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  • FIRST POST
    • edinburgher
    • By edinburgher 2nd May 14, 3:58 PM
    • 11,124Posts
    • 59,707Thanks
    edinburgher
    Only freedom will do
    • #1
    • 2nd May 14, 3:58 PM
    Only freedom will do 2nd May 14 at 3:58 PM
    It has come to my attention that I have been here for a very long time

    I joined these forums in a dim and distant past, where money was my enemy and the weight of my student debts left me crushed and panicked, unable to picture a future where I would be able to get a debit card (never mind a mortgage).

    5 years later and the milestones of marriage, first home and first car have come and gone. Throughout it all, I have had a creeping feeling that something wasnít quite right. I donít get the world of work, and while Iíve never been unemployed in my adult life, Iíve tried too hard to try my hand at too many things and Iím left feeling like Iím an actor who recognises the play, but does not understand his motivation.

    As some of you will know, I have experienced some real heartache of late. Your messages of support and hope have been so touching and in many cases, I have got more comfort from anonymous individuals who took the time to get in touch than people I know in the Ďrealí world.

    While money would have done nothing to prevent it, the luxury of savings and our hard work over the years meant that we were in a position to make the right decisions and take our time with our next steps. Returning to work has been a real blow and without sounding even more melodramatic, I donít think Iíd realised just how damaging I find the merry-go-round of rote work, office politics and bureaucracy.

    It wonít do, I canít believe that this is as good as it gets and to quote one of my favourite singers ĎWe can always build a world better than thisí.

    From this point on, I plan to dedicate myself to achieving financial independence. Not MFW, but freedom from all the nonsense that we go through to just to pay for a pile of bricks and a few years of leisure at the end of our span.

    Hopefully you can join me for the journey
Page 286
    • edinburgher
    • By edinburgher 5th Jul 17, 9:31 PM
    • 11,124 Posts
    • 59,707 Thanks
    edinburgher
    Unfortunately I've been told they only accept transfers in from other public sector schemes, which is a bit pants. That said, I'm going to have to use LGPS/SIPP/ISA ladder to allow me to retire before 58 in any case
    • Karmacat
    • By Karmacat 6th Jul 17, 9:44 AM
    • 29,212 Posts
    • 166,853 Thanks
    Karmacat
    Without meaning to sound defeatist, the career average pension provided by the new job will be plenty to meet our expectations in retirement, so no need to earn megabucks!
    Originally posted by edinburgher
    That's not defeatist, that's working smart
    Save
    Retired August 2016
    • themadvix
    • By themadvix 6th Jul 17, 10:38 AM
    • 1,663 Posts
    • 9,692 Thanks
    themadvix
    Just catching up - congrats on the new job!
    OPs 2017 = £3103
    S&S ISA 2017 = £626
    OPs 2016 = £6142.12
    Starting balance 2012: £132000; balance Dec 2017: £96,822
    MFW2017 no. 38
    • Suffolk lass
    • By Suffolk lass 6th Jul 17, 7:03 PM
    • 1,975 Posts
    • 20,648 Thanks
    Suffolk lass
    I think I remember you saying you had another db pension that was associated with a previous employment. I have it in my head that it was CS-like. I think you would want to keep that separate anyway as it will be accruing growth through whatever annual inflator they use, whereas if you transfer it in you will set its' withdrawal date to age 68 (ugh) - several people in my scheme opted out and back in again a month later so although they have had their salaries capped since 2010 (max 1% pa) their pension has been increasing faster. If people don't think they will get promoted it's a good way of preserving their benefits under their scheme rules (age for instance) and growing it. As most public sector pensions have changed from final salary to career average for people your age, this is another benefit worth preserving, I think.
    MFiT T4 #2 update 88.72% after Q9 tiny bit ahead of where I should be
    Save £12k in 2018 #53 - after March 19.96% £1,996.19/£10,000 5.04% behind
    OS Grocery Challenge 2018 spent £721.33/£3,000 including stores so far 24.04% of my annual budget at the end of April
    My DFD is here
    • edinburgher
    • By edinburgher 7th Jul 17, 11:18 AM
    • 11,124 Posts
    • 59,707 Thanks
    edinburgher
    Thanks Suffolk Lass - I think your points are all spot on. For once, the wonderful realisation is that everything is exactly fine just the way it is

