Clixsense 2014 Second Thread

System

I have a small private pension, that I got a statement for yesterday funnily enough, and I am only 25 so that will be there for if I make it to 65 haha!

I can't imagine they could ever get rid of the state pension is this country, especially as that is part of what National Insurance contributions go towards, also, I think if they phased it out they would have some other sort of thing, like they do now for people who didn't pay in enough in the 60s etc (pension credit or something like that).

We are hoping to purchase a house either this year or next year but we may continue to save and build our home from the council once we are in a slightly bigger place and have children as there is a 50% discount, which is significant of course. Then we will build up a pension pot in our 30s onwards, after paying off the mortgage of course. Mind you, all pipe dreams at the moment!

That's ok, I am not dying or anything and there are people much worse off. The reason I don't want to consider claiming now is I have seen the forms and the questions are really yes or no answers, making it almost impossible to get accepted as I can walk, just with pain sometimes, and sometimes I have great days where I can relax, walk anywhere I want, run around, do activities and things, and I just think that there are so many hoops to jump through for maybe another £100-£200 a month, that it doesn't feel worth it to me, just for the stress it would cause me alone! If I get the diagnosis for rheumatoid arthritis, that may take another 6-12 months then I think I may apply then, who knows though

ms_night_ryder

I hope you don't get Rheumatoid arthritis! I know a lot about that, it runs in my family, my grandma has had several operations, both knees, back because of it her cousin also, elbow, knees and hands, its horrible, my aunt cant use her hands, she used to be a hairdresser and she hates it.

The only good thing about making a claim on esa I think its called, is that they don't harass you to find work, which they do on jsa.

I'm 31 so a bit older, will be thinking about my pension soon enough lol, I think that the state pension will be phased out, but who knows, I wouldn't want to rely solely on that anyway, its not loads and according to me, if im retired, I should be living the life of riley! having a spend up and enjoying my later years on cruises and such lol, not scrimping and worrying about a heating bill.

50% Off? that's a bargain, council places in general are a good buy, my grandma bought hers, I think she paid like 20k obviously back in the day, but now its worth 250k, which is totally worth it, also my cousin bought his 1 bed in London and his mortgage is only £400 a month, which is cheap.

System

I hope I don't too but I've started to get some of the symptoms and my sister is already on some of the strongest drugs they have, which she started around 30, so seems likely according to my rheumatologist! Such is the life hey. I'm SO glad I don't have to be on JSA or anything, that was the worst, I actually quit JSA and just found a job on my own last time, but this time round I'm occasionally looking at say 4-6 hour a week part-time jobs but those are few and far between, but I don't need a job as such, would just like a bit of money to treat my husband

haha 31 isn't 'older'! I agree with you, I don't want to be like that either. I do think I worry about it a little more than I should!! Mind you, people in my family die around 70 so I probably won't even cash one in

Yes, 50% off after 5 years tenancy, we are on 4 years almost already in a housing association place, so will make sure next place is council and transfer the tenancy (I believe it works like that), plus you can get up to 60% off in total depending on how many years you've been with them. Madness really but if we can we should I think

vampire-girl

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Determine which is the correct reference
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vampire-girl

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alundra_2

Roof tasks have appeared. I managed to get 100% on them. Accuracy up! :j

I see a few tasks I could do, but I need to get ready and go to school within the next 45 minutes. Cashed out at around $33 this week -- all time high for me.

Makeachange

katykicker wrote: »

I have a small private pension, that I got a statement for yesterday funnily enough, and I am only 25 so that will be there for if I make it to 65 haha!

I can't imagine they could ever get rid of the state pension is this country, especially as that is part of what National Insurance contributions go towards, also, I think if they phased it out they would have some other sort of thing, like they do now for people who didn't pay in enough in the 60s etc (pension credit or something like that).

We are hoping to purchase a house either this year or next year but we may continue to save and build our home from the council once we are in a slightly bigger place and have children as there is a 50% discount, which is significant of course. Then we will build up a pension pot in our 30s onwards, after paying off the mortgage of course. Mind you, all pipe dreams at the moment!

