[simon w]

I finish on Thursday 18th Dec and start back on Monday 5th Jan so 17 straight days off. Looking forward to the xmas break. I'm cooking  the xmas dinner for my family this year here.😎

Ive also filed my tax return early and paid up already so im ahead of the game this year.

Lazy days,eating plenty of food,xmas telly and family time beckon (and afternoon gym sessions!).

After 17 days off I'll be raring to go on the 5th Jan!

How much was your tax bill this year Daz?

[Splash and dash]

I finish on Thursday 18th Dec and start back on Monday 5th Jan so 17 straight days off. Looking forward to the xmas break. I'm cooking  the xmas dinner for my family this year here.😎

Ive also filed my tax return early and paid up already so im ahead of the game this year.

Lazy days,eating plenty of food,xmas telly and family time beckon (and afternoon gym sessions!).

After 17 days off I'll be raring to go on the 5th Jan!

How much was your tax bill this year Daz?

Think he said in another post it was 5k ?

[dazmond]

I finish on Thursday 18th Dec and start back on Monday 5th Jan so 17 straight days off. Looking forward to the xmas break. I'm cooking  the xmas dinner for my family this year here.😎

Ive also filed my tax return early and paid up already so im ahead of the game this year.

Lazy days,eating plenty of food,xmas telly and family time beckon (and afternoon gym sessions!).

After 17 days off I'll be raring to go on the 5th Jan!

How much was your tax bill this year Daz?

Just under 5.5k (balancing payment and payment on account).

[Klean07]

Just got back from a month off travelling around Australia visiting friends and family plus a couple of Ashes cricket matches. Its all systems go now until 23rd then I'll be off until 4th January. The joys of semi retirement.

[AuRavelling79]

Just got back from a month off travelling around Australia visiting friends and family plus a couple of Ashes cricket matches. Its all systems go now until 23rd then I'll be off until 4th January. The joys of semi retirement.

Glad it's working for you Klean.

What's your schedule as a window cleaner now?

[Klean07]

Morning,
I sold my other van a few months ago then the lady that was with me part time retired. I've also sold around £2,000 of monthly work need to sell around the same amount in coming months leaving me enough for a nice 3 day week. As long as I'm active and still have the drive and energy I'll carry on.

[dazmond]

Morning,
I sold my other van a few months ago then the lady that was with me part time retired. I've also sold around £2,000 of monthly work need to sell around the same amount in coming months leaving me enough for a nice 3 day week. As long as I'm active and still have the drive and energy I'll carry on.

Good stuff pal.

How old are you mate?

I'm 54 and im hoping I've got another 20 years of work yet before thinking about retiring fully.

[Klean07]

I'm 67 Daz. I think if you get the balance right then there's no reason why you can't work into retirement like me. My mortgage was paid off a couple of years ago meaning that my outgoings now are minimal.  Also love my holidays I quit smoking 20 years ago and only drink socially.

[dazmond]

I'm 67 Daz. I think if you get the balance right then there's no reason why you can't work into retirement like me. My mortgage was paid off a couple of years ago meaning that my outgoings now are minimal.  Also love my holidays I quit smoking 20 years ago and only drink socially.

Our mortgage will be paid off in 2 years. Me and my missus will be 56 and 57 respectively. I'll put some of the extra money i won't be spending on the mortgage into my private pension and carry on working if my health is good.

I'm the sort of guy who will not stop working (in some capacity)unless im forced to due to injury or ill health.

I'm down to 20-25 hours per week and hope I can stay at this level for many years to come.

All the best for Xmas and the new year pal.

[deeege]

I'm 67 Daz. I think if you get the balance right then there's no reason why you can't work into retirement like me. My mortgage was paid off a couple of years ago meaning that my outgoings now are minimal.  Also love my holidays I quit smoking 20 years ago and only drink socially.

Our mortgage will be paid off in 2 years. Me and my missus will be 56 and 57 respectively. I'll put some of the extra money i won't be spending on the mortgage into my private pension and carry on working if my health is good.