    Retirement is going to be messy - 5+ pensions and an ISA

    DD currently napping after an hour being mental in the pool, a skip turned up at 07:30 this morning so that I can clear out the garage and I have 10 hour cider braised pulled pork cooking in the oven

    Mr S is my new bargain spot. I got 2.5kg pork shoulder, 8 quarter pounders, 1.6kg of 97% meat sausages, 0.5kg of turkey breast and 0.5kg of turkey mince for a tenner

    Just updating some spreadsheets just now and waiting for the to kick in.

    £1.23 OPed and I ordered a bargain copy of 'Sapiens', a book that has been getting recommended by lots of bloggers who are much smarter than me
    • Karmacat
    • By Karmacat 7th Jul 17, 11:48 AM
    • 29,212 Posts
    • 166,853 Thanks
    Karmacat
    That looks a goooooooooood book! Puts me in mind of the anthropology third of my degree, way back when. Though there've been so many discoveries since then, as well as wonderful theoreticians - enjoy!
    Retired August 2016
    • edinburgher
    • By edinburgher 8th Jul 17, 9:51 AM
    • 11,124 Posts
    • 59,707 Thanks
    edinburgher
    £1.03 OPed - exciting stuff

    Off to watch the rest of the Lions final test, then tidy up, then fill some of the skip, then family visit, then family BBQ
    • Suffolk lass
    • By Suffolk lass 8th Jul 17, 10:10 AM
    • 1,975 Posts
    • 20,648 Thanks
    Suffolk lass
    A nice relaxing day then...
    MFiT T4 #2 update 88.72% after Q9 tiny bit ahead of where I should be
    Save £12k in 2018 #53 - after March 19.96% £1,996.19/£10,000 5.04% behind
    OS Grocery Challenge 2018 spent £721.33/£3,000 including stores so far 24.04% of my annual budget at the end of April
    My DFD is here
    • edinburgher
    • By edinburgher 8th Jul 17, 1:04 PM
    • 11,124 Posts
    • 59,707 Thanks
    edinburgher
    Not too bad - skip filling has been postponed to this evening and sure SIL will fancy a bit of baby wrangling - leaving a chance to relax
    • edinburgher
    • By edinburgher 9th Jul 17, 1:09 PM
    • 11,124 Posts
    • 59,707 Thanks
    edinburgher
    £2 OPed, skip filling finished and garage is now 2/3 empty

    Mrs E wants to go to Ike@
    • edinburgher
    • By edinburgher 9th Jul 17, 5:38 PM
    • 11,124 Posts
    • 59,707 Thanks
    edinburgher
    Ike@ was typically horrible. New bed frame + wardrobe + chest of drawers is looking like it will cost c. £1,000

    DD was gifted a large cuddly German shepherd, she is such a spoiled only child, but she is happy, affectionate and lovely

    Also - frabjous day! She said 'poo' for the first time in her beautiful little musical voice
    • Suffolk lass
    • By Suffolk lass 9th Jul 17, 6:40 PM
    • 1,975 Posts
    • 20,648 Thanks
    Suffolk lass
    Ike@ was typically horrible. New bed frame + wardrobe + chest of drawers is looking like it will cost c. £1,000

    DD was gifted a large cuddly German shepherd, she is such a spoiled only child, but she is happy, affectionate and lovely

