Swapping my car for a shopping trolley
Could you live on £179.60 a week?
That’s the reality if you rely on the full new State Pension in retirement. Well under £10K a year.
It’s also my challenge this week alongside fellow blogger Mrs Mummypenny, in collaboration with our partners at PensionBee, to see how we cope on just the State Pension. From Monday 27 September to Sunday 3 October, we’ll be trying to live on £179.60.
Now, I’ve done spending diary challenges before, based on a month or two. I’ve endured very limited food budgets on the Ration Challenge and Live Below The Line. But surviving on the State Pension covers everything – all bills, all other spending – and it’s not looking good.
Average earnings for total pay were £578 a week in September, according to the Office for National Statistics, which is more than triple the State Pension. Gulp.
Yet 17% of pensioner households do rely entirely on state pensions and benefits for their income, according to the Department for Work & Pensions. Many have to scrape by on less than £180 a week, so I should count myself lucky.
Previous post over on the PensionBee blog: What is pension poverty?
Nowadays, most employees put extra towards retirement via auto-enrolment into workplace pension schemes. However, as I’m self-employed I have to make my own arrangements for anything beyond the State Pension.
I spent most of the first day making a budget and going food shopping, as I faced up to the reality of living on the State Pension for a week.
Check out my State Pension forecast
Income from the State Pension
I started by checking my State Pension forecast here just to see what I can actually expect to get when I reach 67.
Turns out that based on my National Insurance contributions (NICs) so far, I’m due £152.62 a week at current rates. If I pay NICs for another 5 out of the next 17 years, I will receive the full whack at £179.60 a week, which seems perfectly possible.
I’d always assumed I wouldn’t get a full State Pension, as I contracted out of the state second pension under the old system. However, turns out I should work for long enough after the system changed in 2016 to build up the 35 years of NICs for a full new State Pension.
Budgeting on the State Pension – costs I’ll shed in retirement
Let’s start with the good news.
Many people need less income in retirement because their housing costs are lower, due to paying off their mortgage. We’re incredibly lucky to be mortgage-free and debt-free already, after making the big move from London to Suffolk, so at least I don’t have to cover those bills.
I’m also assuming that my children will have left home, so I won’t face any expenses for feeding, clothing or entertaining them.
As I’m not budgeting for any income beyond the State Pension, I’m assuming I’ve stopped work, so don’t need to allow for any business expenses. Similarly, with no other income, I’m assuming I’m no longer paying into pensions or investments or forking out for investment platform fees. What income I do have is guaranteed, so I won’t be covering life insurance or any other protection insurance.
Yes but have you seen the heating costs?
Expenditure – chunky essential bills
However, my pension money needs to cover everything else, starting with essential bills.
The bad news is that it’s pretty clear I could not afford to stay in our current home if I was left on my own.
We live in a large four-bedroom detached house, with ridiculous heating and insurance bills due to its age and listing.
Totting up the essential bills, even including a 25% Council Tax discount for a single person, I’d only be left with a tenner a week.
Even splitting bills with my husband still adds up to a chunky amount each week:
£31.06 Council Tax
£6.92 Water
£10.87 Electricity
£22.00 Heating oil
£1.53 TV licence
£0.89 My mobile
£4.12 Broadband and landline
£15.03 Buildings and contents insurance
Total: £92.42 for essential bills, which leaves a grand total of £87.18 for everything else.
This demonstrates what a raw deal single people face. Guess my husband is stuck with me 🙂
Previous post: How to slash your budget to the bone
My food for the week: £23.92
Expenditure – food and travel
For most households, their biggest costs after housing are food and transport.
Looking at the limited amount left of my State Pension, it’s pretty clear I couldn’t afford to run a car, with all the costs for fuel, insurance, tax, MOT, servicing, breakdown cover, repairs and any parking charges and tolls. That comes to hundreds of pounds a year I just wouldn’t have.
Messaging my Mum to borrow a granny trolley for the supermarket shop was the first big change to my standard of living.
This also has knock on effects on my food costs. I had originally planned to drive to Lidl or Aldi, to benefit from lower prices at the discount supermarkets. With no car and few buses, I was limited to shops within walking distance, something I didn’t relish looking at the rain outside. Delivery charges for online supermarket shopping may be only a few pounds, but I’d rather spend that on actual food.
