The Retirement Thread

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12boy

12boy

Guru
Location
Casper WY USA
Congratulations Paul. Hope everyone is doing well and you get an opportunity to see your grandchild soon. We will see ours within a fortnight, but there will be no touching or baby holding, I am afraid. Things would have been so different a year ago.
It is sunny and warm today but windy, and after some oatmeal I will venture for a ride to get my wife the weekly paper. Same as yesterday, when I got a few miles in although there were a couple of places where the road shoulder was narrow and the crosswind was trying fairly hard to knock me over or push me into traffic. It didn't and I got a little extra exercise. I like my Brompton in windy weather because it seems less affected by the wind. A lot of people here still refuse to believe Covid is real and refuse to wear masks because they feel it abridges their freedoms. As a result, hospitals in the Dakotas, Idaho, Wyoming and Colorado have already or will soon run out of bedspace and will turn people away to die at home. Unfortunately, it won't be limited to the people who refuse to wear masks, and medical care is not only threatened for Covid patients, but as you folks have mentioned many times, illnesses and accidents still continue as they have before. Sorry for the rant. Grim times.
Take care, be well, suck the juice out of every day and appreciate the people in your lives. I don't mean to be maudlin, but the comradesip I find on this forum means a lot to me.
 
PaulSB

PaulSB

Squire
Location
Chorley, Lancashire
ColinJ said:
I checked... Adequate NI contributions record, and due to get £175.20/week. That, plus my £12/week private pension is almost exactly what I spent last year, so I should be fine.
Click to expand...
Don't forget you will need to apply. It's quick and simple online. Usually you can apply three months in advance but last year when I did mine it had reduced to one month.

If you try at three months you should be told the earliest date you can apply.
 
OP
OP
Dirk

Dirk

If 6 Was 9
Location
Watchet
PaulSB said:
Don't forget you will need to apply. It's quick and simple online. Usually you can apply three months in advance but last year when I did mine it had reduced to one month.

If you try at three months you should be told the earliest date you can apply.
Click to expand...
I applied 3 months ago for mine.
It's surprising how little some folk know about what they are entitled to.
 
Mo1959

Mo1959

Legendary Member
Location
Perthshire,Scotland
Nice walk done. Nice in the sun but as soon as it started to drop you could feel the chill coming down. Supposed to be quite cold tonight.

If you peer, you can just about see a wee bit of snow on the hills. There was more this morning but most disappeared now.


556261
 
Tenkaykev

Tenkaykev

Guru
Location
Poole
Mo1959 said:
Nice walk done. Nice in the sun but as soon as it started to drop you could feel the chill coming down. Supposed to be quite cold tonight.

If you peer, you can just about see a wee bit of snow on the hills. There was more this morning but most disappeared now.


View attachment 556261
Click to expand...

"Ratbag Mo" is going to be my new moniker for you Mo.😉
Just when I think that I've taken a half decent photo of my surroundings, you come up with something outstanding that puts my effort into the shade.
Long may it continue 👍👍
 
E

ebikeerwidnes

Guru
Location
Z’ha’dum
Hmmm - I used to be quite into photography

I should start taking a proper camera out with me

How do people carry them?? - ready to use - or in a bag ??
 
ColinJ

ColinJ

Puzzle game procrastinator!
Location
Todmorden - Yorks/Lancs border
dave r said:
Another one to check out is pension credit, if you haven't got shed loads in the bank and you qualify it will give you a little bit extra each week, get your council tax paid and the dentist and glasses bills paid, I'm on a state pension, have a small private pension, £60 a month, and not a lot in the bank and was able to claim the pension credit.
Click to expand...
I will be in the same boat as you at the start of 2022.

A friend of mine retired last year with very similar circumstances and he got extra because he had hardly anything in the bank. Biggest helps are housing and council tax benefits. That is about £80-90/week here, maybe £100.

I would have no problem living on the state pension, private pension, and most of my housing costs covered. I would have to lead a frugal life, but that is what I do anyway, and I think that is right and proper. IMO, state pension plus benefits should provide for a civilised and comfortable retirement, but no luxuries.
 
D

Deleted member 1258

Guest
ColinJ said:
I will be in the same boat as you at the start of 2022.

A friend of mine retired last year with very similar circumstances and he got extra because he had hardly anything in the bank. Biggest helps are housing and council tax benefits. That is about £80-90/week here, maybe £100.

I would have no problem living on the state pension, private pension, and most of my housing costs covered. I would have to lead a frugal life, but that is what I do anyway, and I think that is right and proper. IMO, state pension plus benefits should provide for a civilised and comfortable retirement, but no luxuries.
Click to expand...

The bigest help for me is having the council tax paid, saves me over a hundred quid a month, our house is in band A.
 
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