The Senior Wonder Years!

badmemory

Floss said:

Can I just point out that a section of posters on any / all of the boards are likely to be suffering from illness, whether physical or mental. It is a little judgemental to make sweeping statements about people based on their level of clutter or poor financial management.

To be honest I don't think it is judgemental just realistic.  For example my DS has mental problems, he hoards & if it wasn't for me his savings would still be in his current account.  One of my biggest worries is how he will deal with things when I can't.  I am just hoping (whilst trying to coach him) that it is just a form of inertia which makes him rely on me for things.  I think it is a forlorn hope though.  I had an op last year & whilst I was recovering he was great but after nearly 3 weeks I could see him deteriorating.  It is what it is, there is no point in pretending that everything is fine.

[Deleted User]

Floss said:

Can I just point out that a section of posters on any / all of the boards are likely to be suffering from illness, whether physical or mental. It is a little judgemental to make sweeping statements about people based on their level of clutter or poor financial management.

Nobody has made any sweeping statements. I used the word correlation and nobody has used the word illness. 
I think you are being over sensitive. I worry that when people have an opinion about something that somebody dislikes the phrase judgemental is used.
 
Furthermore, we can all be judgemental. It is a normal part of human behaviour. For example, we all make decisions (consciously or unconsciously) about the types of people we like or want as friends. I certainly do.

Being disorganised and poor at financial management can be the result of illness. In that case help and support can be given to improve the situation, and this includes self-help too. 
However, these things can also come about owing to laziness, lack of care and general disregard for responsibility and consequences.

beanielou

Floss said:

Can I just point out that a section of posters on any / all of the boards are likely to be suffering from illness, whether physical or mental. It is a little judgemental to make sweeping statements about people based on their level of clutter or poor financial management.

100 % agree. We are not all blessed with perfect health be it physical or mental health. 

[Deleted User]

beanielou said:

Floss said:

Can I just point out that a section of posters on any / all of the boards are likely to be suffering from illness, whether physical or mental. It is a little judgemental to make sweeping statements about people based on their level of clutter or poor financial management.

100 % agree. We are not all blessed with perfect health be it physical or mental health. 

I would suggest that very few people are 'blessed with perfect health be it physical or mental health.' . Yet most manage to get by and make the most of things. 
My point is that it is not always health in whatever form that causes problems. 

helensbiggestfan

That must be a worry for you, bad memory.  A very difficult situation.  

I worry about my sister, she's married to a hopeless spendthrift. Before they met she always tended to be somewhat chaotic but she did at least seem to manage her finances ok. However, since she met her husband money slips through their fingers and they just lurch from one financial crisis to another. I can't see my sister being able to retire any time soon, she will work till she drops. 

I have real concerns about her physical health. But, as you say it is what it is. 

 

Somebody

badmemory said:

My ironing board doubles as a rest for my jigsaw board as it is much better for my back.  My iron hasn't left the cupboard since March 2020 the week before lockdown.  

Ah....brings back memories.  SWMBO used the ironing board as a stand up desk during lockdown. 

It doesn't get much use now we no longer don office attire.  Only comes out occasionally when SWMBO does a favour for the boy whose shirts she irons for the occasions when he has to go in to the office.  

helensbiggestfan

I must be weird, I enjoy ironing.  😂.  Can't say the same about cleaning the oven.......

Well I am sorry if my remarks upset anyone but I really don't think anyone on here was being mean or judgemental.  There are many reasons why people fail to manage their finances.

Yes illness can cause problems.  It did in our case.  My husband and I were doing just fine until he became sick.  

Being long term sick costs serious amounts of money. It nearly bankrupted us.  I had to sell our apartment in Spain and even our family home  in the U.K. It has taken me years to rebuild my finances and even then my retirement is not the one I had envisaged but it's fine ........I have enough.  

[Deleted User]

Just over a week ago I applied for my state pension online.

Payment is due from the middle of July. Very simple and painless procedure. I received the figures last Thursday. A very quick turnaround! The amounts are as expected at the moment. 

At the moment I have 46 full years of NI payments that gives a few pounds less than the ‘new’ state pension. Once I am able to pay any outstanding NI contributions for 2023/2024(Year 47) the pension will increase to within a few pence of the maximum. I am very happy about this considering I was contracted out for so many years bring in a public sector pension scheme.

I may have to wait a while to find out the amount owed as I worked for 3 months in the 2023/2024 and it can take a while for the amount owing to be calculated. Sometimes the update is not available until October or November.

I have been told that when I make this voluntary final payment HMRC send a digital update to the DWP who will then adjust my entitlement. I was hoping to get it sorted before July but the timings of my due date make it unlikely. No worries it is what it is.

I hope everyone remembered to put their clocks and watches forward!

Happy Easter!

sonny55

Hi Baron _Dale , I really appreciate and look forward to your postings re state pension.. I’m in recriot of mine since 2022 
like you I was contracted out for many years 
 is It possible to buy the years missing or has that opportunity passed? 

Thanks 

[Deleted User]

sonny55 said:

Hi Baron _Dale , I really appreciate and look forward to your postings re state pension.. I’m in recriot of mine since 2022 
like you I was contracted out for many years 
 is It possible to buy the years missing or has that opportunity passed? 

Thanks 

You may be able to buy some missing years. Check on your government gateway account. 

I just read some of your other posts. I think in your case you could  pay up to the year 2021/2022 if your pension was payable after April 2022 or the year 2020/2021 if pension was due before April 2022. Did you pay those years?