Limited cash also means I can’t just chuck anything I wanted into my supermarket trolley. I ended up spending most of my morning putting together a meal plan and shopping list. I could do with shedding some Covid kilos, so am trying to eat healthy meals with higher protein and lower carbs – which isn’t easy when cutting costs.
I’ll do another post on the food side, but I set a £25 food budget for the week and ended up spending £23.92. Woe betide any offspring who raid my supplies, as there’s little room for manoeuvre.
Previous post: 80+ ways to save money on your food shopping
Dog or no dog?
Expenditure – little left for everything else
So, after allowing for essential bills and my supermarket shop, I’m left with £63.26 a week for all other spending.
Everything. Else.
It needs to cover any clothes, shoes, toiletries and cleaning products. The dentist, optician, and hairdresser. Any transport beyond the free bus pass for pensioners. Any work needed on the house and garden. Any eating out, socialising, holidays, hobbies, exercise or entertainment. All Christmas and birthday presents and any charitable donations.
Right now, I’m eyeing up the dog and the chickens, wondering how I’m going to feed them as well as myself.
I therefore spent another chunk of my first day cancelling stuff that would otherwise blow my budget, such as my flute lesson, my language learning app (back to the ad-filled free version of Duolingo) and occasional flower deliveries. I’ve allowed for a TV licence, so it’s hello Freeview and goodbye Netflix, Disney Plus and Britbox. There’s nothing to spare for a cleaner or help with the garden.
Previous post: 5 apps for a fun but frugal lockdown
After a day of cutting back and cancelling stuff, I now need to plan where that £63.26 will go. Roll on day 2.
Now – over to you. Any tips for budgeting on the State Pension? Do share in the comments, I’d love to hear.
Check out Mrs Mummypenny’s post at the start of our State Pension challenge.
This post is a collaboration with PensionBee (affiliate link) but all views are my own.
If you wanted to stay in your lovely house, and especially if you were on your own, something to consider is having a lodger in one or even two of the bedrooms
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It changed his life!
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I’m surprised at the size of state pensions there. Our Social Security, which I assume has a similar purpose will pay my wife and I right at $70K USD or a little over a thousand pounds a week at today’s exchange rate. Part of that is because we elected not to draw until age 70 since by deferring the benefit grows by 8% a year. But that’s only 5 years away and it is 7 times as much income. But it may balance out with free medical care and other state benefits?
Author
Hi Steveark – the UK is known for paying a pitiful state pension compared to many other developed nations, although as you say, free healthcare from the NHS is a major benefit. We are also allowed to defer our state pensions in exchange for higher income, although it’s less generous than you will get and than it used to be. Nowadays in the UK, you get approx 1% for every 9 weeks you defer, which works out at just under 5.8% per year. You used to get 1% for every 5 weeks delay, which is 10.4% for every year.
https://www.gov.uk/deferring-state-pension/what-you-get
First off if you have no other income you will be entitled to pension credit but you cannot have a lot of savings. Please continue with your experiment as it will encourage some to prepare for their retirement. We have a company pension from my husbands work and at the moment we are enjoying the Greek sunshine.
Author
Wow Greek sunshine sounds amazing! I did check out Pension Credit, but normally it only applies to lower income levels than the full new state pension – topping up weekly income to £177.10 if single and £270.30 jointly if you have a partner. May still be eligible if on higher income, but if you have a disability, care for someone, have savings or housing costs and I wasn’t assuming any of those things.
More on Pension Credit, because it is a huge help for those who qualify: https://www.gov.uk/pension-credit/eligibility
We are about to live off our basic state pensions (we also have a savings and property thank goodness) but we want to live for as long as we can on just the 2 basic state pensions and not dip into our savings yet.
My thoughts are that you should ‘train up’ before you try to live on a much reduced income. In the year before you retire you should aim to live off JUST the statutory pension amount and learn all the tips and tricks needed to lower your living expenses as much as possible ahead of time and the money you’ve saved by doing this will come in handy later.
Author
Good idea about trying to adapt to living on less beforehand, and great plan about building up some emergency savings. Certainly, I found my previous experiences of living on very low income were very useful. Glad you do have savings and property if needed, and all the best when you are living on your basic state pensions.
