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Comments
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EssexHebridean said:Aargh - I understand your quandary. I think everyone (well, all decent human beings) is feeling a bit miffed with the number of people still feeling that the rules don't apply to them. I completely sympathise with those who are genuinely exempt - technically I am myself although as a general rule I manage to wear one - but IMO you can tell the genuine ones as they are apologetic/keen to keep distance etc.
Ultimately you have no "moral duty" to work for the NHS - it is just an organisation which you currently work for. If you moved elsewhere for more pay, that too would just be "an organisation you work for, but for more money". I'd try to look at it this way if it were me - if you currently worked for a private entity, and an option came along to jump ship for a lot more money, would you even think twice about it if you were feeling disillusioned where you are now? If you loved the current role, workplace, management etc it would be different. without question though it's good to know that there are options.
Glad you have a nice long run of time off at Christmas too, that's going to be a help I suspect!
I think it gets ingrained in NHS staff that it's almost immoral to work in the private sector or locum, almost like you're a deserterYou're right, if I worked for a private company and another offered me triple the wage, I wouldn't hesitate.
The break is definitely needed, roll on ChristmasDFD March 2025 (£35000 paid off)
FFEF £10000/20000 saved3 -
I'd definitely go for triple pay - you can always pay into a private pension.
I'm technically exempt from mask wearing but keener than most to wear one as I am concerned about the risk.Achieve FIRE/Mortgage Neutrality in 2030
1) MFW Nov 21 £202K now £174.8K Equity 32.77%
2) £1.6K Net savings after CCs 14/8/25
3) Mortgage neutral by 06/30 (AVC £25.3K + Lump Sums DB £4.6K + (25% of SIPP 1.2K) = 31.1/£127.5K target 24.4% 15/8/25
4) FI Age 60 income target £16.5/30K 55.1%
5) SIPP £4.8K updated 29/7/252 -
you could investigate putting some of your side hustle gains into buying more NHS pension rather than private - unless you fancy the investment challenge or want to run that pot down early in retirement. Buying extra pension works very well, guaranteeing income in retirement at a good price is usually a real win although some would advise saving and waiting - not everyone can afford to do so. you need to make sure you personally have a bedrock of pension. It makes for more resiliency and options are good - the 55 year old you may be grateful!!.I think I saw you in an ice cream parlour
Drinking milk shakes, cold and long
Smiling and waving and looking so fine2 -
Thanks SH and Mark good ideas re pensions, I do need to get more serious with it. I'm heading towards my mid 40s and would ideally like to retire at 60. Not sure it'll happen though!
DFD March 2025 (£35000 paid off)
FFEF £10000/20000 saved2 -
It can't happen without a plan but you still have timeAchieve FIRE/Mortgage Neutrality in 2030
1) MFW Nov 21 £202K now £174.8K Equity 32.77%
2) £1.6K Net savings after CCs 14/8/25
3) Mortgage neutral by 06/30 (AVC £25.3K + Lump Sums DB £4.6K + (25% of SIPP 1.2K) = 31.1/£127.5K target 24.4% 15/8/25
4) FI Age 60 income target £16.5/30K 55.1%
5) SIPP £4.8K updated 29/7/251 -
Belated Merry Christmas!! Hope everyone had a good one. We've had a lovely albeit busy one... we kind of overbooked half expecting stuff to get cancelled here and there, but it didn't! Which was good, but also busy
I'm now feeling the typical mood of knowing I've eaten, drunk and spent too much but am still in denial. On 1st January, I'll peek at the scales and bank balance and winceDFD March 2025 (£35000 paid off)
FFEF £10000/20000 saved5 -
Pleased you've had a lovely Christmas. I hear you on the eating, drinking, spending front - will also be wincing tomorrow 🤣4
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ohdearhowdidthathappen said:Belated Merry Christmas!! Hope everyone had a good one. We've had a lovely albeit busy one... we kind of overbooked half expecting stuff to get cancelled here and there, but it didn't! Which was good, but also busy
I'm now feeling the typical mood of knowing I've eaten, drunk and spent too much but am still in denial. On 1st January, I'll peek at the scales and bank balance and wince
This week is the week where you indulge yourself knowing that you got it covered by the diet (that you won't stick to) starts on MondayI think I saw you in an ice cream parlour
Drinking milk shakes, cold and long
Smiling and waving and looking so fine6 -
Glad you had a fab time. Sounds like you did some memory making.
Happy New YearAchieve FIRE/Mortgage Neutrality in 2030
1) MFW Nov 21 £202K now £174.8K Equity 32.77%
2) £1.6K Net savings after CCs 14/8/25
3) Mortgage neutral by 06/30 (AVC £25.3K + Lump Sums DB £4.6K + (25% of SIPP 1.2K) = 31.1/£127.5K target 24.4% 15/8/25
4) FI Age 60 income target £16.5/30K 55.1%
5) SIPP £4.8K updated 29/7/253 -
Happy New Year! Glad you had a good Christmas xxDebt-free Jan 2023 | MFW date Dec 2033. Start date 1st January 2023 £257,509 (23 years left)
Current Mortgage: £235,698
Emergency Fund = £8,256 Target £10,000
Currently paying off CC £1204 - Saved £100 so far5
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