I'm the sort of guy who will not stop working (in some capacity)unless im forced to due to injury of ill health.

I'm down to 20-25 hours per week and hope I can stay at this level for many years to come.

All the best for Xmas and the new year pal.

 

Can’t keep up with you Daz. You’ve always said sod paying into a pension, they are scams etc. What’s changed your opinion on pensions?

[dazmond]

I'm 67 Daz. I think if you get the balance right then there's no reason why you can't work into retirement like me. My mortgage was paid off a couple of years ago meaning that my outgoings now are minimal.  Also love my holidays I quit smoking 20 years ago and only drink socially.

Our mortgage will be paid off in 2 years. Me and my missus will be 56 and 57 respectively. I'll put some of the extra money i won't be spending on the mortgage into my private pension and carry on working if my health is good.

I'm the sort of guy who will not stop working (in some capacity)unless im forced to due to injury of ill health.

I'm down to 20-25 hours per week and hope I can stay at this level for many years to come.

All the best for Xmas and the new year pal.

 

Can’t keep up with you Daz. You’ve always said sod paying into a pension, they are scams etc. What’s changed your opinion on pensions?

I only changed my mind on pensions because of tax relief (plus im getting older). Hopefully I'll have 20 years of paying into a private pension. Its only a NEST pension so government backed and open to the self employed (and easy to open online)......

[KS Cleaning]

I'm 67 Daz. I think if you get the balance right then there's no reason why you can't work into retirement like me. My mortgage was paid off a couple of years ago meaning that my outgoings now are minimal.  Also love my holidays I quit smoking 20 years ago and only drink socially.

Our mortgage will be paid off in 2 years. Me and my missus will be 56 and 57 respectively. I'll put some of the extra money i won't be spending on the mortgage into my private pension and carry on working if my health is good.

I'm the sort of guy who will not stop working (in some capacity)unless im forced to due to injury or ill health.

I'm down to 20-25 hours per week and hope I can stay at this level for many years to come.

All the best for Xmas and the new year pal.

You’ve landed on your feet there Daz🤣

[deeege]

I'm 67 Daz. I think if you get the balance right then there's no reason why you can't work into retirement like me. My mortgage was paid off a couple of years ago meaning that my outgoings now are minimal.  Also love my holidays I quit smoking 20 years ago and only drink socially.

Our mortgage will be paid off in 2 years. Me and my missus will be 56 and 57 respectively. I'll put some of the extra money i won't be spending on the mortgage into my private pension and carry on working if my health is good.

I'm the sort of guy who will not stop working (in some capacity)unless im forced to due to injury of ill health.

I'm down to 20-25 hours per week and hope I can stay at this level for many years to come.

All the best for Xmas and the new year pal.

 

Can’t keep up with you Daz. You’ve always said sod paying into a pension, they are scams etc. What’s changed your opinion on pensions?

I only changed my mind on pensions because of tax relief (plus im getting older). Hopefully I'll have 20 years of paying into a private pension. Its only a NEST pension so government backed and open to the self employed (and easy to open online)......

Fair enough Daz, you got there in the end. Now just imagine how much your nest egg would be if you’d have started paying into a pension or stocks and shares through an ISA 10+ years ago. 

[Splash and dash]

I'm 67 Daz. I think if you get the balance right then there's no reason why you can't work into retirement like me. My mortgage was paid off a couple of years ago meaning that my outgoings now are minimal.  Also love my holidays I quit smoking 20 years ago and only drink socially.

Our mortgage will be paid off in 2 years. Me and my missus will be 56 and 57 respectively. I'll put some of the extra money i won't be spending on the mortgage into my private pension and carry on working if my health is good.

I'm the sort of guy who will not stop working (in some capacity)unless im forced to due to injury of ill health.

I'm down to 20-25 hours per week and hope I can stay at this level for many years to come.