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I invested a total of $515k on a binary option platform after several weeks i tried to make some withdrawals to my bank but the withdrawal wasn’t successful, i quickly contact the platform customer care via email and phone number but didn’t get a response from them that was when everything started looking weird. Some weeks later I got an email from them requesting that I should invest more money if I wanted to withdraw my money, which I rejected, and I never heard from them again. That was when I knew I’m about to be screwed. It was really devastating. After some months I came across a lot of testimonies and ratings on the web on how The Exner Hacker had helped many people recover their stolen, scammed or duped money on bitcoin or any other form of digital currency. I contacted them and they promised to help me get my money back and asked me for some info about the company I invested with. The result was amazing. I recovered all my Lost funds back within a space of 48 hours. This was such a high moment in my life. My money is back in full amount. Thanks to Theexnerhacker@protonmail.com. You can also reach them out on telegram; +19173843379
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I always bought the idea of investing in cryptocurrency but I didn’t go through the right process and I lost all my money to a fake cryptocurrency investment platform. I didn’t do enough research and I was scammed of my hard-earned money after falling victim to a cryptocurrency investment scam. I made all efforts to get back my money but to no success, I contacted the authorities as well but they couldn’t do anything to recover my funds until I was told about Crypto Recovery Wizard, a cryptocurrency recovery company that has helped other scam victims recover their funds. I contacted them immediately and provided all the necessary information needed to help them with their investigation. Crypto Recovery Wizard was able to recover my cryptocurrency funds and was able to track down those scammers. I’m truly grateful for their reliable and professional service. Crypto Recovery Wizard is the best approach if you want to recover your locked funds, and stolen cryptocurrencies.
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How do I get my scammed Bitcoin back?
How do I get my stolen Bitcoin back?
Can lost Crypto be recovered?
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I am in such a mess. I have lost over 4.7m due to a scammer …. It started out as bank wires and then bitcoin. it is hard to imagine but it is true and can send any proof, then I tried to use a couple of recovery companies and was as well. Graphic design has been more than just a hobby for me since high school—it has become a thriving career. Starting in my parents’ garage, I eventually expanded to my office, running a successful graphic design business. However, like many, I faced the need to diversify my investments due to inflation. This led me to invest 60.16 in Bitcoin, a decision that paid off handsomely as my investment grew to 4.7m over time. This financial windfall allowed me to upgrade my equipment and take on more ambitious projects, furthering the growth of my business. Unfortunately, my excitement was abruptly cut short when I fell victim to a hacking incident. Malware infected my computer, giving hackers access to my Bitcoin wallet. The devastation of potentially losing all my hard-earned savings and plans weighed heavily on me. At this dire moment, a fellow designer suggested Linux Cyber Security Company as a potential solution. Desperate for a lifeline, I reached out to them, hoping for a miracle. The response from Linux Cyber Security Company was prompt, incredibly professional, and effective. Their team quickly traced the hacker’s activities and recovered most of my funds, alleviating a significant amount of stress and uncertainty. Beyond the recovery, they took the time to educate me on essential practices to secure my Bitcoin holdings better. They emphasized using antivirus software to prevent malware infections, the importance of avoiding suspicious downloads, and the added security provided by hardware wallets. This experience served as a critical wake-up call for me. It highlighted the vulnerabilities inherent in digital assets and underscored the importance of robust security measures. Thanks to the guidance and expertise of Linux Cyber Security Company, I now feel more equipped to protect my digital assets proactively. Their insights have empowered me to implement stronger security protocols in my business operations and personal finances alike. With my Bitcoin funds securely recovered and a newfound understanding of digital security best practices, I am more confident in navigating future challenges. This journey has reinforced my commitment to safeguarding my hard-earned assets and leveraging technology responsibly. Moving forward, I am optimistic about the growth opportunities ahead, both creatively in graphic design and prudently in investment strategies. In conclusion, while the hacking incident was a setback, it ultimately became a catalyst for enhancing my digital security awareness and resilience. I am grateful to Linux Cyber Security Company for their expertise and support during a challenging time, enabling me to continue pursuing my passion for graphic design with renewed confidence and financial stability. Contact a professional company I am sure they can help you we your case too,
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CAN GRAY HAT HACKERS RECOVER DEFRAUDED CRYPTO? GRAYHATHACKS CONTRACTOR
The simple answer is yes, but as I was informed, every case is unique. I was devastated when I lost a significant portion of my hard-earned savings in a cryptocurrency investment. I received an unsolicited email from a woman claiming to be a bank account manager, promising to triple my savings through cryptocurrency. Looking back, it’s almost comical how easily I fell for the get-rich-quick scheme that has ensnared many others before me. She exuded confidence and professionalism, leading me to believe she was legitimate, only to realize later that I was a target of a scam.
