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Busy Mee's Last Leg

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  • Suffolk_lass
    Suffolk_lass Posts: 10,306 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    You are right, it will be applied in April (once a year, on the date anniversary of the day after you retire), but if you were to revert in January, your best and final year would end then and the indexation would be backdated to the first day after you revert.

    Save £12k in 2025 #2 I am at £4863.32 out of £6000 after May (81.05%)
    OS Grocery Challenge in 2025 I am at £1286.68/£3000 or 42.89% of my annual spend so far
    I also Reverse Meal Plan on that thread and grow much of our own premium price fruit and veg, joining in on the Grow your own thread
    My new diary is here
  • Oo right. Thanks SL. So actually I would be better off losing the TP once I have a full year in.
  • Suffolk_lass
    Suffolk_lass Posts: 10,306 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    edited 17 September 2020 at 7:02AM
    In terms of permanent pension, if the CPI for September is decent, yes (August was a miserable 0.2 thanks to no flights depressing costs and eat out to help out) - but you lose the extra salary for the remaining months of service so 6 of one, half a dozen of the other IYSWIM. 
    Save £12k in 2025 #2 I am at £4863.32 out of £6000 after May (81.05%)
    OS Grocery Challenge in 2025 I am at £1286.68/£3000 or 42.89% of my annual spend so far
    I also Reverse Meal Plan on that thread and grow much of our own premium price fruit and veg, joining in on the Grow your own thread
    My new diary is here
  • Ah thanks. Swings and roundabouts then.
  • savingholmes
    savingholmes Posts: 28,973 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Glad you have some time off planned. How exciting to be on a countdown to when you can retire and to know financially everything you need is in place.
    Achieve FIRE/Mortgage Neutrality in 2030
    1) MFW Nov 21 £202K now £174.8K Equity 32.77%
    2) £2.6K Net savings after CCs 6/7/25
    3) Mortgage neutral by 06/30 (AVC £24.3K + Lump Sums DB £4.6K + (25% of SIPP 1.2K) = 30.1/£127.5K target 23.6% 29/7/25
    4) FI Age 60 income target £16.5/30K 55.1%
    5) SIPP £4.8K updated 29/7/25
  • Suffolk_lass
    Suffolk_lass Posts: 10,306 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Reading your report of Mr Mee is just like writing about DH! except he (I believe) may have become progressively more rogue with the shopping list in order to ensure I took it back once I ventured out.

    You won't regret leaving work, I promise. That feeling on Sunday night was a pit of the stomach feeling and propensity for early morning insomnia over here. I really did not realise how debilitating it was until about two months after I retired, when I realised it had stopped.

    If you have been skipping lunch as part of your weightloss regime, it may well explain a dip in blood pressure. Mine is typically 110 over 70 anyway so when it dips I do sometimes feel heady. I hope for you that it is fasting that may be causing yours as a dry cracker will stop it falling further and not damage the diet too much. 

    Take care of yourself
    Save £12k in 2025 #2 I am at £4863.32 out of £6000 after May (81.05%)
    OS Grocery Challenge in 2025 I am at £1286.68/£3000 or 42.89% of my annual spend so far
    I also Reverse Meal Plan on that thread and grow much of our own premium price fruit and veg, joining in on the Grow your own thread
    My new diary is here
  • Hi BusyMee, the back to back meeting got so bad at my work over the summer that upper management brought in the 50 minute rule (mainly because our DSE assessments showed the staff were getting back problems).  

    We are supposed to finish all meetings by 10 to the hour.  It’s not really changed anything much but I’ve been trying it, when I’m chairing and it does help to stop people wittering on if you tell them we are finishing at 10 to!
  • That is a really good idea CM. I am going to try that for the meetings I control. I must admit I am getting backache from sitting in one position so long and also getting really cold, because I am not moving. I probably need to stand up and move around more. 
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