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Guest MattP

Signs of getting old....

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Posted

Went to my daughters parents evening (she is year 3) and her teacher is the same teacher i had when i was in year 4 20 years ago. Now im only 28 but that made me feel really old. Hate to think how that made the teacher feel lol

Posted

I am becoming paranoid about everything and starting to think like a 'prepper'. I think it is because I am worried about looking after my kids. I never used to worry about things before.

Posted

Finding Radio 1 annoying not for the music - I like all sorts of music - but for the inane shite the "DJs" witter over the top. Also finding it annoying that my Mum thinks Radio 2 should cater for her even though she is in her 60s. Where is my BBC radio station?? (apart from 5 obviously).

Agree with this. I can't stand Ferne Cotton. Boring-ell.

Posted

I'm 23 and I can never be arsed to go out in town on a Saturday night now, few pints down the pub early doors, home with a takeaway and MOTD. A year ago I wouldn't even go home on a Saturday until 6 the next day.

 

Thinking about money more, saving and paying bills etc. 

Posted

Spending money on fences, boilers and driveways.

 

They're just signs of owning a property!

First thing I did when I bought my first house last year was rip up the shitty existing driveway and put a new one down

 

Personally mine is just trying to stay awake past midnight, I have to fight my eyes to do it. I used to play my Xbox till 4am, nap till 7 then get up for work. If I did that now I'd be so irate when I got to work I'd probably be sent straight home again

Posted

Personally I don't want to be fretting over income, bills, mortgages whatever until I'm over 30. Plenty of time far all that crap. Though I'll probably regret it all later when I'm penniless and kipping at my sister's place.

Posted

Personally I don't want to be fretting over income, bills, mortgages whatever until I'm over 30. Plenty of time far all that crap. Though I'll probably regret it all later when I'm penniless and kipping at my sister's place.

 

 

Good plan.. The only thinkg you need to do is start your pension now.

Posted

Reading through this thread and thinking "yeah I do that" to almost all of them, and then remembering you're not even 20 yet.

 

:frantics: :frantics: :frantics:

Posted

Finding Radio 1 annoying not for the music - I like all sorts of music - but for the inane shite the "DJs" witter over the top. Also finding it annoying that my Mum thinks Radio 2 should cater for her even though she is in her 60s. Where is my BBC radio station?? (apart from 5 obviously).

6 music. By far the best BBC radio station.

Posted

Personally I don't want to be fretting over income, bills, mortgages whatever until I'm over 30. Plenty of time far all that crap. Though I'll probably regret it all later when I'm penniless and kipping at my sister's place.

I have some good contacts if that ever happens. I do have my uses. :)

Posted

Another one that came to me this morning.

Realising when looking at page 3 , your old enough to be their dad.

 

 

I do not have that problem yet but now I feel bit weird when I saw fit 16/17/18 years old girls coming out of college compared when I was their age where I would be happy to check them out!

Posted

Personally I don't want to be fretting over income, bills, mortgages whatever until I'm over 30. Plenty of time far all that crap. Though I'll probably regret it all later when I'm penniless and kipping at my sister's place.

 

Good plan.. The only thinkg you need to do is start your pension now.

 

For once, Jon is absolutely right about something here.  ;)

 

I had a similar attitude to you, Bovril, footloose and fancy-free, through to my late 30s, then ended up settling down. When I looked into pensions, it quickly became apparent that I'd left it too late to afford a meaningful private pension. The contributions required to make it worthwhile were far too high - whereas, due to the compound interest, you can pay much lower contributions from your 20s and still end up with a half-decent pension.

 

I was able to afford life and serious illness insurance, so we'd be OK if I got some long-term illness that prevented me working, and my family would be OK if I snuff it early, but retirement income is a gamble now. I'm up to date with state pension contributions and will have a small pension from the 3.5 years that I spent in the civil service. Otherwise, I've had to gamble on (a) the possibility that I might not last to/beyond my 60s; (b) the possibility that, if I do, I'll have inherited some cash; © the option of releasing some cash through downsizing to a smaller house or selling up and renting; (d) the option of continuing to work beyond my 60s, at least part-time (which might well be realistic given my occupation, but might not be for a navvy, firefighter teacher or whatever). Stats suggest that growing numbers of people are in this situation. It's a gamble that might work out for me and for some others, but definitely won't work out for some..... It's quite possible that all of (a) to (d) could go wrong!

 

So, if you're in your 20s, don't follow the bad example set by Uncle Alf. Take Uncle Jon's advice and start paying into a pension!  

Posted

For once, Jon is absolutely right about something here.  ;)

 

I had a similar attitude to you, Bovril, footloose and fancy-free, through to my late 30s, then ended up settling down. When I looked into pensions, it quickly became apparent that I'd left it too late to afford a meaningful private pension. The contributions required to make it worthwhile were far too high - whereas, due to the compound interest, you can pay much lower contributions from your 20s and still end up with a half-decent pension.

 

I was able to afford life and serious illness insurance, so we'd be OK if I got some long-term illness that prevented me working, and my family would be OK if I snuff it early, but retirement income is a gamble now. I'm up to date with state pension contributions and will have a small pension from the 3.5 years that I spent in the civil service. Otherwise, I've had to gamble on (a) the possibility that I might not last to/beyond my 60s; (b) the possibility that, if I do, I'll have inherited some cash; © the option of releasing some cash through downsizing to a smaller house or selling up and renting; (d) the option of continuing to work beyond my 60s, at least part-time (which might well be realistic given my occupation, but might not be for a navvy, firefighter teacher or whatever). Stats suggest that growing numbers of people are in this situation. It's a gamble that might work out for me and for some others, but definitely won't work out for some..... It's quite possible that all of (a) to (d) could go wrong!

 

So, if you're in your 20s, don't follow the bad example set by Uncle Alf. Take Uncle Jon's advice and start paying into a pension!  

 

Jesus, thanks Dad. :yawn:

 

(smiley winkey face)

Posted

Jesus, thanks Dad. :yawn:

 

(smiley winkey face)

 

lol

 

Another sign of getting old: talking seriously about pensions. Still talking about American road trips, though, so a hip (if yawnworthy) Dad!

Posted

The worst thing is that dreadful day when you realize you're turning into your dad.... :(

Wait until you turn into your Granddad.

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