Weeks went by, and by the time I realized the truth, I had already invested a substantial amount of money into the fraudulent scheme. I felt a mix of devastation and anger. Fortunately, I stumbled upon an article on Quora about a team of gray hat hackers who specialized in helping scam victims like myself. I reached out to them, providing all the necessary information about my case. After a brief investigation, they agreed to take on my case, explaining that they only accepted cases they believed had a chance of successful recovery.
Within five days, I had recovered a significant portion of my lost funds. These individuals are truly experts in their field. While I hope to never experience such a situation again, I find comfort in knowing that I have their contact information readily available. If you ever find yourself in a similar predicament, you can reach out to them via email at grayhathacks@contractor.net or through WhatsApp at +1 (843) 368-3015.
Recover lost crypto investment and stolen crypto
If I had to guess, I’d say binary options are more of a play roulette, especially if your broker determines to make an investment on behalf of you. That explains why I lost all of my investments to a ruse firm who claimed to have made investments on my behalf and caused me to lose a significant sum of money. However, in a nutshell , I did some investigation and connected with a hacker group called PERFECT CRYPTO RECOVERY SERVICES. Because PERFECT CRYPTO RECOVERY SERVICES are genuinely professionals in this industry, an investigative process was carried out on the transactions, and within a few working days, I received my money back. You can notify the PERFECT CRYPTO RECOVERY SERVICES of your missing Crypto, and they will undoubtedly assist you in getting your crypto recovered. They are quite proficient in this profession, much like doctors. Below is their contact details :
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ccc In thehigh-speed universe of cryptocurrency, one’s security is of utmost importance. Persistent hackers are continuously attempting to breach digital wallets and pilfer valuable assets, making it imperative to implement a trustworthy safeguard to shield your investments. Enter HACKSAVVY TECHNOLOGY. Thanks to their expertise in cryptocurrency security, I was rescued from the brink of forfeiting my $20,000 bitcoin investment, and I am eternally thankful. Cryptocurrency is a decentralized digital currency that relies on cryptography for security. Unlike traditional fiat currency, which is backed by governments and financial institutions, cryptocurrency operates on a peer-to-peer network. This means that the responsibility for securing your digital assets lies solely with you. I was introduced to HACKSAVVY TECHNOLOGY by a fellow cryptocurrency investor who had experienced a frightening breach in their digital wallet. Thanks to HACKSAVVY TECHNOLOGY prompt and efficient action, they were able to retrieve their funds. It was at that moment I realized I had to contact them for assistance. I sought help from HACKSAVVY TECHNOLOGY and detailed my predicament. Without delay, they activated their powerful security protocols to hunt down the hacker and safeguard my digital wallet. Within hours, they quashed the attack and reinstated my $20,000 bitcoin investment in its proper location. Thanks to HACKSAVVY TECHNOLOGY quick response and expertise, I dodged a financial catastrophe. The idea of losing $20,000 in bitcoin was extremely worrying, but HACKSAVVY TECHNOLOGY prompt assistance brought me relief. Their unmatched knowledge in cryptocurrency security is truly impressive, and I will always be thankful for their help. For those seeking to protect their digital assets and investments, turn to HACKSAVVY TECHNOLOGY. With a team of experts well-versed in cryptocurrency security, they will go the extra mile to guarantee your peace of mind. Don’t delay – trust HACKSAVVY TECHNOLOGY to safeguard and secure your investments before it’s too late. See HACKSAVVY TECHNOLOGY contact below.EMAIL: contactus @ hacksavvytechnology . comWHATSAPP : +1 571 278 5556
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I highly recommend the service of FUNDS RECOVERY CHAMBERS Solution for a fantastic job at recovering my life savings which I naively put in a fake crypto investment scheme. I had a stressful situation going on and they were so patient with me and did help me through this. The staff members are very legit and good in explanation email them on fundsrecoverychambers at gmail dot com , not just classifying the problem and charging not without good response. I must commend them for recovering my money from the people who stole from me. If you are ever in need of such service, you can contact them via: (fundsrecoverychambers@gmail.com) “Thank you for your hard work, I really appreciate that you have been able to get my funds recovered, Their transparency and commitment to my recovery were admirable throughout the entire process even with the cost being fair. I am sending this testimony to affirm the legitimacy send a message on WhatsApp +44 7442 684963
