Hornetgirl, I am so sad to hear about your friend. Try and remember the happy days. I've been following the story of Jennifer Bell from Glasgow who is such a brave young woman
Someone mentioned early retirement on the old thread, I spend most of my life on retirement calculators and fire websites (did I tell you all just how much I love my job?) so may be able to help with some suggestions. For example I will definitely not be earning and living of savings when the DKs go to uni so they can get the full maintenance loans.
What is the prosecco offer at co-op please? Also, to save me looking, is the £5 off a £15 spend at amex still valid please? I think someone mentioned it finished at the end of Oct.
Financial independence / retire early - it is about putting together a pot of money and /or controlling spending so that if you want to you are in a position to say 'F U' to The Man.
The calculators tell me I could stop working tomorrow and even if the markets match there worst ever performance over the next 45 years as long as the state pension pays out I would have enough to live at my current standard of living until age 95.
Only problem is that assuming average earnings grow at their normal rate I would be falling back relatively each year from above median household income now to probably bottom quartile or lower as the decades passed. It does help me to feel comfortable that if due to recession or ill health I couldn't work again we wouldn't be destitute but it has taken a lot of sacrifice and eliting to get here.
What is the prosecco offer at co-op please? Also, to save me looking, is the £5 off a £15 spend at amex still valid please? I think someone mentioned it finished at the end of Oct.
Use your coop loyalty card and you get a very nice Prosecco for a fiver
What is the prosecco offer at co-op please? Also, to save me looking, is the £5 off a £15 spend at amex still valid please? I think someone mentioned it finished at the end of Oct.
Use your coop loyalty card and you get a very nice Prosecco for a fiver
£4 surely with the £1 off? Unless the member offer has finished?
Prosecco still £5 for members, one per transaction, and if you’ve the £1 off with your app, it brings it down to £4.
Also steak and chips offer for £4.
Sadly I don’t have the money off sugar or tinned tomatoes offer on my app but I do have 50p off tea and I seem to remember that someone said their tea was a good price.
So sorry you missed the Amex £5 off. I did it by the skin of my teeth!
Financial independence / retire early - it is about putting together a pot of money and /or controlling spending so that if you want to you are in a position to say 'F U' to The Man.
The calculators tell me I could stop working tomorrow and even if the markets match there worst ever performance over the next 45 years as long as the state pension pays out I would have enough to live at my current standard of living until age 95.
Only problem is that assuming average earnings grow at their normal rate I would be falling back relatively each year from above median household income now to probably bottom quartile or lower as the decades passed. It does help me to feel comfortable that if due to recession or ill health I couldn't work again we wouldn't be destitute but it has taken a lot of sacrifice and eliting to get here.
There are so many personal factors and of course, the unknown that can’t be calculated. We recently took out a personal injury trust to protect the future of my husbands insurance pay out..... it’s more of a just in case but it also means it’s not easily accessible so a long term plan to avoid it being eroded by needing personal care etc .
Good morning thanks for the drink Roma and thank you for hug mattswife I didn’t think I needed one till it was given. My next acupuncture wasn’t due till next week but my acupuncturist messaged me asking if I would like one before lockdown so I am having a session this afternoon.
Thanks for new thread I love the way people are still excited to get to post on first page