Watty's Awakening

Suffolk_lass

https://forums.moneysavingexpert.com/discussion/comment/82044668#Comment_82044668

One of the things to consider when you talk about amalgamating pension pots is whether all of those you lump together are going to do the same thing, like buy an annuity (income) or whether drawing down (eg tax free lump sum) is in your plans. Also whether you will have an income outside these, going forward, and if so, will that contribute to a pension pot.

You could consider ring fencing certain pots to drawn down cash (we did, to pay off the last of our mortgage) and if so, are there years between when you can first draw down cash without financial penalty, and the tax year within which you will start to get a state pension (and is that state pension the maximum you can make it to get 100% - look at the gap, if not) - we spread out our drawdown of Mr Sl's DC pot so that we minimised the tax he was paying. His only occupational pension was under the tax threshold, so smoothing it worked for us.

Obviously just things to consider, not advice @greenbee

greenbee

Thanks @Suffolk_lass (sorry for the hijack @Watty1). I need to remember to sign on for JSA tomorrow as today is my last day of employment and I need to make sure I get my NICs!

Slinky

https://forums.moneysavingexpert.com/discussion/comment/82045101#Comment_82045101

Here it is. 90 minutes

https://www.itv.com/watch/the-martin-lewis-money-show-live/2a1827/2a1827a0139

Watty1

hijack away @greenbee all pension chat of interest at the moment as both VNM and I need to review this and @Slinky thank you for the link. I will put that on our weekend watching.

Watty1

Goodness it is hot here today! Went into local town to renew driving licence and organise a new passport then dropped two bags off at the charity shop, some hardback books, a fleece, a winter coat (I've been meaning to drop those off for months) and a very lovely cotton jumpsuit they will probably sell easily this afternoon.

It was perfect for summer but I realised just doesn't fit my life - struggling in and out of a jumpsuit at a rural event in a portaloo is just not a pleasant experience. 'nuff said.

That is three things ticked off the to do list, and, during work time too. The passport is really just because I've realised proving identity is becoming increasingly hard and the VNM and I chatted and decided the easiest way was just to get passports and those with our driving licences will do. The post office computer was running so slowly that I had a lovely chat with the assistant so it was a nice experience despite the spends required.

WelshmansDaughter

Jumpsuits seem like such a great idea, one outfit no need to match anything... Then you try to go to the loo and it's game over.

beanielou

https://forums.moneysavingexpert.com/discussion/comment/82046677#Comment_82046677

Absolutely not. Just think top down instead of bottom down!

Slinky

https://forums.moneysavingexpert.com/discussion/comment/82046858#Comment_82046858

It's trying to keep everything off the usual grotty floor which is the difficulty.

daisy_1571

agreed, trying to keep the crotch from touching the scabby toilet, sleeves either flopping on the floor or in the toilet if one falls out the complicated folding and holding you had to do, hems usually on the floor too (unless you were in the 80s when trousers/jumpsuits had handy elasticated ankles or drawstring ankle hems 😎) then you need a fifth arm to find the tp on the shelf behind you 😰.

Combine the jumpsuit with a 'body' and you might as well go home at first sign of needing a wee 🤣😂 dancing about in a tiny cubicle trying to catch hold of a warm (sorry I have to - moist 😂) back half gusset and affix it, via 3 tiny buttons and button holes or poppers, to the front half after a couple of pints of pink panther 🤣

Slinky

https://forums.moneysavingexpert.com/discussion/comment/82046902#Comment_82046902

😅that's bringing back some memories I'd rather forget…..