31st August 2021

These posts were originally posted on the YNAB forums and MoneySavingForums (a UK money management site), I am moving my journals across to WordPress to have them in chronological order, and because the YNAB forums are closing as of March 2022. I’m not sure how much of other people’s words I’m allowed to copy across from one site to another, so in some sections I may summarise conversations.

The vet said Sherlock was healing nicely and I could even start reintroducing dry food if I wet it first

She also said to stop stirring cooked chicken through his wet food to try persuade him to eat it, that he wouldn’t starve himself if it was all I gave him 😳😳😳 but honestly his willpower is stronger than I am 

I’m going to try shift him to a healthier brand of kibble when his mouth is 100% healed, but one food battle at a time.

Regarding pension contribution %, by coincidence some of the YNAB podcasts and YouTube vids have mentioned one of Jesse’s experiments where you raise your pension % by 1% every quarter. This stirred a memory in me, and when I looked at my September calendar, I found I’ve set up reminders in September and March – so every half, not every quarter – to increase my pension % ! So that was forward thinking of me.

In response to a commenter asking what my target pension contribution is

I dont have a target contribution yet, I’m just plagued by a sense of “not contributing enough”

I honestly couldn’t tell you what my current contribution is. At one point I was using the formula “my contributions + employer match = half the age I start saving for retirement”

I know I’m now 1% beyond that

The retirement calculator on my pension provider website says I cant afford to retire until I’m in my 70’s, which is not ideal. I dont even know what age I want to retire, but before I’m 70.

A commenter suggested a retirement calculator

I’ll do a calculation at some point, but for now I’m happy to just keep increasing by 1% until the retirement calculator starts dropping 

I know the overall direction is “up” and I know I cant make any big jumps in savings rates right now so I’ll figure out the specifics in a bit  🙂

Probably one day I’ll wake up with a burning need to know and thats the day I work out my FIRE number or whatever 

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