new mfw

setmefree2

Good Luck with that target:D

chirpchirp

First sale on Green Metropolis!!!

Now I need to work out how to get it to packaged and to the post office.

Queen-Bee_2

chirpchirp wrote: »

First sale on Green Metropolis!!!

Well done!

I need to buy some course books for my MA, cos the ones in the library are not the latest editions - can anyone advise on a good web-site for secondhand academic books? (I'm going to check out Green Metropolis)....
QB

chirpchirp

I've caught up with all the posts and I'm feeling a little bored as I have nothing left to read.

Had a bit of a spending splurge this weekend. Eldest went to a party yesterday and everything was a bit of a rush so we ate out. Then afterwards we met a friend and went to the pub for a drink. Today we had Mcdonalds as I hadn't left enough time to make something and we needed to be at a competition the kids were entering by 1pm so I could unlock the doors etc so couldn't be late. By the time we had cleared up it was 6.30 so we dashed to a carvery and got in at 8.15 -ready for the bedtime routines! Everything seems so hectic. Anyhow, regretting the spending a little but was worth it in the end as the children actually thanked me for treating them! When their Dad was here they saw it as a norm to eat out so it just shows I have actually cut it all back!

I have just looked at my spreadsheets and found something which may be of use to share. I first started to keep a spreadsheet in February to help me budget when my finances officially seperated from ex husband's. It's interesting to see how the interest has changed overtime - and not just because I have managed to save a little extra as a buffer each month so I thought I would share the amounts with you. All amounts are gross.

Feb = 0.20
Mar = 0.24
Apr = 0.31
May = 0.29
Jun = 0.30
Jul = 0.27
Aug = 2.98
Sep = 5.23
Oct = 7.60

Up until August I was receiving 0.10 on my whole balance. Part way through August I swapped to a tiered interest rate using LLoyds vantage. I'm really surprised at the difference it is making!

chirpchirp

Just writing this to log where I am with the payments. According to my signature as of 31.7.09 my S&S ISA was at £18944.35. As of this month I increased my monthly contribution to £300 a month. Having just rang to find out today's value it is £22248.01. That's an increas of £3303.66. During which time I have invested £600. I will also have lost a small amount when I transferred between funds.

I have also rang mortgage company and increased my payment by £400 until further notice. Not sure how long I will be able to keep this up and I know I would be better saving it in my current account but I am more likely to spend it there.

Electric company have sent a letter wanting me to reduce my amount from £48 to £12 a month. I have asked them to keep it at £48 as I know my consumption will increase considerably in the next few months.

I actually feel like I am making some progress tonight!

chirpchirp

Oh, I forgot - Stuart if you're reading this do you know how to work out the percentage growth of my investments since March or July taking into account the new payments?

Also, can anyone check how much I should be paying if I was on a repayment mortgage to finish in March 2027? I was told a much smaller amount than I expected when I rang the mortgage company despite having looked at mortgage calculators so I would be interested to know anyone else's calculations.

StuartGMC

Hi ChirpChirp

To work out the growth on my holdings I use a spreadsheet and have a separate page for each financial year (April-March). Each purchase made is recorded (units and price) and totalled so you can get total units, and with present price get the holding value plus total cost to buy them.

To see if you are profit or loss, just work out the average price per unit by adding up the total cost and divide by number of units. The difference between average price and the current price will give you the profit/loss per unit and that multiplied by your holding will give total profit/loss for that fund.

Do that for each and you can then look at total portfolio. You can also then add in sales and their value plus profit or loss so over time you can gauge your total positio,

NOTE: if all the above is not clear, then just work out your average price per unit and set up a free portfolio on Trustnet so you can dial in the total number of units, average price and it will let you know the profit or loss for each fund and overall portfolio.

HTH

setmefree2

chirpchirp wrote: »

Just writing this to log where I am with the payments. According to my signature as of 31.7.09 my S&S ISA was at £18944.35. As of this month I increased my monthly contribution to £300 a month. Having just rang to find out today's value it is £22248.01. That's an increas of £3303.66. During which time I have invested £600. I will also have lost a small amount when I transferred between funds.

I have also rang mortgage company and increased my payment by £400 until further notice. Not sure how long I will be able to keep this up and I know I would be better saving it in my current account but I am more likely to spend it there.

Electric company have sent a letter wanting me to reduce my amount from £48 to £12 a month. I have asked them to keep it at £48 as I know my consumption will increase considerably in the next few months.

I actually feel like I am making some progress tonight!

Yay Lots of Good News there

Queen-Bee_2

Well done on your progress - do keep up the good work. It's motivating to those of us who read your diary too! QB

SOandSO

Hi

I've just popped into your diary to say hello - and see if I can successfully subscribe.

We seem to have similar targets!!!!