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Nov 2020
10:44am, 23 Nov 2020
35,209 posts
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Hills of Death (HOD)
I think work especially my work is a cause of my stress/anxiety. I've spent many years trying to progress and hitting brick walls/red tape. The fact that I'm well paid and not overworked isn't as 'good' as it sounds.
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Nov 2020
11:00am, 23 Nov 2020
20,485 posts
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EvilPixie
we've been mortgage free for 10 years thanks to luck and inheritance
Hubby thinks 10K a year would keep him happy and hopes to quit in Jan 23 after his 55 birthday. I think I would go part time for a bit at least.
I've done the stressful jobs and now do a boring job with ok but not great pay.
If I am brutal well Great Gran is now 99 and won't last much longer - money will bypass kids as they "have enough" so will come straight to the grandchildren. As she lives in Berkshire house prices are high but that will probably mean inheritance tax too
Covid has massively reduced my spending (no idea what I used to waste it on!) so I know I can live off a lot less too which makes planning easier. My 7 years in teaching has resulted in a better pension than my 20+ years of private pension.
Can anyone recommend the best thing to do to collate pensions and review? We have Scottish Widows privately and a few work pension scraps
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Nov 2020
11:07am, 23 Nov 2020
35,212 posts
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Hills of Death (HOD)
Would it be race entries 
I think I have some disposable cash now which I use for Overpaying my 'divorced' induced mortgage.
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Nov 2020
11:08am, 23 Nov 2020
7,305 posts
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Fragile Do Not Bend
You really need an independent financial advisor EP, a decision to keep or cash in pensions depends on so many things.
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Nov 2020
11:11am, 23 Nov 2020
20,486 posts
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EvilPixie
that's what I was thinking Fragile
HoD worryingly no!
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Nov 2020
11:19am, 23 Nov 2020
35,216 posts
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Hills of Death (HOD)
I know I endulged in Designer gear which a friend gets cheap so I've stopped doing that I think I have enough now.
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Nov 2020
11:20am, 23 Nov 2020
20,487 posts
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EvilPixie
I have save petrol but must have popped into tesco more than I thought!
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Nov 2020
11:48am, 23 Nov 2020
24,174 posts
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Johnny Blaze
If you get an ifa
Get one who works for a flat fee
Check out the cars in the car park
My IFA had a Bentley with personalised numberplates. I followed some of his recommendations but I did not hand control of my pensions to him for an annual % - that's what keeps him in Bentleys.
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Nov 2020
11:57am, 23 Nov 2020
20,488 posts
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EvilPixie
you mind reader JB that was my next question! How to find a good one
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Nov 2020
12:39pm, 23 Nov 2020
49,973 posts
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Velociraptor
Last night I received a text and email indicating that my workload may be changing in a way I don't like w.e.f. today. I'm about to head into my workplace with my pension application forms, which my opposite number has agreed to witness. I did all the sums again last night just for reassurance. We'll be OK. No Bentleys, but we should be able to afford both food and heating.
I don't expect any inheritance. I didn't get anything (there wasn't anything) when my grandparents passed, and I think it's likely that my parents will live another 10 years or more (they were quite young when I was born) and decide to bypass my sibling and me in favour of their grandchildren. eL Bee! should inherit enough from his father to replace his current income for a few years if everything goes to shit in his workplace.
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Synge 