The Edcawber Principle

edinburgher

turtlemoose wrote: »

Hi Ed! I'm late to the party as been AWOL for a while, but just caught up and wanted to say congrats on new job and new kitten!

Cheers TM - both going well - although kitty sure likes climbing the blimmin' :xmastree:

Day off today. So far I have had a lie in, a big cooked breakfast and am still in my jammies

Edit: [STRIKE]£1.82[/STRIKE] £7.35 paid off a CC (edited as I downgraded my TCB account and had £5+ cashback to withdraw).

edinburgher

£51.33 FIT payment received from Eeon - I will most definitely make £16,500 by Christmas, only £30-35 to go :j

beanielou

edinburgher wrote: »

£51.33 FIT payment received from Eeon - I will most definitely make £16,500 by Christmas, only £30-35 to go :j

Excellent :j :j

Suffolk_lass

It feels as though you have the OP bug at the moment, with all these little OPs of CCs - I always feel they are the single simplest, but most significant contribution to redressing the debt balance.

On a personal note I have returned from a trip to Yorkshire with a terrible cough and it seems it is a cold too. I don't have time to be ill as only 17 working days left and soo much to do. My pension quote was waiting for me when I got back too. Better than my spreadsheet predicted because I had not included the inflation uplift (my DB is based on the best of my last three years and in my case this is the oldest year so they inflate it (and my TFLS) by just over 3%). I have just been looking at commuting and inverse commutation. Oh my!

Karmacat

Suffolk_lass wrote: »

It feels as though you have the OP bug at the moment, with all these little OPs of CCs - I always feel they are the single simplest, but most significant contribution to redressing the debt balance.

:j:j:j

On a personal note I have returned from a trip to Yorkshire with a terrible cough and it seems it is a cold too. I don't have time to be ill as only 17 working days left and soo much to do.

Sorry to hear it, SL, but remember that in 18 days, it just won't matter

My pension quote was waiting for me

.....I have just been looking at commuting and inverse commutation. Oh my!

Oh dear I don't know what they are in relation to pensions. I'm hoping that thats because they go along with having an employer make contributions.
Ed - I have very fond memories of my older cat climbing a :xmastree:

You can't beat it when they peer out from between the branches :rotfl:

edinburgher

@SL - sorry to hear you're feeling poorly! Are you considering inverse commutation? I assume you won't go the other way as it is often such poor value. Added pension in our scheme (similar to inverse commutation in that you're "buying in", albeit over a longer period) is rather good value for money. Basically, I'd need to live for 7? years to make a profit, which I'd be hopeful of (75). I have considered pairing added pension with a life insurance policy to preserve against loss (as the added pension doesn't go to dependents). It's still a lot of money, however, £6,600 or so of pension would cost me £42,000! :eek:

@KC - I could cope with peering from the branches in a cute fashion, but kitten is basically using the tree as a climbing frame from which to attack the decorations. I suppose it's our fault - we've basically stuck a tween in two rooms since October :rotfl:

Feeling a bit sluggish today, winter is not usually as invigorating as the other seasons! I have made a couple of eB@y sales (have now sold all "stock" left over from purchases last year) and the new purchases added £23 or so to the total (after all deductions and postage). We are now £10.12 away from our Christmas target of £16,499 :j Considering we've spent £34,000 this year all told, that's a rounding error of an amount to scrounge up from somewhere

Today will see a lot of housework (ignored it a bit last week), family breakfast and dinner (roast pork that is already cooking :drool:) and probably some Christmas card writing :xmastree:

Hope everyone is feeling happy :coffee:

Suffolk_lass

My IC figures are a lot worse than that. There is a PCSPS inverse commutation factors spreadsheet I have downloaded and then decided I must have got wrong, so I started a thread on the Pensions Board this morning. I was looking at it to make DH's spousal benefits look a bit better as my lung damage from asthma means I am likely to predecease him (even assuming a long and happy retirement) and I wanted to make sure I was not a cliff-edge for him. I don't think I am committed to it. The rates are 4.97% for it to cover both of us and only just over £2080 per annum if I gave up £42,000 - between 15 and 20 years to pay for itself, without looking at interest or growth for that capital, or indexation of the increase.

I need to check why the spouse quote is less than 50% now

edinburgher

A very productive day all round

• The saintly Mrs E largely looked after DD, including a lie in for me, her exercise class, taking her to a friend's house and making salt dough Christmas decorations with her!
• I tried to be helpful too and hoovered
• Cleaned the tumble dryer filter
• Hung up laundry
• Tidied
• Updated my address book and wrote all of our Christmas cards!
• Packaged up 2 eB@y sales
• Made us a cooked brekkie and am currently cooking our dinner
• Updated spreadsheets

beanielou

You can write my Christmas cards

edinburgher

beanielou wrote: »

You can write my Christmas cards

Sure - send them over :rotfl:

£1.18 paid off a CC. I am skint and it's 9 days 'til payday!

Not much planned today. We all had a terrible night's sleep, but at least we managed a lie in this morning (well, 8:15).

We have a fridge full of tasty food, Christmas spirit and it has stopped raining :T