Possibly not relevant in your case but you mention childcare dropping to zero in Sept 2024 - is that because both children will be in school there? Are there no after school costs? I ask because it looks like you have two full-time salaries and I had foolishly assumed that childcare would be high for a few years then drop and only recently realised that wraparound primary care in our creche is actually 700/child. You may have family who can provide care, but given the amount of holidays they have its quite a considerable time commitment, and if you're relying on older parents assuming they'll be able and happy to do it for two kids in 8 years time might be overly optimistic. (This all may not apply to you but these are realisations I came to slowly!)
I only recently got around to starting my own pension and I found the online calculators quite useful, also the rule of thumb which says you pay in 1/2 your age from when you start - so at 33, that would be 16% if you're rounding down. Does that feel manageable with your other outgoings? Our approach is to spend the children's allowance now and hope that by doing that we're in a better position to support when they reach college age. Given your mortgage has 19 years to run and your eldest is 3 1/2, I would have thought overpaying the mortgage with the children allowance would mean it was fully paid off by the time they start college given you a lot more disposable income to meet those costs as they arise.
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