This Time I'm Really Going To Do It

Karmacat

Awakening! Thats the word! Yay

apple_muncher

Watty, I may venture out your way over the summer. I have a photo of a weather vane that my grandad designed (and built?) that is somewhere on the coast... Can't spot it on google maps, but that's cos mum can't remember where it is and we have 3 possible locations...I also want to go and see her childhood home, even though I know it'll be nothing like she describes it was 80 years ago. She talks about an isthmus (?!) in the river where they used to play. I just want to try to find it...

maggiem

Lovely to 'hear' from you Watty and it sounds like lots of plans emerging.
I read the pensions board but very rarely post as a lot of it seems to be to be written in a language other than English and I'm also a bit intimidated by the 'I have 300k in ISAs, x amount in cash and do I have enough to retire on' threads. Gulp, if only. Think I am looking for the idiots guide to pensions.

Surprising how easy it is to slip into paying more than your OH. We have joint accounts in the main but I often end up paying when we are out - that doesn't matter as it is coming out of the joint account but if not it might. I know that would be due in my case to his carelessness but I can see how it could become something different.

Hope your plans come to fruition soon.

Watty1

apple_muncher wrote: »

Watty, I may venture out your way over the summer. I have a photo of a weather vane that my grandad designed (and built?) that is somewhere on the coast... Can't spot it on google maps, but that's cos mum can't remember where it is and we have 3 possible locations...I also want to go and see her childhood home, even though I know it'll be nothing like she describes it was 80 years ago. She talks about an isthmus (?!) in the river where they used to play. I just want to try to find it...

Oh how lovely .... if you have time for a coffee let me know ....

Watty1

maggiem wrote: »

I read the pensions board but very rarely post as a lot of it seems to be to be written in a language other than English and I'm also a bit intimidated by the 'I have 300k in ISAs, x amount in cash and do I have enough to retire on' threads. Gulp, if only. Think I am looking for the idiots guide to pensions.
.

Gulp if only indeed .. plus they are very hard on us lot MFW too.

apple_muncher

Watty1 wrote: »

Oh how lovely .... if you have time for a coffee let me know ....

I most certainly will! Thank you

Watty1

"Watty's Awakening" Love it ... fabulous.
Thought of a couple of extras to add to the number needed for retirement. Nothing major but should still be in there... just missed them because Netflix and Glasses come from a different cards.
Then began the hard work of contacting HMRC to get a state pension forecast. After the online services denined all knowledge of me (funny how they know me for tax eh?) I battled the phone lines and after a lengthy wait will be getting a state pension forecast through the post in the not to distant.
Now I don't for one minute expect that to be great given my chequered work history but getting forecasts was my first step for today. I have found out how much my personal pension pot actually is and now I have a state forecast on its way .....

Watty1

maggiem wrote: »

Surprising how easy it is to slip into paying more than your OH. We have joint accounts in the main but I often end up paying when we are out - that doesn't matter as it is coming out of the joint account but if not it might. I know that would be due in my case to his carelessness but I can see how it could become something different.

It may have been carelessness or thoughtlessness initially but the lack of desire to put things right suggests something much darker now. I am comfortably standing my own now and he agreed to a post nup setting out an agreement "in the event of a split" and yet when it arrived from my solicitor he refused to acknowledge it or sign it. (based on the fact that when we met I had 90% equity in a house and a vast collection of antiquarian books all of which have now vanished into the joint pot). I looked at it as a win win if he signed yet had no expectation he would. And he did not. Nor did he acknowledge it or suggest a different solution. Instead "in the event of a split" he wants 50/50. So I am not talking about "D Day" yet just getting my ducks in the boat as it were (I think I may have sayings a little mixed :rotfl: but I'm happy enough in my world!

Karmacat

Just two words for you, Watty: slush fund. You deserve a nice big one, but do what you can, hey?

greent

Watty1 wrote: »

"Watty's Awakening"

Sounds like the perfect title for a new diary....


So very glad to see you back, albeit it not in the best situation - however, you're awake and planning - and that is very much a Good Thing! :T

I look forward to following plans for the next step xx