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It's time to start digging up those Squirrelled Nuts!!!!

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  • SouthCoastBoy
    SouthCoastBoy Posts: 1,084 Forumite
    1,000 Posts Fifth Anniversary Name Dropper
    council tax is my big issue, no control over it and it keeps rising by around 5% per annum. Currently I pay around £2100 for a Band D property.
    It's just my opinion and not advice.
  • Sea_Shell
    Sea_Shell Posts: 10,028 Forumite
    Tenth Anniversary 1,000 Posts Photogenic Name Dropper
    I suppose it comes down to two things.

    1. Have you done pretty much everything you wanted to within any given annual spend amount?

    and

    2.  Is your budget a "hard" one to which you must stick, or is it fluid enough to absorb any extras that tickle your fancy!?! 
    How's it going, AKA, Nutwatch? - 12 month spends to date = 2.60% of current retirement "pot" (as at end May 2025)
  • Sea_Shell
    Sea_Shell Posts: 10,028 Forumite
    Tenth Anniversary 1,000 Posts Photogenic Name Dropper
    council tax is my big issue, no control over it and it keeps rising by around 5% per annum. Currently I pay around £2100 for a Band D property.
    Ours in not much less, same band.

    Few £ under £2000 pa.
    How's it going, AKA, Nutwatch? - 12 month spends to date = 2.60% of current retirement "pot" (as at end May 2025)
  • swindiff
    swindiff Posts: 976 Forumite
    Tenth Anniversary 500 Posts Name Dropper Newshound!
    We are at £1860 for a Band D
  • MallyGirl
    MallyGirl Posts: 7,219 Senior Ambassador
    Part of the Furniture 1,000 Posts Photogenic Name Dropper
    swindiff said:
    We are at £1860 for a Band D
    ours is £3,461 at band G - a problem of our own making undeniably.
    I’m a Senior Forum Ambassador and I support the Forum Team on the Pensions, Annuities & Retirement Planning, Loans
    & Credit Cards boards. If you need any help on these boards, do let me know. Please note that Ambassadors are not moderators. Any posts you spot in breach of the Forum Rules should be reported via the report button, or by emailing forumteam@moneysavingexpert.com.
    All views are my own and not the official line of MoneySavingExpert.
  • OldScientist
    OldScientist Posts: 832 Forumite
    Fourth Anniversary 500 Posts Name Dropper
    council tax is my big issue, no control over it and it keeps rising by around 5% per annum. Currently I pay around £2100 for a Band D property.
    Band B and a little under £1600. Given the above CPIH inflation increases in quite a few things (broadband is CPI+3.9%), I'm beginning to wonder whether shadow inflation may actually be real...

  • OldScientist
    OldScientist Posts: 832 Forumite
    Fourth Anniversary 500 Posts Name Dropper
    Sea_Shell said:
    I suppose it comes down to two things.

    1. Have you done pretty much everything you wanted to within any given annual spend amount?

    and

    2.  Is your budget a "hard" one to which you must stick, or is it fluid enough to absorb any extras that tickle your fancy!?! 
    For us the answers to these are essentially 'yes' and 'no' (which is a nice place to be)

  • westv
    westv Posts: 6,459 Forumite
    Part of the Furniture 1,000 Posts Name Dropper
    council tax is my big issue, no control over it and it keeps rising by around 5% per annum. Currently I pay around £2100 for a Band D property.
    Band B and a little under £1600. Given the above CPIH inflation increases in quite a few things (broadband is CPI+3.9%), I'm beginning to wonder whether shadow inflation may actually be real...

    We pay a similar amount and we are band C.
    Our BB is CPI + 3.95% from next April.
  • Ganga
    Ganga Posts: 4,253 Forumite
    Part of the Furniture 1,000 Posts Name Dropper
    We pay £1379 for band B in the NE of England ,could be worse  :)
  • Dazza1902
    Dazza1902 Posts: 186 Forumite
    Fourth Anniversary 100 Posts Name Dropper
    Council tax at £180 pm in the Midlands , will be my biggest single outgoing in retirement.
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