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Sorry to hear about your circumstances.
I obviously don’t know your full circumstances however you may be eligible to get PIP, personal independence payment. I believe it is around £400 a month and is not means tested. May assist in your current situation if not already aware/ interested.
If you are patient, get an update when atsbullion gets some in and save £70.
As Happypanda88 says, they are the same every year so I don't see why the year matters.
They do get them in occasionally; I've seen them in stock at least twice since I started buying gold earlier this year.
Personally, I would not pay a high premium for a coin with a design that stays the same year on year.
There is nothing special about them other than say the mintage for certain years. For example, the recent gold Libertads. I view the buffalos in the same category. Yes, there are nice. But at today's high premium, I wouldn't be tempted at all.
Thanks everyone for the good guidance. I think I know my path forward now, which is probably either keep them or sell them in batches on the forum.
Mind letting me know which one worked out for you? (or I can message you direct if preferred - cheers)