Holidays: yes in the initial years but then will likely go down again once you become less ambitious with them (or less able).
The hobbies are a complete unknown to be honest.As I've said before everyone is different but my spending didn't go up. I got a new car but that was because my plans didn't work out with the car I had, did my home improvements before I packed in. When you say expensive hobbies, do you mean new hobbies? I would have thought any hobbies you have would be factored into your budget anyway? Think @ivanthereasonable sums it up
Yep that was my plan to be going around now unfortunately it got to the point where I couldn't face it so had to pack in.
Another 2 years would have made a big difference to me but hey ho. The only caveat I'd say is don't keep get sucked into the "Ah I'll just do another xx years" or you'll end up never going
Do the kids call you Bogie?
Bee keeping.
Couldn’t give a shit about care tbh, rather have it spent on stuff before then. Once I can’t wipe my arse my life is as good as over.
I've did Nordkapp a few times now, first time was in 1982, a lot of the E6 was gravel roads back the and no undersea tunnel to Nordkapp either, you had to jump on a ferry. I almost moved there about 10 years ago but me and the missus couldn't agree on where to live. She wanted to be down south where we had friends, I wanted to be up north for the fishing. In the end it never happened.
My kids won't be finished uni (if they go, that is). That will be a major expense.
Yeah can understand that mate I’ve spent a fair bit time over there over the years, I must admit I did enjoy kristiansand was there 3-4 years that ride up the coast to Stavanger to catch the ferry was a great run also liked the ride up the middle past Evja (iirc). Some crakkin rides as ya say, I’ve got a massive soft spot for Oslo remember doing rides In land from there in the 90s.
But think of all that free time you had when you were younger.My kids won't be finished uni (if they go, that is). That will be a major expense.
Yeah really enjoying the garden it needs a lot of work to get it how we want it, and the cold definitely keeps you moving, but I was a North Sea tiger so used to it
Yes, that is true. I certainly made the most of it too while lots of my mates were changing nappies etc.
So what's the 7k if you've got nothing? " nothing back"
A quick look at what they've going on away from work will tell you a lot about mindsets like that .
Nothing back for the years I paid class 4 National Insurance but didn't have the full 52 weeks. One year I had 42 weeks of NI contributions but as it wasn't the full 52 weeks it doesn't count towards your pension. I must have made hundreds of pounds of part contributions and got nothing back. Only full years contributions count towards your pension.
Ah ,OK.
