Keeping in Contact

At this time of year when I’ve sorted everything for Christmas and basically have nothing to do I find myself looking to the New Year and getting organised. For me this means making sure I have three tonnes of brand spanking new stationery, a new diary and calendar, a rather large roll of bin bags for The Big Post Christmas Clear Out…. you know how it goes.

Obviously I always browse Pinterest for “Super Organisation” posts and pics, new storage ideas and the rest and this time on my internet browsing I came across a check list which talked about getting a new phone sorted for your child.

We haven’t really talked about a phone for Kieran yet as to be honest, at 7 years old I don’t think he needs one. He doesn’t play out on his own and when he isn’t with us,  with family or trusted friends or at school he is at a playscheme. Kieran simply doesn’t need a phone yet however there will come a time when having a phone would be a good idea for safety.

When I was younger yet old enough to play out away from my family we didn’t have mobile phones and while there were phone boxes around we never took coins out with us. We just played. That world and this however is a different place.

This year we won’t be looking for pay as you go sim cards, visiting mobile phone shops or browsing sites such as Lebara to get set up however it won’t be too many years before we are. I’m not sure what the current “acceptable” age is for children to have a mobile phone but I can’t imagine it being before 9 yrs or perhaps older. Who knows though, things change and children do grow up very quickly. Some of Kieran’s friends have had mobiles for a year or more, although who they phone or text I’ve no idea?

My question for you today, while I continue to put together my “Get Sorted for 2014” list is list: Does your child have a phone? Is it pre-paid, is it a contract, and when did they get one? I’m genuinely interested in this as we managed fine without one as kids yet I do recognise that things do change as generations move on.

Mobiles

This piece was written in collaboration with the mentioned business yet is true to my own thoughts, feelings and experiences.

Planning For Our Golden Years

I have two wonderful boys. I hope to live a long and happy life with them however because sometimes terrible things happen Roy and I have comprehensive life insurance so that if one or both of us shuffle off in an untimely manner we will do so knowing that the boys are financially sound. Likewise, if either of us leaves the other behind we would do so knowing that the financial burden of raising the boys and looking after everything else would be covered.

What we haven’t put enough thought into however is what will happen should we live to a ripe old age and face a long and leisurely retirement. We know and understand the importance of saving for a rainy day and the boys of course have CTFs (Child Trust Funds) in place however we have no private pensions or investments in place to see us through our golden years as such.

Having done a quick Google on investments for retirement planning and the like I have found a wealth of irrelevant and quite frankly confusing information. Ignoring this I have had a look at the SIPP Centre which has information about tax-efficient investment for retirement and this has opened a few doors in terms of our thinking about what we want to do.

In terms of pensions, it doesn’t bear thinking about what the government pension will be by the time we retire. Roy has access to a work pension however I am self-employed and do not so it is time to join the pro-active retirement planning party and make sure we have enough to keep us in the style we would like to become accustomed to when the time comes. There are other options we are considering, such as bonds, savings options or we might do something a little different and buy draftkings shares. Either way, we are working hard now to ensure that we will be financially sound when it comes to retirement.

My question for you today is this: Have you sorted your retirement out financially speaking yet or like me are you just grasping the bull by the horns now and find the vast amount of information “out there” commercially self-serving and jargon-packed? I’d love to hear we are not the only ones who have until now buried our heads in the sand somewhat!

 retirement

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