MedFI is a personal space to enjoy the catharsis of writing, share opinions and to document the journey towards financial independence for both accountability and posterity. Along that journey it would be great to provoke thought and reflection on personal finance in those in similar circumstances.

Mortgage stress test

I’m fortunate enough to only have two debts. One is a hefty and never-diminishing sleep debt. I pay it back when I can but, much like an interest-only mortgage, the principle seems to never decrease. The second is a mortgage. Oxymoronic ‘good debt’. As of 1st August, the Bank of England will withdraw its affordabilityContinue reading “Mortgage stress test”

NHS Pension Changes

The NHS Pension is changing. Lengthy prose about the driving force behind these changes (the McCloud judgement & remedy) would be tangential. Instead of dredging the past, let’s look to the future. What’s happening to the 2015 NHS Pension scheme? Change 1 “Members’ contribution rates would change to be based on actual pensionable pay insteadContinue reading “NHS Pension Changes”

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