Edinburgher gets cracking!

nattypants

edinburgher wrote: »

Thanks for that my definiton - always good to hear a bit of positive feedback seeing as I just took out a 2 year contract!

I must say Ed, your extensive research is second to none:D

BookWorm

Festive greetings Ed. You seem to have had an up and down sort of
holiday so far. Well done on the new phone contract - sounds like a bargain

Enjoy the rest of your break

BW

edinburgher

Festive greetings Ed. You seem to have had an up and down sort of holiday so far.

You're not wrong! But still, the holiday cheer is winning out over the gloom. Thanks for popping by, hope you're having a well earned break as well?

We had wraps with hoisin sauce, spring onions, cucumber, sour cream and crispy duck for tea. By now the duck has been cooked three times, so it was riduckulously tasty :rotfl: Mrs E has already started talking about 'next time we get a duck'.

Now to watch cack TV and remove duck from my teeth...

BookWorm

edinburgher wrote: »

Thanks for popping by, hope you're having a well earned break as well?

Yes very much so - thanks. First time in a number of years that I've had the whole week off for Xmas. Making the most of it!

my_definition

edinburgher wrote: »

Thanks for that my definiton - always good to hear a bit of positive feedback seeing as I just took out a 2 year contract!

no bother im of researching slow cookers now

ultrarunner

Useful to know as I think my contract is up in June and I have been tempted by the offers in Tesco...

edinburgher

Such a hectic day - after I slept until 10:40 this morning :rotfl:

This holiday has been really good fun as I have been relaxing, enjoying time with Mrs E and have rediscovered my love of cooking. Slightly embarassed to admit that I bought another duck this afternoon

I popped out for some last minute shopping for tomorrow (champagne, veggies etc.) and had a good chat about Mrs E about our plans for the new year.

*Lady advice appreciated here*

Mrs E had £1k in Zopa, in lieu of pension (her work pension was cack until recently when her firm merged and a better scheme was introduced). She is now taking the money out of Zopa and the options are: invest in an ISA/save the money in our emergency fund.

Am I being unreasonable to ask her to strongly consider option B? We would both love a baby E and are ahem... not attempting to avoid his/her arrival

With this in mind, I think wrapping up our emergency fund (we're looking at £4k to begin with) would seem to be our highest priority?

My thinking (and Mrs E seemed to broadly agree) was that £1k wasn't really going to do much to keep her in the lifestyle to which she has become accustomed for the 20+ years of retirement, but that it would make the world of difference to the stability of our family if we had a baby.

Treading softly (because I don't want to be the overbearing husband), but am I being a git by favouring option B?

*Lady advice not needed past this point*

Currently re-jigging our spreadsheets and cooking spare ribs for tea :j

Lois_E

Lady advice as requested:

Any woman who is about to become a mother wants to feel financially secure and stable while the baby is little. There's nothing overbearing-husband-ly about you wanting that too.

OTOH, it was her "pension" this money came from, so any discussion of what to do with it should include discussion of how her retirement, and yours, are to be provided for, so that she doesn't feel taken for granted.

HTH

edinburgher

OTOH, it was her "pension" this money came from, so any discussion of what to do with it should include discussion of how her retirement, and yours, are to be provided for, so that she doesn't feel taken for granted.

Thanks for the thoughts Lois, much appreciated

At present, Mrs E doesn't have much in the way of retirement provision for herself. She is, however, listed as the beneficiary for both my civil service and current pension schemes. I'm fairly new to the world of pensions (7 years?), but the provision from these schemes already dwarfs the benefits investing the £1k would have brought.

She has joined her employer's scheme now - and hopefully my years of nagging and attempts to involve her in the joys of pensions will provide sufficient re-assurance that I consider her needs in all things.

Statistically, there's a real male/female pension gap in the UK and mindful of that, I've always tried to encourage investing for the longer term. Which makes me sound like an old man, I know

lulabelle1

Bung it in the emergency savings fund for sure........ Can always be invested at a later date if so desired.....