CM you can get junior isas now, it was the thing they introduced when they scrapped child trust funds, so Eric has one, and we pay ??20 in every month same as we do M's CTF, and we can't access it, nor can they till they're adults.
If child benefit was meant to be saved for the children to use when grown up, rather than on nappies, food, clothes, essentials, then there never would have been all the hoo ha about saving for kids, CTFs and jr isas etc, but we all know T lives on another planet somewhere.
Good luck mr MM, not sure the weather is going to be kind.
Wow to the skiing CC!
So I finally thnk after weeks of ridiculous negotiation the job has gne tits up. They were offering over ??3500 less than I would have earned working the same no of hrs for my old job, and funnily enough I think I'm worth more than that! It was going to always be less money than my old job as it was fewer hrs, but not that much less! I am not prepared at this stage in my career, with over 12 yrs experience behind me to take such a reduction in salary just because I am female and want to work part time. As the old saying goes, if you pay peanuts you get monkeys and I am not a monkey. I made them one final offer this evening, to match my previous rate per hr, and they a haven't replied. I am just annoyed that I have wasted so much time and energy on it, going for trial days etc, when I told the guy on day one what I earned. But anyway, at this stage in the game when it's the first practice that has showing interest and I haven't really started properly looking yet, I am holding out for better! And I even managed to avoid opening the bottle of wine in the fridge tonight!