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Small steps lead to big changes...
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I've just realised that it's 22 years today until I get my state pension (assuming nothing changes). I do not plan on working that long!
"Good financial planning is about not spending money on things that add no value to your life in order to have more money for the things that do". Eoin McGee2 -
Happy birthday to you 🧁🍰😍I am a Forum Ambassador and I support the Forum Team on Mortgage Free Wannabe & Local Money Saving Scotland & Disability Money Matters. If you need any help on those boards, do let me know.Please note that Ambassadors are not moderators. Any post 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 & not the official line of Money Saving Expert.
Lou~ Debt free Wanabe No 55 DF 03/14.**Credit card debt free 30/06/10~** MFW. Finally mortgage free O2/ 2021****
"A large income is the best recipe for happiness I ever heard of" Jane Austen in Mansfield Park.
***Fall down seven times,stand up eight*** ~~Japanese proverb. ***Keep plodding*** Out of debt, out of danger. ***Be the difference.***
One debt remaining. Home improvement loan.2 -
Hi @jwil. Sounds like you have had a really productive week. I am definitely a fan of the small positive things aspect and it's amazing what can be achieved with the small consistent actions - your PADs are going well for January considering we are only on the 6th.
My OH gets his state pension later this year and has already been retired for over 10 years - looking forward to that extra money especially as I am still working and intend to be doing so for 3-5 more years. I do like my job as well, which always helps!3 -
Thank you, but it's not my birthday bizarrely! I queried it a few years ago. Apparently I'm in the transition period when the retirement age moves from 67 to 68 so I'll get my pension a few weeks before I turn 68. Flipping annoying really!beanielou said:Happy birthday to you 🧁🍰😍"Good financial planning is about not spending money on things that add no value to your life in order to have more money for the things that do". Eoin McGee1 -
My DH always says he has no plans to retire because he'd find it boring. I'm the opposite and want to go as soon as I can! It will be interesting to see if he changes his mind if I do go early.Hi @jwil. Sounds like you have had a really productive week. I am definitely a fan of the small positive things aspect and it's amazing what can be achieved with the small consistent actions - your PADs are going well for January considering we are only on the 6th.
My OH gets his state pension later this year and has already been retired for over 10 years - looking forward to that extra money especially as I am still working and intend to be doing so for 3-5 more years. I do like my job as well, which always helps!"Good financial planning is about not spending money on things that add no value to your life in order to have more money for the things that do". Eoin McGee1 -
Blimey. That’s really annoying.jwil said:
Thank you, but it's not my birthday bizarrely! I queried it a few years ago. Apparently I'm in the transition period when the retirement age moves from 67 to 68 so I'll get my pension a few weeks before I turn 68. Flipping annoying really!beanielou said:Happy birthday to you 🧁🍰😍I am a Forum Ambassador and I support the Forum Team on Mortgage Free Wannabe & Local Money Saving Scotland & Disability Money Matters. If you need any help on those boards, do let me know.Please note that Ambassadors are not moderators. Any post 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 & not the official line of Money Saving Expert.
Lou~ Debt free Wanabe No 55 DF 03/14.**Credit card debt free 30/06/10~** MFW. Finally mortgage free O2/ 2021****
"A large income is the best recipe for happiness I ever heard of" Jane Austen in Mansfield Park.
***Fall down seven times,stand up eight*** ~~Japanese proverb. ***Keep plodding*** Out of debt, out of danger. ***Be the difference.***
One debt remaining. Home improvement loan.2 -
It really is! I feel cheated of a year.beanielou said:
Blimey. That’s really annoying.jwil said:
Thank you, but it's not my birthday bizarrely! I queried it a few years ago. Apparently I'm in the transition period when the retirement age moves from 67 to 68 so I'll get my pension a few weeks before I turn 68. Flipping annoying really!beanielou said:Happy birthday to you 🧁🍰😍"Good financial planning is about not spending money on things that add no value to your life in order to have more money for the things that do". Eoin McGee1 -
No blooming wonder.jwil said:
It really is! I feel cheated of a year.beanielou said:
Blimey. That’s really annoying.jwil said:
Thank you, but it's not my birthday bizarrely! I queried it a few years ago. Apparently I'm in the transition period when the retirement age moves from 67 to 68 so I'll get my pension a few weeks before I turn 68. Flipping annoying really!beanielou said:Happy birthday to you 🧁🍰😍I am a Forum Ambassador and I support the Forum Team on Mortgage Free Wannabe & Local Money Saving Scotland & Disability Money Matters. If you need any help on those boards, do let me know.Please note that Ambassadors are not moderators. Any post 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 & not the official line of Money Saving Expert.
Lou~ Debt free Wanabe No 55 DF 03/14.**Credit card debt free 30/06/10~** MFW. Finally mortgage free O2/ 2021****
"A large income is the best recipe for happiness I ever heard of" Jane Austen in Mansfield Park.
***Fall down seven times,stand up eight*** ~~Japanese proverb. ***Keep plodding*** Out of debt, out of danger. ***Be the difference.***
One debt remaining. Home improvement loan.2 -
It was my late husbands dream to give up his corporate pressured job and work in B and Q when he retired.Sealed pot challenge 822
Jan - £176.66 :j2 -
There's a lot to be said for doing something that interests you, so I totally understand your husband's dream. I like my job overall, but there's a certain amount of hassle with it and I can't see me being able to go part time without winding up trying to do a full time job in the shorter hours. Once I get to my planned retirement age, I will more than likely try and find something part time that interests me. DH might have the opportunity to do the same. It's mostly about having the choice and freedom to choose, rather than being stuck in a job because we need the money.dawnybabes said:It was my late husbands dream to give up his corporate pressured job and work in B and Q when he retired."Good financial planning is about not spending money on things that add no value to your life in order to have more money for the things that do". Eoin McGee2
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