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Progress not Perfection

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  • badmemory
    badmemory Posts: 9,775 Forumite
    Ninth Anniversary 1,000 Posts Name Dropper
    Just what was it they used to do with dogs that kept having accidents.
  • Willowtree222
    Willowtree222 Posts: 8,238 Forumite
    Part of the Furniture 1,000 Posts Photogenic Name Dropper
    Glad you had a lovely day and sorry it didn't start so great for you. 
    X
    September 2017 Debt = £25330

    Starting afresh.

    You can do anything if you put your mind to it. x
  • PennysIntoPounds
    PennysIntoPounds Posts: 4,481 Forumite
    1,000 Posts Second Anniversary Photogenic Name Dropper
    Glad you had a good day, the G&T was definitely well earned after the start of it! Do you think annoyance at that was why your friends detected there might be something bothering you? 
  • Willowtree222
    Willowtree222 Posts: 8,238 Forumite
    Part of the Furniture 1,000 Posts Photogenic Name Dropper
    I know that feeling. 9pm and I'm in bed x
    September 2017 Debt = £25330

    Starting afresh.

    You can do anything if you put your mind to it. x
  • jwil
    jwil Posts: 22,104 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Glad you had a nice day with your friends.

    With your pension, if it's a DB and it's your 'normal' retirement age according to the scheme, is it worth checking whether it's worth taking it now anyway?  How much extra would you get for deferring it an extra couple of years, and how long would it take to recover the money you would have got by taking it this year?  Just thinking you could start taking it, squirrel it away into a spare savings account, and have a little fun pot for yourself when you do retire.  You could then re-add it to the household budget when you officially retire.
    "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 McGee
  • Sun_Addict
    Sun_Addict Posts: 24,157 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    jwil said:
    Glad you had a nice day with your friends.

    With your pension, if it's a DB and it's your 'normal' retirement age according to the scheme, is it worth checking whether it's worth taking it now anyway?  How much extra would you get for deferring it an extra couple of years, and how long would it take to recover the money you would have got by taking it this year?  Just thinking you could start taking it, squirrel it away into a spare savings account, and have a little fun pot for yourself when you do retire.  You could then re-add it to the household budget when you officially retire.
    Thanks for that. I will check although I’m pretty certain it’s contribution based. Might be worth seeing if I can get a tax free lump sum at least. 
    I get knocked down but I get up again (Chumbawamba, Tubthumping)
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