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CRYPTOCURRENCY
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Cryptocurrency investment can be a thrilling yet perilous endeavor, as I discovered through a rollercoaster of experiences with Litecoins. Intrigued by the success stories of friends who profited from Litecoin investments, I ventured into the realm of altcoins despite my initial focus on Bitcoin trading. All began auspiciously enough when a schoolmate recommended a promising website for Litecoin transactions. Eager to capitalize on what seemed like a lucrative opportunity, I meticulously researched the platform and eventually took the plunge, investing a substantial sum. However, my optimism quickly turned to dismay when the website abruptly went offline shortly after I transferred 4,000,000 Litecoins to their designated wallet address. Feeling defrauded and desperate, I pursued every conceivable avenue to recover my stolen Litecoins to no avail. Days turned into weeks of frustration as my hopes dwindled until a beacon of hope emerged in the form of Lee Ultimate Hacker. Initially skeptical yet undeterred, I read testimonials and reviews that spoke highly of their expertise in recovering stolen cryptocurrencies. With little to lose, I reached out to Lee Ultimate Hacker, recounting my unfortunate ordeal and detailing the specifics of my case. Their response was prompt and reassuring, assigning a dedicated recovery expert to guide me through the process. From the outset, their professionalism and understanding were evident, providing clarity on the steps ahead and outlining realistic expectations. The recovery journey was not without its challenges, yet Lee Ultimate Hacker demonstrated an unparalleled commitment to my case. They employed sophisticated techniques to trace the digital footprint of my lost Litecoins, conducting thorough cyber analyses and leveraging their network of resources. Communication was transparent throughout, with regular updates that instilled confidence and renewed hope. Weeks of perseverance culminated in a breakthrough when Lee Ultimate Hacker successfully retrieved all 4,000,000 Litecoins that had been stolen from me. The relief and gratitude I felt cannot be overstated, as their efforts not only restored my financial losses but also reinstated my faith in ethical recovery services amidst the murky waters of cryptocurrency scams Lee Ultimate Hacker operates with ethical standards. They operate with integrity and transparency, ensuring that every step taken is in the best interest of the client. Their expertise in navigating the complexities of online financial fraud is unmatched, making them a trusted ally for anyone seeking to recover stolen or lost cryptocurrencies. Beyond their technical proficiency, Lee Ultimate Hacker offers a compassionate and supportive approach, to understanding the emotional toll of financial victimization.
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How Do I Recover A Stolen Or Lost Bitcoin
Hello everyone.
My name is Rita C. Taylor I can see a lot of things going wrong these last few days of investing online and getting scammed. I was in your shoes when I invested in a bogus binary option and was duped out of $21000 in BTC, but thanks to the assistance of jetwebhackers. They helped me get back my BTC. I didn’t trust the Hackers at first, but they were recommended to me by a friend whom I greatly respect. I received my refund in two days. I must recommend jetwebhackers they are fantastic.you can contact them via email ( jetwebhackers@gmail.com ) or telegram :@jetwebhackers
MY CRYPTO RECOVERY EXPERIENCE 2024
WARNING: Scammers BEWARE! I’m about to share a jaw-dropping story of how I got scammed out of $64,000 in a cryptocurrency investment that promised me a return of $124,000… but then I found coinsrecoveryworldwide!. As a woman who was already recovering from kidney surgery, I was blindsided by the news that my investment was a scam. I was left feeling helpless, stressed, and worried about how I’d pay for my medical expenses. But then I stumbled upon coinsrecoveryworldwide, and they changed everything. With their expertise and determination, they worked tirelessly to recover not only my initial investment but also the promised profit. It’s been a game-changer for me, and I’m so grateful to have my money back. If you’re a victim of a scam or are struggling to recover your losses, don’t give up hope. coinsrecoveryworldwide is a team of dedicated professionals who will stop at nothing to get you back on track. Trust me, you won’t regret reaching out to them. They’re the real deal!”
