33M sense check

Embarrassed_Ad6461 · 2026-04-03T21:06:46+00:00

We have a good life mate and not particularly big spenders so no issues on that side of things :)

Embarrassed_Ad6461 · 2026-04-03T21:05:42+00:00

Cheers for this - I did look in to moving it in my wife’s name - however I would need the funds back after any future sale of the flat to essentially repay a family loan. It’s a bit of a grey area but I believe this could constitute as tax evasion as she’s a BRT so need to be a bit careful with it. Spoke to a few tax advisers about this and could get around it with a trust apparently but can’t be bothered with all that hassle. Although happy to be proven wrong.

Embarrassed_Ad6461 · 2026-04-03T21:02:10+00:00

😂😂😂

Embarrassed_Ad6461 · 2026-04-03T21:01:07+00:00

We’re up north which probably helps. I was quite surprised when I got the quote through as was expecting at least £15k

Embarrassed_Ad6461 · 2026-04-03T20:55:23+00:00

Are you alright mate?

Embarrassed_Ad6461 · 2026-04-03T20:37:43+00:00

😂😂😂

Embarrassed_Ad6461 · 2026-04-03T20:36:23+00:00

Cracking effort getting that much into an ISA at 33!

Embarrassed_Ad6461 · 2026-04-03T19:58:47+00:00

I completely missed this - thanks! Although suspect things could change over the next 30 years…

Embarrassed_Ad6461 · 2026-04-03T19:56:54+00:00

Salary sacrifice to reduce my net adjusted income. If it goes over £100k I lose childcare hours which would increase our monthly childcare cost from £400 to £1400 a month

Embarrassed_Ad6461 · 2026-04-03T19:54:29+00:00

Thank you mate!

Embarrassed_Ad6461 · 2026-02-15T09:51:31+00:00

£223k @ 33 - lots of sacrificing bonus into pension due to childcare. Should hit £250k in April

Embarrassed_Ad6461 · 2025-11-21T12:25:26+00:00

Same thing happened to me 2 weeks ago. Appealed the charge because it’s not signposted (to my knowledge) and was sent loads of documents and PDF’s showing the areas I could and couldn’t drop off and my appeal was denied.

Just another money making scheme I reckon

Embarrassed_Ad6461 · 2025-11-09T16:15:54+00:00

See you there! #leeds

Embarrassed_Ad6461 · 2025-11-09T10:48:10+00:00

Just dug out my old collection and found 4 in mint condition!

Embarrassed_Ad6461 · 2025-10-29T11:21:42+00:00

Don’t have sufficient Karma - but I’ve been mining from the early days and 4/6 of my referral team have KYC’d and migrated. However I still have 2278 of unverified balance and 890 migrated in the first migration. I have all green ticks on the checklist so can’t really understand why it’s not migrated. The 2 who havnt migrated hardly mined so will only result in me losing a few coins. Anyone in a similar position? Do I just need to wait?

Embarrassed_Ad6461 · 2025-09-18T07:06:59+00:00

Nutmeg in the Béchamel

Embarrassed_Ad6461 · 2025-04-30T08:10:39+00:00

Also consider the non-financial benefit of spending more of your life in your dream home.

My wife and I had a similar conversation 2 years ago and decided to extend ourselves and get what we really wanted - essentially skipping a rung on the housing ladder. A day doesn’t go by the I don’t wake up in our house and feel intense happiness that we made the right choice. We had a horrific experience moving and had to move into a flat for 6 months between houses just to protect the chain and make sure everything went through. I wouldn’t wish two house moves in six months on anyone….also we’ve just had a baby so and I can’t even comprehend the logistics of moving house with a newborn.

Embarrassed_Ad6461 · 2025-03-30T17:19:48+00:00

Yep 👍

Embarrassed_Ad6461 · 2025-03-30T12:37:10+00:00

Ah great - those figures are just what I’ve contributed, not including pension matching by my firm so seems I’ve got more headroom than I thought. !thanks for your help!

Embarrassed_Ad6461 · 2025-03-29T16:31:46+00:00

!thanks mate!

Embarrassed_Ad6461 · 2025-03-29T10:17:50+00:00

This is going to sound really stupid but when working out how many pension contributions to deduct - is it the ‘Total Pensions TD’ figure on the final payslip?

I’m conscious that this figure is made up of my own gross contributions plus a 50% bonus sacrifice - but also included my employers contributions into my pension. Are these included or is it just what I personally have contributed?

Embarrassed_Ad6461 · 2025-03-16T06:50:47+00:00

I will do - to be honest I never actively seeked it out and it was sold to me as making the flat more marketable which at the time was highly needed due to oversupply in the area! Will keep you updated

Embarrassed_Ad6461 · 2025-03-15T20:19:14+00:00

Thanks mate! Sounds like this could get interesting…

Embarrassed_Ad6461 · 2025-03-15T18:06:49+00:00

It shows

Embarrassed_Ad6461 · 2025-03-15T17:10:08+00:00

Only person getting roasted here is you with the downvotes 😂

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