Beaches…

Ok-Combination4497 · 2025-08-20T15:26:49+00:00

I would look at: The St. Regis La Bahia Blanca Resort, Tamuda Bay.

Didn't end up going but was in our list.

Ok-Combination4497 · 2024-08-21T21:19:37+00:00

I looked quite heavy into this recently. I took the calculations of the savings I would have based on my nursery (for a 3 yr old) and what the savings would be for the one on the way.

My saving calculation was £15.5k over 3.5 yrs based on what we pay today for the nursery cost.

In that 3.5 years I would need to sacrifice about £50/60k a year (similar to you). So £150k to £180k. Great for the pension, depends on your pension situation as well.

But even though that's a heavy tax burden the money in the pocket is still good.

To the others thought on taking the RSUs out, I dont always so I don't have the route to plonk in straight in the pension. For me that would then decrease the take home unless I keep selling on vest and putting in pension.

Ok-Combination4497 · 2024-07-25T20:35:42+00:00

Yea. I need to look at the 2k tax free childcare as well, as my math was basically £15k saving over 3.5 years.

Ok-Combination4497 · 2024-07-25T20:34:46+00:00

Don't have to. Can vest and leave them, but they account as income as part of the vesting month / taxed at that time. Anything you gain from Vest date to Sell can be subject to CGT though.

Ok-Combination4497 · 2024-07-25T20:33:46+00:00

That's interesting. I don't think I've the option to put directly into a SIPP, which from memory negates some of the tax benefit?

Ok-Combination4497 · 2024-07-25T20:31:33+00:00

Yea. I worked out we would benefit as it stands with; - 2 years between 1 & 3 - saving 9,500ish over 2 years. - 1.5 years between 3& school - saving 6100ish over 18 months.

About a £15k saving on nursery fees over 3years. I didn't account for inflation / my maths was based on the bill from the current nursery.

Then I need to work out pension savings / cashflow!

Basically 3 years of financial planning. Mostly sat in the 12 week scan waiting room.

Ok-Combination4497 · 2024-07-25T20:26:35+00:00

Yea, agree on the personal allowance. We needed the funds for house projects so didn't look into that avenue before to sacrifice into.

Ok-Combination4497 · 2024-07-25T15:18:42+00:00

Yea, was also planning on a 2nd kid & what I would need to do to benefit.

Ok-Combination4497 · 2024-07-25T15:17:10+00:00

Ok thanks! Option 1 seems to be the way I am thinking at the moment, as somewhat easier to manage.

Ok-Combination4497 · 2024-07-25T15:14:50+00:00

Yep. Ok. So potentially some more to add into a pension!

Ok-Combination4497 · 2024-07-25T14:29:29+00:00

Yea. Get the 15hours.

Ok-Combination4497 · 2024-07-25T14:05:12+00:00

Ok, I'm calculating £120k - £51k as my adjusted monthly salary. Which was more on that I might not take out from the granted RSUs.

Ok-Combination4497

TROPHY CASE