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An in-between phase

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  • Didn't get woken up with horrendous period pains, whoohoo! Have ruined another pair of pants and another sheet but frankly I'll trade that for sleep without agony. Oh the indignities of existence.

    This week's big client job is writing about the budget so I am attempting to be an intelligent person with financial insights. You can tell as I have put my intelligent person with financial insights earrings on.

    A third wussy situps
    Tidying
    Admin
    15 minute carpet walk
    Survey
    Comping

    Ugh apparently the covid vaccine costs minimum 45 quid going up to £90, that's going to have to be sacked right off.
    Will pay for the flu jab with deep resentment and hope for the best

    40 minute walk
    Found 1p and a very sweet little vase that I may give to mum as a stocking gift

    Quick clean at mums

    Work

    10 minute walk dropping off a vinted sale

    Receipt survey

    20 minute walk with Mr PIP for a beer

    Back to work this evening!

    Dinner is leftover purple cottage pie

  • beanielou
    beanielou Posts: 95,351 Ambassador
    Part of the Furniture 10,000 Posts Academoney Grad Mortgage-free Glee!
    I disagree on the COVID jab. £90 is a worthwhile investment in your health. You have enough to deal with on a daily basis. 
    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.
  • redofromstart
    redofromstart Posts: 5,797 Forumite
    Seventh Anniversary 1,000 Posts Photogenic Name Dropper
    edited 30 October 2024 at 7:06PM
    The stuff I read on the beeb earlier said without detail that pension pots will come under inheritance tax from 28. This would have pushed us into probate and intestate share out (depending on how they calculate it. Not seen much pick up on that. 

    Also worth talking about second home stamp duty and the right in wales to triple that and require planning permission which devalues local homes. The main reason why we gave up in wales (although I'm glad we did as it turns out)

    Also as a positive, all the lovely ladies who clean for ten hours a week at minimum wage will finally get employer stamp paid. Always a gross miscarriage that they could have two x 10 hour jobs with two different employers and get no stamp and no pension, no cost to them but a real improvement

    plus the young person rate increasing, again 18-21 year olds doing a cleaning job for example are expected to clean to the same standards as the 66 year old. Utterly wrong to pay them differently.

    Hope this helps - no
    politics, just thoughts.
  • badmemory
    badmemory Posts: 9,525 Forumite
    Ninth Anniversary 1,000 Posts Name Dropper
    I am assuming you can't take the pill.  I can't believe what you go through & 60 years ago this would have been totally unacceptable.  One of my friends aged 16 taken to the doctors because it was keeping her off school was told that she would be alright once she had a baby.  Her mother, a total hero amongst all her friends went ballistic & told the doctor that her daughter was going to university (unusual in those days) and that he needed to sort something out for her today.  He did.  The ingredients were much higher then & I could take it & not have a period for 6 weeks & my sister just used to come off it every 6 months just to make sure everything was alright.
    I think medical science in respect of women has gone backwards.  Can you see any man putting up with this.
  • KajiKita
    KajiKita Posts: 7,439 Forumite
    1,000 Posts Fourth Anniversary Name Dropper Photogenic
    Glad you got some proper sleep 😊
    Agree with Beanie about the Covid jab …
    The idea of financial insights earrings made me smile … 😉

    KK
    As at 15.07.25:
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    Fixed rate 3.85% ends January 2030

    Read 35 books of target 52 in 2025, as @ 13th July
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  • Agree in principle @beanielou but not spending over a week's budget in one go will also bring health benefits!

    Interesting to see your 'highlights' @redofromstart, thanks for sharing. I particularly noted the lack of mention of Waspi justice, despite the chancellor opening the speech shouting out the work and aspirations of women and girls 🙄

    It is just all-round awful @badmemory, I've also been told several times by health professionals that it might help to 'have a baby'. Flabbergasted every time

    Thanks @kajikita, and the earrings have done a lot of hard work 😁
  • badmemory
    badmemory Posts: 9,525 Forumite
    Ninth Anniversary 1,000 Posts Name Dropper
    I had to take iron tablets back then as mine were so heavy.  One optician took advantage of the pre iron days & prescribed glasses.  I didn't actually need glasses for another nearly 40 years.  The these professionals wonder why I don't trust them!!
    As for Waspi justice, well I was in my 30s when that was first announced.  We talked about it round the dinner table because my sister avoided it by days.  I was in the hairdressers when one of them said she was going to have to retire 5 years later & was told no just a couple of months later.  Then one of the ones that was claiming she knew nothing about it had to admit when under oath that well yes she did know.  Frankly back around 1993 to 1995 it was very hard to avoid it was all over the TV too.  As usual with this sort of thing many have jumped on the bandwagon.

  • That's really interesting @badmemory, I'm only more familiar with it in its 'recent' incarnation but however I look at it, it looks like women doing all the essential unpaid work in society then being expected to be good little girls when they're done out of rights and promises. Doesn't even affect me but I am cross on my sisters behalf! 
  • Work

    Tidying
    Admin
    Comping

    Best friend popped round for coffee as she was in the area which was lovely (and free)

    20 minute walk for essentials and used coop members offer for milk

    Entered some competitions, today I'm mostly looking forward to winning 10k and I will also give that English sparkling wine a good home ta

    Managed to find a few more bits that got accepted by ziffit so was able to use their 10% extra code

    Prepped veg for dinner- red pepper, garlic, onion, cheddar, mozzarella on a puree topped puff pastry sheet

    Popped over to mums to put a delivery safe

    Couple of client payments and vinted payment so tax pot, current account, flat pot, Christmas pot shares

    20 minute walk meeting Mr PIP and a couple of friends for a pub catch up

    I am absolutely cream crackered after this week of period and intense work. Still, another day left of the working week tomorrow so must be present and correct for all the competition wins, council progress, and apologies from the hospital trust 😂


  • badmemory
    badmemory Posts: 9,525 Forumite
    Ninth Anniversary 1,000 Posts Name Dropper
    Too many of my age group believed the, my pension will be enough for both of us line.  Then they died or found a younger model, no pension sharing then, I must have had mug written on my forehead, but this was only a couple of years after it became possible to have a private pension.  I didn't have a personal pension until my last job, that is why I worked for an extra 6.5 years.  A few years ago on here there were threads where husbands had died & the widows then found that their husbands had reduced their pension payments so there was no widows pension for them.
    I was lucky that my retirement age was 60 so I deferred my state pension for over 5 years & then saved after that.  We had been working 4 day weeks for some years by then but I was lucky that they allowed me to carry on contributing even though the compulsory retirement age was 65.  Amazing what you can get when no-one else except the MD can do your job.
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