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Gallygirl's "A journey of 121,226.67 pounds begins with a single penny" diary

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  • gallygirl
    gallygirl Posts: 17,240 Forumite
    Part of the Furniture 10,000 Posts Photogenic Name Dropper
    edinburgher wrote: »
    Who is your SIPP with GG? That's a very low equity percentage - do you have defined benefit pensions to come? :)
    Early lunch :).

    The one I've opened is with Bestinvest - on the :money: table they were about the cheapest. My other one is with HL and my company one with Friends Life - it will go into Bestinvest when I finish work. I do want to keep separate pots so I can take 25% from each at different times, and this is my 'probably first' fund, hence only 40% in funds. If you recall, previously I've been 100% in equities which made you :eek:. The company pension will probably also go into the 40% fund. Getting safe in my old age :rotfl:.

    Off to buy some cottage cheese "boak" :o.
    A positive attitude may not solve all your problems, but it will annoy enough people to make it worth the effort
    :) Mortgage Balance = £0 :)
    "Do what others won't early in life so you can do what others can't later in life"
  • edinburgher
    edinburgher Posts: 13,932 Forumite
    Part of the Furniture 10,000 Posts Name Dropper
    Can't see them on Quidco? Been considering moving some bonds to a SIPP.
  • gallygirl
    gallygirl Posts: 17,240 Forumite
    Part of the Furniture 10,000 Posts Photogenic Name Dropper
    edinburgher wrote: »
    Can't see them on Quidco? Been considering moving some bonds to a SIPP.
    iMutual :)
    A positive attitude may not solve all your problems, but it will annoy enough people to make it worth the effort
    :) Mortgage Balance = £0 :)
    "Do what others won't early in life so you can do what others can't later in life"
  • HelenDaveKids
    HelenDaveKids Posts: 3,177 Forumite
    Part of the Furniture Combo Breaker Mortgage-free Glee!
    Impressive cash back. I've just put a claim in for our jollies as not showing.
    Morgage till Nov 30 GOAL MFW Sept 2016
    Aug 11 - £100k Aug 2016.... It's GONE!!!!!
    2014 GOAL HIT 5 Stone! 2016 GOAL to be a MF marathon runner.
    "A goal without a plan is just a wish"
  • edinburgher
    edinburgher Posts: 13,932 Forumite
    Part of the Furniture 10,000 Posts Name Dropper
    gallygirl wrote: »
    iMutual :)

    On Quidco? They must have been pulled already..
  • unhappy_shopper
    unhappy_shopper Posts: 1,304 Forumite
    edinburgher wrote: »
    On Quidco? They must have been pulled already..

    Here, HTH. :)
    Mortgage: @ Feb. 2007: £133,200; Apr. 2011: £24,373; May 2011: £175,999; Jun 2013: ~£97K; Mar. 2014 £392,212.73; Dec. 2015: £327,051.77; Mar. 2016: ~£480K; Mar. 2017 £444,445.74
  • gallygirl
    gallygirl Posts: 17,240 Forumite
    Part of the Furniture 10,000 Posts Photogenic Name Dropper
    gallygirl wrote: »
    Quick post before off to meeting. Posting my to do list as it keeps me on track:
    Check up on CS pension
    Check up on local govt pension
    Read tax advice (Tolley's)
    Email tax advisor after reading above
    [STRIKE]Ask questions on Landlord's Forum about non-residency[/STRIKE] DONE
    Print off non-residency forms for BTL's
    [STRIKE]Ring solictors - email address for wills update[/STRIKE]DONE
    [STRIKE]Send draft wills[/STRIKE]DONE
    Ring M&S re changing over account
    [STRIKE]Check cashback for SIPP[/STRIKE] Done
    [STRIKE]Open SIPP[/STRIKE] Done
    [STRIKE]Sort out parcel for returns [/STRIKE]DONE
    [STRIKE]Check ebay - non-payment dispute[/STRIKE]Done - :mad:. No response and checked their feedback - a few instances of not paying but can't leave negative feedback!

    3 ebay items sold (well, one sold last week finally paid :mad:), 54/365. 1 item binned, 55/365.

    Need to crack on with outstanding items this weekend :eek:.

    14,416 steps :T. Knackered :rotfl:.
    A positive attitude may not solve all your problems, but it will annoy enough people to make it worth the effort
    :) Mortgage Balance = £0 :)
    "Do what others won't early in life so you can do what others can't later in life"
  • gallygirl
    gallygirl Posts: 17,240 Forumite
    Part of the Furniture 10,000 Posts Photogenic Name Dropper
    Sleep



    YOUR SLEEP EFFICIENCY74%
    Your sleep pattern asleep awake
    • You went to bed at22:50
    • Time to fall asleep28min
    • Times awakened4
    • You were in bed for5hrs 3min
    • Actual sleep time2hrs 51min
    YOUR SLEEP EFFICIENCY68%
    Your sleep pattern asleep awake
    • You went to bed at05:22
    • Time to fall asleep43min
    • Times awakened3
    • You were in bed for2hrs 41min
    • Actual sleep time1hr 9min
    Think I could sleep now though :(
    A positive attitude may not solve all your problems, but it will annoy enough people to make it worth the effort
    :) Mortgage Balance = £0 :)
    "Do what others won't early in life so you can do what others can't later in life"
  • turtlemoose
    turtlemoose Posts: 1,682 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Combo Breaker
    ugh that's some grotty sleep stats. How did you work that out? some sort of monitor?
  • Karmacat
    Karmacat Posts: 39,460 Forumite
    Part of the Furniture 10,000 Posts Name Dropper
    Oh Gally ... do you know why? Does exercise have any effect? What's going on in your brain? Or with your mattress? Light levels during the day? Sorry, I bet you've talked about that a million times before, but those are things I've researched in the past myself. The monitor sounds amazing, though.
    2023: the year I get to buy a car
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