A busy year means lots of new content

It has been quite a year! The biggest news is that my wife has terminal cancer. In parallel my job has been made redundant. I’d planned on working for a few more years, probably reducing hours a little, but with the redundancy payment I think I can just about retire. So there’s pages to be written on all this, starting with redundancy, then my pension plans, and at some point something on the finances of terminal illness.

Funeral costs are in the news

I noticed a few articles recently in the news on the subject of funeral costs.  (Probably there’s something a psychologist would have to say about what catches my attention.)  The articles are mostly about the higher-than-expected costs, and that many pre-payment schemes fail to cover everything that relatives expect.  A funeral is certainly not cheap, but I’ve made a page with a checklist of funeral costs, plus a few of my thoughts on which items might be most worthwhile.

Budget 2018

I’d been expecting some pension allowance changes or some other significant shift, but it didn’t happen.  I guess a couple of my spreadsheets could do with the personal tax allowances updating to £12,500 and £50,000, and the LTA increasing to £1,055,000 but for now no rush.

The nice thing about the “steady as we go” type of budget is that it doesn’t mess up my plans.

I found a couple of great sources for all the 2019-20 allowances:




Just finished a page on “balancing” investments every year.  I really should do this more, rather than trying to second-guess where to be overweight and underweight.  It should also free up time to live more life, rather than pore over investments.  Mind you, I do enjoy this stuff…..

Redundancy Chicken

Here’s a game that many people now play with their employer:  redundancy chicken.

Rather than wind down into retirement by reducing their weekly hours every so often, staff with long service hold onto their potential redundancy package by remaining working full-time until either they’re made redundant, or they quit with as little notice as their contract allows. Continue reading “Redundancy Chicken”