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Scottish Friendly Bond... cash in now or wait?
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Yeah, with profits funds aren't great for this. And it's difficult to see how much you're being charged exactly as the charges are not explicit. A fund factsheet should break it down a bit more though. Should be on their website.
Could you reduce your grocery costs? I highly recommend some batch cooking before baby arrives. And it'd save money too. I'm currently doing the grocery challenge over on the old style board. You could join that
February wins: Theatre tickets0 -
I will have a look groceries are something I struggle with. Definitely going to batch cook some bolognese and pasta sauces to freeze to get us through the first couple of weeks! I start off well meal planning and then am too tired or don't fancy whatever I've planned so we end up getting more shopping or a takeaway.
Became Mrs Scotland 16.01.16
Became homeowners 26.02.16 Baby girl arrived 27.10.16 Baby boy arrived 16.09.20180 -
I made this the other day, and it was lush!http://www.bbcgoodfood.com/recipes/775643/cottage-pie froze loads too. If you had loads of choice in the freezer you could veer from the meal plan without issue.
I have a korma recipe somewhere as well which is super close to takeaway korma flavour. I can send if you like?February wins: Theatre tickets0 -
Oh and don't forget to factor in child benefit February wins: Theatre tickets0
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We have to pay it back sadly We may get to keep some of it once we get childcare vouchers but I plan to have it paid into a separate account so we have it there to pay back at the end of the year. Became Mrs Scotland 16.01.16Became homeowners 26.02.16 Baby girl arrived 27.10.16 Baby boy arrived 16.09.20180
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Huh? You have to pay back child benefit? Why?February wins: Theatre tickets0
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euronorris wrote: »Huh? You have to pay back child benefit? Why?
DH salary and bonus means we have to pay it all back at the end of the tax year. It's on a sliding scale once one of you earns £50k +Became Mrs Scotland 16.01.16Became homeowners 26.02.16 Baby girl arrived 27.10.16 Baby boy arrived 16.09.20180 -
Has your husband thought of making pension contributions to reduce his adjusted net income?
https://www.unbiased.co.uk/news/how-to-avoid-the-child-benefit-tax-charge/19660 -
He does make contributions but I think his company do them after tax annoyingly.Became Mrs Scotland 16.01.16Became homeowners 26.02.16 Baby girl arrived 27.10.16 Baby boy arrived 16.09.20180
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psychopathbabble wrote: »DH salary and bonus means we have to pay it all back at the end of the tax year. It's on a sliding scale once one of you earns £50k +
Government makes no sense!February wins: Theatre tickets0
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