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Keep calm and carry on....
Comments
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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🤦♀️).3
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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 😮!Mortgage start: £65,495 (March 2016)
Cleared 🧚♀️🧚♀️🧚♀️!!! In 5 years, 1 month and 29 days
Total amount repaid: £72,307.03. £1.10 repaid for every £1.00 borrowed
Finally earning interest instead of paying it!!!2 -
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-a1bdr9v79qp52
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Or if you have grandchildren that you mind while their parents work you can get NI credits for that.
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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 xMortgage start: £65,495 (March 2016)
Cleared 🧚♀️🧚♀️🧚♀️!!! In 5 years, 1 month and 29 days
Total amount repaid: £72,307.03. £1.10 repaid for every £1.00 borrowed
Finally earning interest instead of paying it!!!2 -
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!Mortgage start: £65,495 (March 2016)
Cleared 🧚♀️🧚♀️🧚♀️!!! In 5 years, 1 month and 29 days
Total amount repaid: £72,307.03. £1.10 repaid for every £1.00 borrowed
Finally earning interest instead of paying it!!!5 -
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?
If it's not adding up, compound it!2 -
Lol. I feel the same when I get screened out because I don't earn more than 150k or something.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!2026 decluttering: 820 🤑🥉 ⭐️🥈🥇 ⭐️ ⭐️💎 ⭐️ ⭐️ ⭐️ ⭐️ ⭐️
2026 use up challenge: 244🥉 ⭐️🥈🥇 ⭐️ ⭐️💎 ⭐️
2026 decluttering goals I Use up Challenge: 🥉52 🥈100 🥇250 💎365 🏆1,000 I 🥉25 🥈50 🥇100 💎150 🏆3002 -
I don't even have the second bedroom 🤣!Grogged said:I don't know anyone who has a second home, second bedroom, yes, home no...Mortgage start: £65,495 (March 2016)
Cleared 🧚♀️🧚♀️🧚♀️!!! In 5 years, 1 month and 29 days
Total amount repaid: £72,307.03. £1.10 repaid for every £1.00 borrowed
Finally earning interest instead of paying it!!!2 -
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....🙄QueenJess said:Lol. I feel the same when I get screened out because I don't earn more than 150k or something.Mortgage start: £65,495 (March 2016)
Cleared 🧚♀️🧚♀️🧚♀️!!! In 5 years, 1 month and 29 days
Total amount repaid: £72,307.03. £1.10 repaid for every £1.00 borrowed
Finally earning interest instead of paying it!!!2
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