The Retirement Thread
176 watchers
13 Jul
8:26pm, 13 Jul 2024
55,928 posts
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EvilPixie
GG he’s just shown you what’s important to him …. Relaxing time with you on the boat! Can’t do that when working!
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14 Jul
10:14am, 14 Jul 2024
4,391 posts
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NordRunner
A good thing about that a boat is a money pit for maintenance is that many things can be turned into a time pit (i.e., labour-intensive). The way to meet the demands of a time pit is to retire 😀
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14 Jul
12:46pm, 14 Jul 2024
27,069 posts
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Bazoaxe
What should be a simple process of opening a fixed rate cash ISA for some of Mrs axe’s TFC is proving to be more challenging than it should I have tried two different providers so far and have hit unsurmountable issues in their online process with both |
14 Jul
4:20pm, 14 Jul 2024
7,722 posts
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Winniefree
Financial woes here too. I wanted to take out a bank loan to fund a car purchase. Tesco bank, good interest rate and I’d be paying it back very early as we’ve got some savings maturing. No dice - because we are mortgage-free and don’t have any outstanding loans were seen as a risk because there is no guide to our repayment behaviour. Can’t get a loan.
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14 Jul
4:31pm, 14 Jul 2024
42,976 posts
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Ness
Sounds frustrating. Mr Ness regularly uses a credit card for us. Always pays it off each month so we don't incur interest charges but he says it helps keep a credit record. Don't know if it helps too much! 🤷♀️
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14 Jul
4:41pm, 14 Jul 2024
23,206 posts
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geordiegirl
It’s why we got credit cards originally when we knew we’d want a mortgage I had also had a small manageable loan for my car as it showed you were a reliable payer. Absolutely bonkers but seems to be the way. You’d think that you’d paid mortgage off early and have savings you would be a good risk. Love your perspective Pix and yes nordrunner he gets very frustrated that he has to pay someone to do jobs he can do himself if he had time |
14 Jul
4:50pm, 14 Jul 2024
76,656 posts
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Lip Gloss
I was the same. I started with a credit card so I could have a credit rating in my own name. Helped when I needed a mortgage. Always paid it off monthly and used usually for my petrol.
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14 Jul
4:51pm, 14 Jul 2024
32,566 posts
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Rosehip
took me about 5 mins to open a Coventry one online, @Bazoaxe Bazoaxe wrote:
What should be a simple process of opening a fixed rate cash ISA for some of Mrs axe’s TFC is proving to be more challenging than it should I have tried two different providers so far and have hit unsurmountable issues in their online process with both |
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14 Jul
4:54pm, 14 Jul 2024
32,567 posts
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Rosehip
I had got back into the habit of using a credit card for everything and leaving my pension in interest paying account, as tought by dad when credit cards first came out -but then it turned out easier to have a Chase account which pays interest and cashback and doesn't involve moving money to pay a bill each month. must remember to use the cc often enough for them not to cancel it though. |
14 Jul
4:55pm, 14 Jul 2024
32,767 posts
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Johnny Blaze
TSB might be worth a try as well.
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Jigs Useful Links
FE accepts no responsibility for external links. Or anything, really.- Money Helper
- How Much is Enough to Retire On?
- Retirement Living Standards
- How much will you need to retire?
- Free Govt website for pension advice
- SIPP pensions
- ISAs
- Check your National Insurance contributions
- Check your state pension account
- Martin Lewis on pensions
- Support and advice for those widowed under the age of 50
- Power of Attorney information
- Making the most of your retirement
- 20 tips for a happy retirement
- Married Couple's Allowance
- Aviva guide to retirement planning
- U3A
- U3A Local Sites - map
- Make a Power of Attorney
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