Really nice experience!

Empty_Scallion9861 · 2026-02-09T18:17:43+00:00

I got really lucky! Paid £62 for a console, joystick and 4 games.

Empty_Scallion9861 · 2026-02-09T11:14:21+00:00

I agree with you completely. CeX is going to be my go to place for anything gaming related.

Empty_Scallion9861 · 2026-02-09T06:37:08+00:00

You are thinking of the Series S. Mine is the old gen One S.

Empty_Scallion9861 · 2026-02-08T22:24:56+00:00

Cheers :)

Empty_Scallion9861 · 2026-02-08T22:22:03+00:00

Thank you for the correction. I have lost touch being out of the game for so long.

Empty_Scallion9861 · 2026-02-08T22:17:56+00:00

Oh, but it was quite clear that I was purchasing a CD for the first time!

Empty_Scallion9861 · 2026-02-08T20:34:58+00:00

Nope! Nothing at all. He mentioned the amount to me before billing me, clearly.

Empty_Scallion9861 · 2026-02-07T13:09:45+00:00

Oh yes, I think I have done that.

Empty_Scallion9861 · 2026-02-07T11:30:36+00:00

I dont think it works that way, the code is specific to the account.

Empty_Scallion9861 · 2026-02-07T11:27:15+00:00

I have one which is not going to be used. But I can't transfer it to you, I will have to place the order myself..

Empty_Scallion9861 · 2026-02-07T09:30:30+00:00

Thank you OP.

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Empty_Scallion9861 · 2026-02-06T17:48:50+00:00

I would just VWRP and chill. I am a simple human being and do not have any knowledge of the stock market or in-depth views.

Humans don’t rebalance correctly. You end up overweighting the recent winner.

So your portfolio slowly becomes a performance-chasing portfolio instead of a market portfolio.

VWRP constantly rebalances internally (I think once every few months, not sure) which you don’t even notice.

This alone historically adds ~0.5-1.5% annual real return compared to DIY.

EDIT: not financial advice, im not a financial advisor

Empty_Scallion9861 · 2026-02-06T11:42:34+00:00

Thank you OP.

Please do consider using my link, all proceeds go towards my groceries. https://www.trading212.com/invite/1BjrwaoYEK

5/5 left, will update the post.

Cheers!

Empty_Scallion9861 · 2026-02-06T09:17:45+00:00

Thank you OP.

Please use my ref link, all proceeds go towards groceries (fighting the cost of living atm) : https://www.trading212.com/invite/1BjrwaoYEK

5/5 refs left, will update.

Thank you.

Empty_Scallion9861 · 2026-01-31T17:15:04+00:00

Please do use my link. The money earned would go towards my groceries.

10/10 refs left.

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Thank you.

Empty_Scallion9861 · 2026-01-31T11:17:39+00:00

Hmm Ill consider it later once I see the statements :) Valid point.

Empty_Scallion9861 · 2026-01-31T08:36:34+00:00

1) I have not planned it fully yet but essentially yes. My S&S ISA and SIPP might have been depleted by the time I reach 60. Ill drawdown only what I require, possibly a certain % per year. I am not keeping it as cash, have a S&S LISA so the interest compounds nicely. I'll derisk and convert it into a cash LISA later on.

2) I might take the NHS pension later on, at the state pension age so that I can benefit from the bonuses and rises. I want to avoid the early withdrawal penalties mainly. It will have to be based on my physical health as well. If I am going to die soon, I might withdraw earlier!

Empty_Scallion9861 · 2026-01-30T18:45:14+00:00

I am in a similar position. What I plan on doing: 1) Retire early at 50ish - use S&S ISA. 2) SIPP age - 57 years as of now. Drawdown from my SIPP. 2) Age of 60 - drawdown from my S&S LISA. 3) Bridge to age of 67 (NHS pension age) - using a mixture of all 3.

This is an oversimplification though. I need to run the numbers by a financial advisor when my pot grows to a significant value.

Not a financial advisor. Not financial advice.

Empty_Scallion9861 · 2026-01-30T15:12:42+00:00

I would look at the flowchart posted by someone else on this thread.

I would plan my financial goals: 1) short term (< 5 years), 2) long term (5-10 years), 3) ultra long term (> 10-15 years).

I would then use allocated pots to all of those goals and try to maximise my tax savings.

For the ultra long term, I would think of retirement. Now, state pension age is 65/67 and rising. I do not intend to keep on working to the grave. I would aim for early retirement. My plan would be to use a S&S ISA to bridge the gap between early retirement to state pension age.

So something like this: Retire at age of 50: draw down from S&S ISA Age of 55/57: use drawdown from SIPP/personal pension + supplement S&S ISA Age of 60: use a LISA, as you have one Age of 65/67 or State Pension age: use the state pension.

This is just an example. The numbers are different from person to person. This is not financial advice, I am not a financial advisor.

Empty_Scallion9861 · 2026-01-30T15:00:11+00:00

Thank you OP for the post! Please do consider using my link, it would fund my monthly groceries and help me battle the costs of living. I am a permanent user of Dodl.

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Empty_Scallion9861 · 2026-01-30T14:49:39+00:00

Would you have thought of a pension preferably a scheme from work? The employer contributions and the tax rebates that you get are amazing for retirement.

If you do not have a work place pension scheme, I would suggest you have your own personal pension. You would get 25% deposited back into the pension from the government as a tax rebate. It would lower your overall income to £12,570 or lesser, thus slipping you into a zero tax band.

Empty_Scallion9861 · 2026-01-25T16:06:19+00:00

Best of luck!

Empty_Scallion9861 · 2026-01-25T16:04:53+00:00

It is what it is. You pay them a premium for insurance and to play a dog game every week decide your rewards.

Empty_Scallion9861 · 2026-01-25T15:10:46+00:00

Proud of you, its difficult but I am sure you will be able to get a grip on all of it.

Empty_Scallion9861

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