    Also - frabjous day! She said 'poo' for the first time in her beautiful little musical voice
    Originally posted by edinburgher
    I used to think their first words were always Dada but my Son's was "Beer". He was sitting on the bar at the Hockey Club and he pointed and said beer, so it was in the knowledge that that was what it was. He then said virtually nothing else for about 9 months, and then started talking in funny little sentences
    MFiT T4 #2 update 88.72% after Q9 tiny bit ahead of where I should be
    Save £12k in 2018 #53 - after March 19.96% £1,996.19/£10,000 5.04% behind
    OS Grocery Challenge 2018 spent £721.33/£3,000 including stores so far 24.04% of my annual budget at the end of April
    My DFD is here
    • shangaijimmy
    • By shangaijimmy 9th Jul 17, 8:40 PM
    • 2,719 Posts
    • 13,386 Thanks
    shangaijimmy
    DD is 16month old and is fully fluent with the dogs name and 'doggy' to every one she sees!
    MFW: Turning June 2036 into March 2025... 38//120 Payments Challenge, Diary Reduction £40,984.38
    Aug 2009: £163,051 // Current: £95,015.63 // Avg Daily Interest £4.27
    MFiT-T4 #8 - 74.24% of £41,000
    • Karmacat
    • By Karmacat 10th Jul 17, 9:05 AM
    • 29,212 Posts
    • 166,853 Thanks
    Karmacat
    That's blissful, Ed (and everyone else's too)
    Retired August 2016
    • edinburgher
    • By edinburgher 10th Jul 17, 12:36 PM
    • 11,124 Posts
    • 59,707 Thanks
    edinburgher
    Ah - dogs are 'uff uffs' in our house

    Think DD may have fully cut her last tooth, she slept through last night for the first time in months.

    £2 OPed, skip being collected, plasterer confirmed for the weekend and I'm going to start breaking down furniture this evening. No rest for the wicked!
    • Suffolk lass
    • By Suffolk lass 10th Jul 17, 1:05 PM
    • 1,975 Posts
    • 20,648 Thanks
    Suffolk lass
    I loved "rinsets " (insects) and "pippins" (fromage frais - and no, we don't know either)
    MFiT T4 #2 update 88.72% after Q9 tiny bit ahead of where I should be
    Save £12k in 2018 #53 - after March 19.96% £1,996.19/£10,000 5.04% behind
    OS Grocery Challenge 2018 spent £721.33/£3,000 including stores so far 24.04% of my annual budget at the end of April
    My DFD is here
    • earthgirl
    • By earthgirl 10th Jul 17, 7:15 PM
    • 1,997 Posts
    • 22,370 Thanks
    earthgirl
    We loved drinkamelon for watermelon (as a drink and water were interchangeable. We still call in drinkamelon! Not a first word though, that was dada both times.
    15/5/12 Paid off Mortgage 1 (£220k) Dec 13 - £116,508 Bought Dream House Dec 14 - £94, 402 (£22,106 offset in 2014) Jan 16 - £67, 852 (£26,550 offset in 2015) Dec 16 - £33,529 ( £34,323offset in 2016)
    Jan 17 - £39, 773 (Re-estimation of endowments )
    Sept 17 £22,619 Jan 18 - £11,687 Mar 18 -£8524
    Kids savings 13,578/36k
    • stepuptothepl8
    • By stepuptothepl8 10th Jul 17, 7:21 PM
    • 869 Posts
    • 4,331 Thanks
    stepuptothepl8
    We had pssgetti (spaghetti) up until fairly recently.. she's 13 now
    LBM 1st Feb 2015 £16208 to go
    my diary: time to step up to the plate. SPC#503
    • edinburgher
    • By edinburgher 10th Jul 17, 8:54 PM
    • 11,124 Posts
    • 59,707 Thanks
    edinburgher
    I am loving all the baby talk

    Today's MSE bargain was £23 of beef roasting joints reduced to £6.50
    • Brodiebobs
    • By Brodiebobs 10th Jul 17, 9:53 PM
    • 771 Posts
    • 3,288 Thanks
    Brodiebobs
    Words definately stick, after a rather infuriating conversation about fruit eaten at childminders we still have 'airy heggs' (kiwi's-as in hairy eggs) 5+ years on
    Addicted to MSE.
    Overpaying mortgage for a better debt free life!
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