All the best for Xmas and the new year pal.

 

Can’t keep up with you Daz. You’ve always said sod paying into a pension, they are scams etc. What’s changed your opinion on pensions?

I only changed my mind on pensions because of tax relief (plus im getting older). Hopefully I'll have 20 years of paying into a private pension. Its only a NEST pension so government backed and open to the self employed (and easy to open online)......

Fair enough Daz, you got there in the end. Now just imagine how much your nest egg would be if you’d have started paying into a pension or stocks and shares through an ISA 10+ years ago. 

Just imagine what he could have now if he had invested in property 😉

[KS Cleaning]

I'm 67 Daz. I think if you get the balance right then there's no reason why you can't work into retirement like me. My mortgage was paid off a couple of years ago meaning that my outgoings now are minimal.  Also love my holidays I quit smoking 20 years ago and only drink socially.

Our mortgage will be paid off in 2 years. Me and my missus will be 56 and 57 respectively. I'll put some of the extra money i won't be spending on the mortgage into my private pension and carry on working if my health is good.

I'm the sort of guy who will not stop working (in some capacity)unless im forced to due to injury of ill health.

I'm down to 20-25 hours per week and hope I can stay at this level for many years to come.

All the best for Xmas and the new year pal.

 

Can’t keep up with you Daz. You’ve always said sod paying into a pension, they are scams etc. What’s changed your opinion on pensions?

I only changed my mind on pensions because of tax relief (plus im getting older). Hopefully I'll have 20 years of paying into a private pension. Its only a NEST pension so government backed and open to the self employed (and easy to open online)......

Fair enough Daz, you got there in the end. Now just imagine how much your nest egg would be if you’d have started paying into a pension or stocks and shares through an ISA 10+ years ago. 

Just imagine what he could have now if he had invested in property 😉

In my case, a sare heid (sore head)😆

[deeege]

I'm 67 Daz. I think if you get the balance right then there's no reason why you can't work into retirement like me. My mortgage was paid off a couple of years ago meaning that my outgoings now are minimal.  Also love my holidays I quit smoking 20 years ago and only drink socially.

Our mortgage will be paid off in 2 years. Me and my missus will be 56 and 57 respectively. I'll put some of the extra money i won't be spending on the mortgage into my private pension and carry on working if my health is good.

I'm the sort of guy who will not stop working (in some capacity)unless im forced to due to injury of ill health.

I'm down to 20-25 hours per week and hope I can stay at this level for many years to come.

All the best for Xmas and the new year pal.

 

Can’t keep up with you Daz. You’ve always said sod paying into a pension, they are scams etc. What’s changed your opinion on pensions?

I only changed my mind on pensions because of tax relief (plus im getting older). Hopefully I'll have 20 years of paying into a private pension. Its only a NEST pension so government backed and open to the self employed (and easy to open online)......

Fair enough Daz, you got there in the end. Now just imagine how much your nest egg would be if you’d have started paying into a pension or stocks and shares through an ISA 10+ years ago. 

Just imagine what he could have now if he had invested in property 😉

Considerably less than if he would have passively pumped money into the S&P500.

[Splash and dash]

I'm 67 Daz. I think if you get the balance right then there's no reason why you can't work into retirement like me. My mortgage was paid off a couple of years ago meaning that my outgoings now are minimal.  Also love my holidays I quit smoking 20 years ago and only drink socially.

Our mortgage will be paid off in 2 years. Me and my missus will be 56 and 57 respectively. I'll put some of the extra money i won't be spending on the mortgage into my private pension and carry on working if my health is good.

I'm the sort of guy who will not stop working (in some capacity)unless im forced to due to injury of ill health.

I'm down to 20-25 hours per week and hope I can stay at this level for many years to come.

All the best for Xmas and the new year pal.

 

Can’t keep up with you Daz. You’ve always said sod paying into a pension, they are scams etc. What’s changed your opinion on pensions?