That's ok, I am not dying or anything and there are people much worse off. The reason I don't want to consider claiming now is I have seen the forms and the questions are really yes or no answers, making it almost impossible to get accepted as I can walk, just with pain sometimes, and sometimes I have great days where I can relax, walk anywhere I want, run around, do activities and things, and I just think that there are so many hoops to jump through for maybe another £100-£200 a month, that it doesn't feel worth it to me, just for the stress it would cause me alone! If I get the diagnosis for rheumatoid arthritis, that may take another 6-12 months then I think I may apply then, who knows though

Katy, My mum has fibromyalgia too!! its a horrible condition! Infact I call it the condition that took my mum away. There is lots of things mum cant cope with anymore because of her fibro. Lots of changes we've had to make etc etc. I have been told I have all the signs of it but they wont diagnose it yet. I guess not enough doctors believe in it yet.

older_wiser

New task visual similar cities 2c

comparing two pictures of cities only did the test questions 75% very subjective the two i got wrong were actually correct i'll see if the percentage changes tomorrow but good to see new tasks appearing that will help to get my first badge lol

Makeachange

I saw that tasks too, good to see new ones! hoping more will keep coming as before long ill be free of uni and will need to keep busy :')

RachelBel

Am reading these posts, nodding my head... I've been in the same boat as you Katykicker for the last couple of years, and made the same decision about JSA/ESA for probably similar reasons I think.

Not fibromyalgia in my case, at least I don't think so - although it was one of many potential conditions that were on the table while they spent about a year figuring out what was wrong with me, as I had all the symptoms of it... MS was another worry, or brain tumour. Happily it was neither of those two nasties, but currently we suspect/guess it's Thoracic Outlet Syndrome that went undiagnosed for years and caused me a pile of knock-on issues with muscle wastage... so its physio physio and more physio for me... slow progress so far.
Although, if the symptoms don't get completely sorted with the physio, I understand Fibromyalgia is still a potential... It seems to be one of those "once we've exhausted all possibilities then it might be that" illnesses.

Nerve pain is horrible... but oh, the migraines!!! I had one migraine that lasted 3 months, no joke. Absolute nightmare.

When I first got ill, I had statutory sick leave for the first 6 months. I genuinely never expected to be ill beyond that, never mind still floundering around looking for a diagnosis... so didn't bother going for JSA/ESA, I had enough savings to keep me going at a frugal rate & my other half has a good steady job, so even with our mortgage we're living well within our means. I had an aversion to feeling like I had to "prove" I was ill to anyone... I already had found it tough being ill with something that isn't obvious to other people... its not like having a limb missing, or a chest infection or being bed ridden. You look fine to other people, even when you're in a world of pain. People forget that you're ill, particularly when you're the type of person who tries to 'get on with it' cheerfully.

But last year, my very best friend went through hell and back with his ESA "capacity for work" assessment. He has mental illness issues- depression, social anxiety, paranoia. Another illness that isn't immediately apparent because you can't point at it. He rarely leaves the house without an extreme amount of distress, panic... even going to the local garage for teabags is a huge deal. Atos judged him as "fit for work" because he didn't pass their tick-box assessment. Seriously, that whole system is messed up... 'can you walk 50 ft?', 'can you lift that empty box?' - things that have nothing whatsoever to do with either being in a work environment, or the illness he has.
He took it to tribunal stage, and fought it. (When I say 'fought'- he ignored the whole thing for months because he could not face even thinking about it- it was making him way more ill- while I did ALL the research for him- I joined help groups- spoke to people in the same boat. Got an understanding of the whole system and how to deal with the tribunal... and then coached him through what he needed to do.... because even the Citizen's Advice Bureau were no help (they wanted him to exaggerate... they wrote his statement for the tribunal and it was all OTT stuff about wailing and crying and shivering with fear in a ball in the corner of the room... he refused to use it, because he has principles and having to try and fit their prejudices to get help was just wrong on so many levels. His problems are hell enough, they ought to take them seriously as they are- especially when he had letters from three different psychologists supporting everything. He won his tribunal, but having that sitting over him for more than 6mths really set him back, emotionally and mentally.

Anyway... i'm waffling on, but all of that experience just underlined my reasons for not going anywhere near JSA/ESA. It would cause me needless stress which is the last thing I need, because stress actually brings me back to "3 mth long migraine" territory. Your sense of wellbeing is soooo linked to how well you manage an illness. You gotta do whats best for you... and £60-90 a week isn't worth your health.