Mortgage free in Forever Home :-)

Brie

@greenbee
you might want to ask some questions over on the pension board.  there's an IFA that lives over that way and some others who know bits (I lurk too as a former scheme administrator).   But first thing I tell anyone is to drop it all in a spreadsheet complete with contact details & account numbers for everything.  Makes life so much easier.  

Thanks for the book title KK.  And get Mr KK to check his pension forecast and then see if he can plug any holes to bulk it up for retirement time.  

KajiKita

Brie said:

@greenbee
you might want to ask some questions over on the pension board.  there's an IFA that lives over that way and some others who know bits (I lurk too as a former scheme administrator).   But first thing I tell anyone is to drop it all in a spreadsheet complete with contact details & account numbers for everything.  Makes life so much easier.  

Thanks for the book title KK.  And get Mr KK to check his pension forecast and then see if he can plug any holes to bulk it up for retirement time.  

Thats a good idea Brie, I’ve started lusting them but not with critical details. 

Zero chance of Mr KK bulking up his pension … honestly. 

KK

edinburgher

I just leave the heads on the trout when I BBQ them 🤤

KajiKita

edinburgher said:

I just leave the heads on the trout when I BBQ them 🤤

I’m vegetarian. I can’t even cook a chop these days - far too visceral for me! 😉😊 And always, the eye of the trout seems to look across the table at me after it’s been cooked … <shudder> Hence why I get their heads removed 😊

KK 

edinburgher

I know - twas definitely a nice thing to do for a vegetarian ❤️

KajiKita

Been a good afternoon here, got quite a few garden jobs done that have been looking at me for a while.

- Cut the dead branches and twigs out of the weeding cake hydrangea. I think it heard me talking about chopping it down - somehow it’s put on new leaves and is flowering again!! 😳

- Cleared all the cut edges of the beds and cut some dead stuff back in the sit spot border. it’s all ready to mow tomorrow. 

- Dug out a goat’s willow and a hazel right down to the root in the tiny border under the conservatory. That’s a job that’s been needing doing for a long time.

- Pruned the tree fuchsia and the tree peony so you can actually use the path through the sit spot border. 

- Cut back the contorted hazel - it’s expanding and dropping like it does every summer and covering the back of the sit spot border …
That tree like all hazels round here is absolutely stuffed full with hazel nuts so I recovered the ones from the bits I cut off. We’ll try some of those tomorrow. 😊

- Dead headed the cut flower patch, cut some fresh flowers and put them on the dining room table (without Mr KK’s model box and the snowman - sorry @edinburgher 😉)

- We had a brew accompanied by a scone each, dressed with clotted cream and plum jam the fruit of which was still on our trees a week or so ago 😊

- TURNED OFF THE HOSE!! 😂😂😂😂🙄😊 I hopefully will have a quiet night tonight … 🤞😊



KK

beanielou

Scones looking lovely. 

debtfreewannabe321

Scones look good!
And the flowers are beautiful ❤️ 
Also I left my hose on too and it exploded everywhere 🫣. Woke up thinking it had been raining as it was all puddling up outside the door 🥲😂.

Bananabreadyum

Fab looking scones and beautiful flowers
X

Brie

KajiKita said:

Brie said:

@greenbee
you might want to ask some questions over on the pension board.  there's an IFA that lives over that way and some others who know bits (I lurk too as a former scheme administrator).   But first thing I tell anyone is to drop it all in a spreadsheet complete with contact details & account numbers for everything.  Makes life so much easier.  

Thanks for the book title KK.  And get Mr KK to check his pension forecast and then see if he can plug any holes to bulk it up for retirement time.  

Thats a good idea Brie, I’ve started lusting them but not with critical details. 

Zero chance of Mr KK bulking up his pension … honestly. 

KK

Lusting or listing???   

re Mr KK I meant can he buy extra years on his state pension?  He'll see what gaps might be possible once he looks at the forecast.  I think it's about £900 currently to buy a full year that's missing but less if there's only a partial year required.  And, I think, it's about £6 per week extra that would be received for each year added up to the max possible.  Which makes the breakeven point about 2.3 years from starting to receive it.