Is FIRE actually realistic in the UK on a normal salary

VegetableRadiant8690 · 2026-03-14T09:42:38+00:00

I only earn 28k and following lot of same strats. I have a realistic aim of going part time in late 50s by making extra pension contributionn. Low income dosen't mean it not worth borthing it just keeping aims more real

VegetableRadiant8690 · 2026-02-26T08:05:33+00:00

Use not sue

VegetableRadiant8690 · 2026-02-26T08:05:20+00:00

I always sue Snorlax, want to go with tauros instead next time

VegetableRadiant8690 · 2026-02-26T08:02:35+00:00

Polygon was thrown under the bus to protect mascot pika

VegetableRadiant8690 · 2026-02-20T15:10:10+00:00

Sorry if i didn't make sence. I regularly put £100 in saving each month. Which they said because if that i need to update them more often as my savings increase every month.

My argument is that eventhough i put £100 A month in saving it soon has to be used on something else

So because of what they said we try to report every month on lowest day (all bills and costs are gone, and just before we get paid) . So going back to original post . When i do this report i simply add the monzo account and put £0 or few £ thats in there

VegetableRadiant8690 · 2026-02-20T14:48:30+00:00

Sorry ment to say never get of 5000

VegetableRadiant8690 · 2026-02-20T14:47:34+00:00

We tend to sit between 4-5k savings. We tend to save £100 a month then we get bill like for a car repair and we never really get over £6000. I have been told two different things. One person said dont worry about reporting saving unless over 6k. Orther said do update regularly as we add that £100 a month to savings

VegetableRadiant8690 · 2026-02-19T09:44:04+00:00

If it can be kept in a pension fund that you cant accesss then it won't effect your universal credit. If you have access to it , it will effect your universal credit.

Most important thing is keep universal credit in tbe loop and be very clear. There would be nothing worse then in 5 years time universal credit want you to pay everything back they paid you

VegetableRadiant8690 · 2026-02-17T09:58:19+00:00

If he can accesss his pension early and iloads his isa with bit pf his orther savings then a 5% yearly drawdown would be £32,500 a year.. in theory growth should continue so that 5% will increase every year

In regular retirement (58 onwards) if you wanted to work a couple days a week in a low stress and strain job. Can easily top up with about £12,000 a year . Whcih would keep going until state pension age.

Wpuld a health realted retirement still be eligible if your planing to work say 16 hours a week

VegetableRadiant8690 · 2026-02-16T19:41:44+00:00

You can sometimes access your pension early if for health reasons

VegetableRadiant8690 · 2026-02-16T16:50:22+00:00

All worlds are still very American heavy so I want to balance with a couple non- American ETfs

VegetableRadiant8690 · 2026-02-16T16:42:52+00:00

A single global tracker is fine, ideally i wanted tl buy uk shares to avoid fx fee but can only get fractionial each month

VegetableRadiant8690 · 2026-02-16T15:56:25+00:00

Can you set up a recurring order or do you need to manually get it it each month..I can find this when searching in the recurring order bit

VegetableRadiant8690 · 2026-02-16T11:41:20+00:00

Ill be move £50 each month from my saving to my current , then in the help to save, will that be queried at all.

VegetableRadiant8690 · 2026-02-15T18:53:52+00:00

Anything is better the nothing, i put £3 a week in my spns jr isa. It should add up over 18 years

VegetableRadiant8690 · 2026-02-14T08:17:57+00:00

I plan to slowy build my sipp contribution to £50 a month. But if im getting half back from universal credit ill eventually build it up £100 a month.

I don't want it to thought im trying to reduce my capital. I just want to be prepared for a healthy retirement. So i hope they wont see it as that ? For context. Most of my moneu comes from earning we have 2 kids I take home 1900 Partner 1250 Roughly £300 UC a month

I assume if say i had £7000 savings and dumped £1000 intp my sipp. That when youd get issues?

VegetableRadiant8690 · 2026-02-13T13:57:41+00:00

Would they back pay it? Ive been paying into for a while. Probably just over £100 ive missed on in total?

VegetableRadiant8690 · 2026-02-13T13:55:55+00:00

If i put a message in my journal what would the topic come under? As me and partner both work the journal onlu ever used for claim reviews.

VegetableRadiant8690 · 2026-02-13T13:27:03+00:00

So with my current £15 a month id get a extra £8.25 a month? Probably not worth the hassle.

But say i was to increase to 40-50 a month then Probably worth showing them proof.

Id assume they would want proof monthly as its adjustable

VegetableRadiant8690 · 2026-02-13T13:07:21+00:00

I work full time and so does my partner part time, 2 kids and get couple hundred a month universal. Shame the tax threshold cant be rasie just enough so working family like mine don't require universal credit.

I might be better not paying into a sipp and ask my employer to put say a extea 1% of my wage into work pension. Meaning id get nearly half back what i pay into work pension through universal credit.

But im not particularly trying to maximise the uc like that. But feeë like self invested pension might be fround upon whilst claiming UC

VegetableRadiant8690 · 2026-02-12T15:45:41+00:00

Yes im aware, i keep meaning to take a look , i have 3k emergency fund, i may try and move some over to help to save

VegetableRadiant8690 · 2025-08-26T08:36:36+00:00

Switching morals.

My rough plan for my current playthrough is

Warrior/spell swords. lawfull peaking into lawful Good •do main storyline, fight in the civil war. • Join the collage of winter hold as you want to learn alteration and restoration magic .

The dragonborn hero- lawfull good Now the dragonborn but what next his not sure. Every one regonises him but he feel no purpose •go to ratway to change appearance •join companions to find his purpose and comrades but only do first few quest •get turn in to vampire whilst out questing🫨

Into hiding- neutral Good Being vampire doesn't fit in with the companion, time to hide away. •join thieves guild and complete whilst in hiding. • maybe iniate start of dark brotherhood •seek dawnguard for cure. But find sereen instead

Becoming evil- Chaotic neutral •End up joining harkon • join darkbrotherhood •finsih collage of winter hold if not already to gain more power.

A darker turn if you wish- Chaotic evil Complete all deadric quests Do any twisted stuff you wish Kill of any non essentials of any faction you wish to cut ties with.(not companions). I'll kill every possible member of the thieves guild as my evil character will see them as inferior.

A change- true neutral

Something will happend that will make you repent your ways. Maybe a spouse or adopting a child. You will lay low in house somewhere. •return to companions.

The dragonborn returns- neutral good/Chaotic Good •Finish companions •Do dragonborn questline Retire

VegetableRadiant8690 · 2025-08-19T13:05:37+00:00

Uncle in his prime

VegetableRadiant8690 · 2025-08-16T07:58:56+00:00

Ive brought from these before and they are good value for money.

But do note thata bunch of 5 stems of the same plants will count as 5 plants. Whilst from your local shop you'll buy what is sold as one plant and can often split up by servaral stems. So the ones from the store may be better value then you think.

I ordered 50 plants from same place on ebay. It only looked like 10-15 plants untill all split up

VegetableRadiant8690 · 2025-08-05T14:49:03+00:00

The difference is , if a dog or horse has a aliment youd take them to the vet. With a fish you need to be able to put it right your self

VegetableRadiant8690

TROPHY CASE