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Things can only get better

edited 30 November -1 at 1:00AM in Debt Free Diaries
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  • enthusiasticsaverenthusiasticsaver Forumite, Board Guide
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    Sun_Addict wrote: »
    My pension is a civil service pension so not sure about AVCs. Thanks for the info though, worth looking into.

    Talking of pensions, I've had another letter about the one that's winding up. Seems to be taking forever. The cut off date is 25 May - finally!

    Dentist check up this afternoon, all ok thankfully.

    Finally achieved a NSD :) This was despite Mr SA ringing me to get him a new grabber stick as he's broken his. He seems to think we've got a never ending supply of money and that I've got nothing better to do than run around shopping for him.

    Back to the gym at lunchtime today, not been since before my holiday but have been to Pilates and doing loads of walking.

    Weather has been fab here today, pity I was indoors for most of it.

    If it is civil service pension that is a very good one. There is an A scheme I think and a lower one where contributions not as high but benefits lower. You can get quotes from your pension administrator. My daughter has just started making extra contributions into her civil service pension to buy extra years.
    Early retired in December 2017

    I'm a Board Guide on the Debt-Free Wannabe, Mortgages and Endowments, Banking and Budgeting boards. I volunteer to help get your forum questions answered and keep the forum running smoothly. Any views are mine and not the official line of moneysavingexpert.com. Pease remember, board guides don't read every post. If you spot an illegal or inappropriate post then please report it to [email protected]
  • HairyHandofDartmoorHairyHandofDartmoor Forumite
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    Enjoy your last week in your old job :)
    Finally Debt Free After 34 Years, But Still Need to Live Frugally
    Debt in July 2017 = £58,766 😱 DEBT FREE 31 OCTOBER 2017 :T 🎉
    EMERGENCY FUND 1 = £1,500/£5,000. EMERGENCY FUND 2 = £50/£5,000.
    CHRISTMAS SAVINGS = £144.37/£500
    PREMIUM BONDS ME = £300. PREMIUM BONDS DH = £300
  • Sun_AddictSun_Addict Forumite
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    Thanks ES - I've been told I can buy extra years. I have the Alpha pension. I'll see what I can find out.

    Only 2.5 days left in my present job. Finishing early on Friday for leaving celebrations at a nearby bar.

    Another fabulous hot sunny day, it's killing me being trapped indoors. Not helped by Mr SA ringing to say how lovely it was in the garden!

    Popped into Mr S this lunchtime and got the cushions and placemats that were absent from last week's online order :)

    Interestingly, since my horrendous sleepless night last Monday when Mr SA snored all night and I threatened to smother him if he did it again, he hasn't snored. So he CAN control it!!!!

    Hope everyone's had a good day.
    Virtual Sealed Pot 2020 £551.78
    Emergency Fund £4850/£10,000
    September NSD:
  • beanieloubeanielou Forumite
    72.8K posts
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    NOt so sunny & warm here today.
    2 1/2 days to go :j :j
    Lou~ Debt free Wanabe No 55 DF 03/03/14.
    **Credit card debt free 30/06/10~**
    **Weight loss 2 stone 2 lbs **
    MFW. 9 months to go. B)
    "A large income is the best recipe for happiness I ever heard of" Jane Austen in Mansfield Park.
    ***Fall down seven times,stand up eight*** ~~Japanese proverb.
    It starts with you, it starts from now. *** It is ok to be me.***
    ***Keep plodding***
    Out of debt, out of danger. ***Be the difference.***
  • brizzlegirlbrizzlegirl Forumite
    1.2K posts
    1,000 Posts Second Anniversary Name Dropper
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    Yay to the new job starting soon!! Very exciting....

    I love the fact that you are Mr SAs personal shopper :rotfl: If you look back over your diaries he has got you to get him some varied stuff :rotfl: never a dull moment in implementing the Mr SA purchasing model ;)
    DFFW - pay it ALL off in 2020- on track for October!
    MFW..aim for Dec 2023
    2020 Savings Rate - Goal 40%38% April - best in 2019 66% November
    July Goals AFDs 01/25 Decluttering xx/60 LSDs 01/10 NSDs xx/05 July Exercise RT Xxk 01/25 12k steps per day pls
    Aiming to be a true Frugalista!
  • beanieloubeanielou Forumite
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    Part of the Furniture 10,000 Posts Name Dropper Photogenic
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    Yay to the new job starting soon!! Very exciting....

    I love the fact that you are Mr SAs personal shopper :rotfl: If you look back over your diaries he has got you to get him some varied stuff :rotfl: never a dull moment in implementing the Mr SA purchasing model ;)

    This is true:rotfl:
    Lou~ Debt free Wanabe No 55 DF 03/03/14.
    **Credit card debt free 30/06/10~**
    **Weight loss 2 stone 2 lbs **
    MFW. 9 months to go. B)
    "A large income is the best recipe for happiness I ever heard of" Jane Austen in Mansfield Park.
    ***Fall down seven times,stand up eight*** ~~Japanese proverb.
    It starts with you, it starts from now. *** It is ok to be me.***
    ***Keep plodding***
    Out of debt, out of danger. ***Be the difference.***
  • Sun_AddictSun_Addict Forumite
    9.7K posts
    Part of the Furniture 1,000 Posts Name Dropper Photogenic
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    And here we are at Wednesday already.

    Pilates this lunchtime and a low spend day - £3 for Pilates and £1 for a bag of salad leaves.

    Lidl are selling grabber sticks for £3.99 from tomorrow, hopefully our local one will have them in stock. Mr SA's shopping list is certainly varied :)

    In scary news Mr SA has announced he's going swimming on his own tomorrow :eek. He's not been since he had the carer and it wasn't very successful then. He's already packed a sports bag and it's by the front door.

    I've put my ld coffee table and table and chairs on eBay, got 9 watchers on one and 8 on the other. Hopefully both will sell. If not they'll go to the charity shop as I need the space.
    Virtual Sealed Pot 2020 £551.78
    Emergency Fund £4850/£10,000
    September NSD:
  • HairyHandofDartmoorHairyHandofDartmoor Forumite
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    :eek::eek::eek::eek: to Mr SA going swimming alone! At least they have lifeguards :rotfl: :eek:.
    Finally Debt Free After 34 Years, But Still Need to Live Frugally
    Debt in July 2017 = £58,766 😱 DEBT FREE 31 OCTOBER 2017 :T 🎉
    EMERGENCY FUND 1 = £1,500/£5,000. EMERGENCY FUND 2 = £50/£5,000.
    CHRISTMAS SAVINGS = £144.37/£500
    PREMIUM BONDS ME = £300. PREMIUM BONDS DH = £300
  • WannabeFreeWannabeFree Forumite
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    Enjoy the last few days before the new chapter SA

    x
    “Once you hit rock bottom, that's where you perfectly stand; That's your chance of restarting, but restarting the way.”
  • beanieloubeanielou Forumite
    72.8K posts
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
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    Swimming :eek:
    Hope ebay goes well :)
    Lou~ Debt free Wanabe No 55 DF 03/03/14.
    **Credit card debt free 30/06/10~**
    **Weight loss 2 stone 2 lbs **
    MFW. 9 months to go. B)
    "A large income is the best recipe for happiness I ever heard of" Jane Austen in Mansfield Park.
    ***Fall down seven times,stand up eight*** ~~Japanese proverb.
    It starts with you, it starts from now. *** It is ok to be me.***
    ***Keep plodding***
    Out of debt, out of danger. ***Be the difference.***
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