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  • 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! 
    Clinical staff with exemptions still have to wear masks, so the double standard irritates.  Agreed, the genuine ones are usually easy to spot and to be honest they regularly do wear a mask at hospital as they're worried about the huge amounts of germs.

    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 deserter :D  You'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 Christmas :)
    DFD March 2025 (£35000 paid off)
    FFEF £10000/20000 saved
  • savingholmes
    savingholmes Posts: 28,974 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    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 29/7/25
  • mark55man
    mark55man Posts: 8,215 Forumite
    Part of the Furniture 1,000 Posts Name Dropper
    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 fine
  • 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 saved
  • savingholmes
    savingholmes Posts: 28,974 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    It can't happen without a plan but you still have time
    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 29/7/25
  • Pleased you've had a lovely Christmas. I hear you on the eating, drinking, spending front - will also be wincing tomorrow 🤣 
  • savingholmes
    savingholmes Posts: 28,974 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Glad you had a fab time. Sounds like you did some memory making. 

    Happy New Year
    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 29/7/25
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