Keep calm and carry on....

Cornish_mum

Happy belated birthday SC! 

My NI contributions are so rubbish I have to go till 60... annoyingly I received the letter asking me to make up the voluntary contributions for the years I am lacking.... but because 26 years old me was an idiot, I chucked in the bin!  I thought it was a waste of money (at the time I genuinely thought that by the time I retired there won’t be a state pension🤦‍♀️). 

South_coast

Thanks CM! That's a bummer about the NI 🙁 Even a partial amount would be worth having though if you did decide to jump ship sooner - I'm on £109.87 a week at the moment, so another 14 years will only get me an extra £65.33 😮!

killerpeaty

Obviously not advice, but you can register as self employed and voluntarily pay class 2 NI to get the credits for years that you are not working with you RE. More information on Class 2 https://www.which.co.uk/money/tax/income-tax/income-tax-for-the-self-employed/self-employed-national-insurance-a1bdr9v79qp5

badmemory

Or if you have grandchildren that you mind while their parents work you can get NI credits for that.

South_coast

Ooh, two very interesting ideas there! Don't think the grandchildren one will be a goer though, not planning on having any kids 😮! Would be useful for my Mum though, if my step-sister ever moves down x

South_coast

Just been screened out for not having a second home 🤦‍♀️🤦‍♀️🤦‍♀️ If I could afford to run two houses I wouldn't be doing surveys for extra pennies!

Grogged

Cheapskate...😆
That seems a very specific survey, I don't know anyone who has a second home, second bedroom, yes, home no...
Wonder what the questions were like?

QueenJess

South_coast said:

Just been screened out for not having a second home 🤦‍♀️🤦‍♀️🤦‍♀️ If I could afford to run two houses I wouldn't be doing surveys for extra pennies!

Lol.  I feel the same when I get screened out because I don't earn more than 150k or something.

South_coast

Grogged said:

I don't know anyone who has a second home, second bedroom, yes, home no...

I don't even have the second bedroom 🤣!

South_coast

QueenJess said:

Lol.  I feel the same when I get screened out because I don't earn more than 150k or something.

Yep, I had another one that screened me out for not being a CFO or similar. Then there's the ones where you need to be buying designer goods....🙄