Debt Free Wannabe Teacher

dfw87

enthusiasticsaver wrote: »

By opting out of your pension you are not only missing out on employer contributions but also tax relief. It is definitely not recommended. Savings pay pitiful interest rates in comparison with pension savings especially the teachers pension scheme which is one of the best ones out there.

Thanks - I do know this but I personally want to get my debt cleared. I totally understand the benefits of the pension, particularly mine, but there is more to the debt than clearing the money... there is the potential to buy a house, there is the mental health aspect too and I would rather be happy and debt free now and then pay back into my pension, than heading the way I was with my debt and mental health.

dfw87

wishingthemortgaheaway wrote: »

Paying out for kindles for school is ridiculous, they should be purchased through a proper procurement procedure.
It's not fair on you and the auditors wouldn't be very happy with it either.

Preaching to the choir here!! I spoke to the business manager about it today and they are getting me a cheque ASAP - it's because there was a limit to how many we could buy as it was a Black Friday deal - hopefully a one off!!