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For traders who have fallen victim to scams in cryptocurrency, binary options, or forex trading, I empathize with your experience. It’s crucial to exercise caution and due diligence before investing with any broker. I, too, was once scammed out of GBP 61,500 by an online broker, an experience that left me devastated and disillusioned. However, I found a glimmer of hope in the form of someone who helped me recover all my lost funds. It was a long and arduous journey, but with perseverance and the right support, justice was served. If you find yourself in a similar situation—whether you’ve been scammed by an unregulated broker, manipulated into making additional deposits, or had your account unfairly blocked—know that you’re not alone. There are avenues for recourse, and assistance is available to help you reclaim what’s rightfully yours. One such ally in the fight against financial fraud is Dr. Dominic from FOLKWIN EXPERT RECOVERY and his dedicated team. They specialize in recovering lost funds from fraudulent brokers, employing advanced techniques and expertise to navigate the complexities of the digital landscape. When I reached out to Dr. Dominic who works in FOLKWIN EXPERT RECOVERY, I was met with professionalism, empathy, and a commitment to justice. His team meticulously investigated my case, leaving no stone unturned in their pursuit of justice. Their approach was methodical and thorough, reminiscent of a digital detective unraveling a complex mystery. With each breakthrough, I felt a renewed sense of hope and determination. Finally, the day arrived when I received the news that I had been longing for my lost funds to have been successfully recovered. It was a moment of triumph, a testament to the power of resilience and the importance of seeking help when faced with adversity. If you’re grappling with the aftermath of a scam, don’t hesitate to reach out to Dr. Dominic and his team at FOLKWIN EXPERT RECOVERY. They understand the intricacies of financial fraud and have the tools and expertise to help you reclaim what’s rightfully yours. Remember, you deserve justice, and you don’t have to navigate this journey alone. With the right support and guidance, you can emerge from this ordeal stronger and more empowered than ever before. While falling victim to a scam is a painful and disheartening experience, there is hope for recovery. By seeking assistance from professionals like Dr. Dominic and his team at FOLKWIN EXPERT RECOVERY, you can take proactive steps toward reclaiming your lost funds and restoring your asset protection.
Best Regards,
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My name is Anderson Gate and I’m a professional photographer who invested in crypto trading and was conned of my hard-earned money by a crypto group. I lost $273,000 worth of Bitcoin to this scam. I was nearly losing my mind when I came across FIRMWALL Cyber Security, an ethical recovery company with professional white hat hackers who were able to assist me in the recovery of my crypto. I’m truly grateful for their service and I recommend their service to everyone who needs to recover their stolen crypto funds.
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Being a retiree, I never thought much about digital currencies until a friend introduced me to Bitcoin. I decided to try my hand at mining and airdropping and managed to accumulate a fair amount of coins of various kinds. I saved my decryption key on a USB drive, figuring it was the safest place. I recently found out my coins have appreciated running into hundreds of thousands of Australian Dollars. I was thrilled and ready to cash out. However, when I looked for the USB drive, it was nowhere to be found. I tore my house apart searching for it but to no avail. In desperation, I searched online for a solution and stumbled upon Cyber Genie Hack Pro. They provided a solution to my task which was programming a tool solely for my device, the tool claimed it could recover lost decryption keys. With nothing to lose, I downloaded the tool and followed the clear instructions. The program created by Cyber Genie Hack Pro scanned my computer and sourced out all passwords ever logged in on that system for years. After several hours, it provided a list of potential keys. I was skeptical but tried each one. To my amazement, one of the keys worked, and I could access my Blockchain account again. Thanks to Cyber Genie Hack Pro. I retrieved my coins. This experience has been a huge relief and has given me a new appreciation for technology. I’m now more careful with my important information and have a much brighter financial future.
