10 for March 03/10 **AFDs 10/15 ** Sales/TCB Target 2018 £25/£500 NSDs Target 10 for March 02/10 Trying to be a Frugalista:rotfl::T0 -
brizzledfw wrote: »Thanks lovely. I popped over and you’re doing great!!! Well done :j
Thanks Brizzle
Might need one or two ideas for entertaining meals when you have a mo - always good to try something different. On a mission to make me a more sociable life:)
NOA
xFeb2014 Total unsecured debt £72,520>>01/06/16 £68166>01/02/17 £66,600=8.18%PAID
Mortgage Jan14=209,800 Jan15=£200,300 Jan17£180,700>OCT17 £170,200
Health/Fitness Challenges Priority#1 Stay Fit and healthy - whatever it takes:)
Wombling Free Cash May2016 £510 -
Great news on the tax front!
How's the accountant hunt going?
xI am the master of my fate; I am the captain of my soulRepaid mtge early (orig 11/25) 01/09 £124616 01/11 £89873 01/13 £52546 01/15 £12133 07/15 £NILNet sales 2024: £200
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