alt Hacker NewsRight in the middle of this now. I have another two years of stuffing pension and making a few choice charity donations (like buying a National Trust Lifetime Membership - a gift aidable donation) and then out of that phase.
And then I'll probably be able to retire 10 years earlier too.
I've got it all to come later this year, my first was born in the autumn
I haven't heard of the charity workaround, sounds really useful, how much does buying the membership reduce your income by?