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In bitcoin investment schemes, scammers contact investors claiming to be seasoned “investment managers.” As part of the scheme, the so-called investment managers claim to have made millions investing in cryptocurrency and promise their victims that they will make money with investments. Soon after making deposits, victims are asked for more payment which they eventually are unable to withdraw or communicate with the investment managers. It is extremely difficult for police to recover funds once they have been transferred to these fake investment companies, therefore, crypto recovery services like COIN RECOVER Contractors come in handy. Essentially, COIN RECOVER began as a low key operation targeting fake exchange platforms that scam innocent naive investors. They would track down their identity and return the deposits to the victims anonymously. Recently, they created a channel through which victims can approach them to present their individual cases. If you have encountered such investment platforms or know a victim, contact them through email COINRECOVERSERVICE @ GMAIL, COM
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In bitcoin investment schemes, scammers contact investors claiming to be seasoned “investment managers.” As part of the scheme, the so-called investment managers claim to have made millions investing in cryptocurrency and promise their victims that they will make money with investments. Soon after making deposits, victims are asked for more payment which they eventually are unable to withdraw or communicate with the investment managers. It is extremely difficult for police to recover funds once they have been transferred to these fake investment companies, therefore, crypto recovery services like COIN RECOVER Contractors come in handy. Essentially, COIN RECOVER began as a low key operation targeting fake exchange platforms that scam innocent naive investors. They would track down their identity and return the deposits to the victims anonymously. Recently, they created a channel through which victims can approach them to present their individual cases. If you have encountered such investment platforms or know a victim, contact them through email COINRECOVERSERVICE @ GMAIL, COM
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My recent financial struggles led me to look into internet investing as a way to strengthen my position.But I made an error of putting my trust in uknown people.I was initially informed that I am the only one with access to my accounts and may withdraw my earnings whenever I feel like it,but even though I received some payouts ,it soon became clear that these scammers had gained complete access to my funds,even though i had never shared my password.I invested $1000 at first,expanded my account,and took out $6000 and $4100 in withdrawals.After making a successful withdrawal,i discovered there was a referral incentive,which encouraged me to get my friends to sign up for the site as well.Unfortunately,I was unable to get any money back from this action,thus it backfired.As I was unable to obtain any money this time.They offered justifications and demanded payment for the withdrawal.When I realized how ridiculous the situation was and regretted bringing my pals.I found out that I had $65,000 stuck and my friend had invested $32,000.To get his money back,my friend had to find a different way,and he kept me updated on his progress.He enthusiastically confirmed getting his money back within 48 hours.I called Cyberetrieve a recovery firm that helped my friend,feeling both shocked and hopeful at the same time.They restored my happiness by assisting me in getting my money back.You may also be able to get your money back if you find yourself in a similar circumstance.Contact Cyberetrieve if youd like to retrieve your stolen btc contact info:
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How much longer will you have to wait for the recovery of your stolen funds?How many recovery specialists have you contacted in an attempt to get your stolen money back?As a victim of a fraud,I also lost $456k in cryptocurrency to a phony bitcoin broker.Regaining what I had lost wasn’t simple,but it was possible,particularly after reading a review about CYBERETRIEVE.I received assistance when I contacted them at cyberetrieve@mail.com,which is their official email address.Other contact information are:
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I reached out to their team and they were were understanding and guided me through the recovery process, offering support and expertise in dealing with such fraudulent situations.I’m now committed to sharing my experience to help others avoid falling into similar traps. The lessons learned are invaluable: be cautious when dealing with online investment offers, verify the legitimacy of any platform before transferring funds, and seek professional help if you suspect fraud. Thanks to Cyber Tech Wizard{cybertechwizard@cyberservices.com} WebSite… https://cyber-tech-wizard.ltd intervention, I’m optimistic about the possibility of recovering my funds and ensuring that no one else suffers from the same scam.
Hello people, my name is Nancy fromAtlanta. Here is my sad story on crypto fraud. In late 2019, I learned about thepotential rise in crypto prices. The outbreak of the pandemic brought thisabout. There was a lot of country panic and any crypto investor knew that thiscould result in a higher use of smart money and cryptocurrency. Hence potentialspiking of price. And so I had to invest my money into related investmentsquickly. In my quest, I came across agent Antony Dremiges, who was under thecompany called Xchief.com for crypto investment. I made my deposit of 2Bitcoins which equals $129,818. Everything is going on great as everyone whohas been scammed has probably experienced. Until it was not. I got blocked frommy account as they denied my access. I sought help relentlessly. Tried a fewhackers to no avail but finally and thankfully landed on one DECODE HACKERS. Theywere perfect at what they did. Returning what belonged to me was just touching.I’m sharing my review in case someone out there has gotten impatient. Get help.Email: decodehackers(AT)gmail(DOT)com or Telegram: (PLUS)1 (917) 384‑3379
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