I only changed my mind on pensions because of tax relief (plus im getting older). Hopefully I'll have 20 years of paying into a private pension. Its only a NEST pension so government backed and open to the self employed (and easy to open online)......

Fair enough Daz, you got there in the end. Now just imagine how much your nest egg would be if you’d have started paying into a pension or stocks and shares through an ISA 10+ years ago. 

Just imagine what he could have now if he had invested in property 😉

Considerably less than if he would have passively pumped money into the S&P500.

Wise investment in the right property’s will bring in much higher increase in the original investment than any other investment regardless of what that is .

[deeege]

I'm 67 Daz. I think if you get the balance right then there's no reason why you can't work into retirement like me. My mortgage was paid off a couple of years ago meaning that my outgoings now are minimal.  Also love my holidays I quit smoking 20 years ago and only drink socially.

Our mortgage will be paid off in 2 years. Me and my missus will be 56 and 57 respectively. I'll put some of the extra money i won't be spending on the mortgage into my private pension and carry on working if my health is good.

I'm the sort of guy who will not stop working (in some capacity)unless im forced to due to injury of ill health.

I'm down to 20-25 hours per week and hope I can stay at this level for many years to come.

All the best for Xmas and the new year pal.

 

Can’t keep up with you Daz. You’ve always said sod paying into a pension, they are scams etc. What’s changed your opinion on pensions?

I only changed my mind on pensions because of tax relief (plus im getting older). Hopefully I'll have 20 years of paying into a private pension. Its only a NEST pension so government backed and open to the self employed (and easy to open online)......

Fair enough Daz, you got there in the end. Now just imagine how much your nest egg would be if you’d have started paying into a pension or stocks and shares through an ISA 10+ years ago. 

Just imagine what he could have now if he had invested in property 😉

Considerably less than if he would have passively pumped money into the S&P500.

Wise investment in the right property’s will bring in much higher increase in the original investment than any other investment regardless of what that is .

Not necessarily. That’s assuming the investor has the skillset, knowledge and time to put into the property. Even then the S&P has outperformed most property over the last 20 years.

[Splash and dash]

I'm 67 Daz. I think if you get the balance right then there's no reason why you can't work into retirement like me. My mortgage was paid off a couple of years ago meaning that my outgoings now are minimal.  Also love my holidays I quit smoking 20 years ago and only drink socially.

Our mortgage will be paid off in 2 years. Me and my missus will be 56 and 57 respectively. I'll put some of the extra money i won't be spending on the mortgage into my private pension and carry on working if my health is good.

I'm the sort of guy who will not stop working (in some capacity)unless im forced to due to injury of ill health.

I'm down to 20-25 hours per week and hope I can stay at this level for many years to come.

All the best for Xmas and the new year pal.

 

Can’t keep up with you Daz. You’ve always said sod paying into a pension, they are scams etc. What’s changed your opinion on pensions?

I only changed my mind on pensions because of tax relief (plus im getting older). Hopefully I'll have 20 years of paying into a private pension. Its only a NEST pension so government backed and open to the self employed (and easy to open online)......

Fair enough Daz, you got there in the end. Now just imagine how much your nest egg would be if you’d have started paying into a pension or stocks and shares through an ISA 10+ years ago. 

Just imagine what he could have now if he had invested in property 😉

Considerably less than if he would have passively pumped money into the S&P500.

Wise investment in the right property’s will bring in much higher increase in the original investment than any other investment regardless of what that is .

Not necessarily. That’s assuming the investor has the skillset, knowledge and time to put into the property. Even then the S&P has outperformed most property over the last 20 years.

I think who ever is advising you doesn’t know there trade , with property the  initial investment continues to rise in value year on year , plus you get a monthly income so it’s a far higher  overall increase in the original investment , and very little risk long term unlike stocks and shares , each to there own but paying into a pension certainly isn’t guaranteed to give you what you think it will .

[Splash and dash]

Certainly don’t call this wise investment you can get more than that on the right property in a few  months