Pulling my frugal pants on.

ladybird1106

KK 🤣 I think you’re probably right, but my god it’s green.
love 🐞

ladybird1106

Slowly putting stuff back in the dining room. Trying to see what can be re homed in either someone else’s home, chazzer or the bin. We’ve committed to staying here for another 5 years( contract with council if we move within 5 years we have to reimburse them). So certain things need to go as I suspect by the end of 5 years OH parents will require more support and we won’t move. I have a church pew type boot box that just doesn’t fit anywhere so must get that up for sale. 

Right back to it
love 🐞

KajiKita

ladybird1106 said:

KK 🤣 I think you’re probably right, but my god it’s green.
love 🐞

< crosses fingers fervently for Ladybird that the GREEN calms down! > 😉

If it doesn’t you may just have to do a Stacey Solomon and buy some really big canvases, pour various neutral coloured paints on them, and roll them around a bit, so you can use the end result to cover the walls a bit ….! 😉😂

KK

ladybird1106

Gradually getting dad’s house emptied. Lots of sadmin done , still waiting on one pension and the taxman to get in touch. 

The eldest is coming home for their grandads birthday. Hoping to have a 🔥 tonight outside. We have a lot of confidential letters that need firing.Made 2 different soups to have in mugs with bread.
 Washing is dry thank goodness.
Booked my train tickets for Sunday , saved 90p🤣 by buying off peak tickets. Looking forward to finding out about the course I’m thinking of doing. Just need to find my diploma and my gcse papers. 
 Need a nap in preparation for tonight 🤣.
love 🐞

KajiKita

Where are you going on Sunday? 

Sending woo woo vibes for the certificates’ appearance …. 😉

Enjoy tonight 😊 🔥 

KK

ladybird1106

On Sunday KK, I’m signed up to a university open day as I’m thinking of retraining. Bit apprehensive as I’ve not worked for 18years. To be honest I’m getting a lot of pressure from my mum as she is concerned I don’t have a pension and keeps bringing up I need to return to work. It is something I need to think about but I quite like being at home and value what I do to keep us ticking over as a family. Think I just got cold feet about it as last week I was all fired up with going. 

Love 🐞

KajiKita

Well you don’t have to work full time do you 😊 

Go with an open mind and see if it ‘lights you up’ 😊

KK

LadyWithAPlan

I do think having a decent pension provision is something many women from the previous generations did not have - including bad advice from accountants in my mums case - and so it’s natural for your mum to looo out for you this way. 
I have also seen where friends dads have passed leaving their mum in difficult financial issues due to lack of or drop of pensions.
 
So it is something I have been prioritising since - so if you can work and study  a bit and get your SP years plus extra I do think it’s worthwhile 

great re the Ou 

ladybird1106

LWAP I think you’ve hit the nail on the head. My dad left my mum just as she was finishing her nurses training. It meant she had to work right to the bitter end. Whilst he got to retire at a very early age. She’s very much about self reliance and worries how I would manage if OH passed away. 

Love 🐞

badmemory

I'm with your Mum.  At the very least you should ensure that you have a full state pension & are contibutimg to a personal pension at least the £2880 after tax.  It actually makes more sense for a retired couples income to be shared as it silly for one not to have enough to pay tax & the other having to pay quite a lot.  It is not a lot of fun to be told you don't need your own pension mine is plenty for both of us to then find you have been replaced by a younger model who then "retires" in her early 40s whilst you work on past your state pension age.