Lois_E begins a long MFW journey

edinburgher

Happy new year Lois - here's hoping it's a special one.

Lois_E

Thanks Jellie & Ed.

Good news about the printer cartridges - I thought I needed both black and colour, but it seems the colour one's got quite a bit of life left in it, and everything's printing just fine now I've replaced the black one. So that means I can keep the colour one in reserve for when it really does run out.

Just heard some people we were going to visit later this week are ill so we won't be going. Will have to go to the post office tomorrow and post stuff that we would have taken with us. Hope the postage isn't too expensive.

nattypants

Happy New Year Lois:D I'm going to read your diary from start to finish tomorrow X

misscousinitt

Happy New Year Lois.

MCI

Lois_E

Oooh Natty - that'll take you a while. Hope you enjoy reading it, anyway.

Thanks for the NY wishes, Natty & MCI :wave:

Lois_E

Been reconsidering the whole ISA question.

At first, I thought that I ought to move some money into my ISA now, in advance of my planned ISA sorting out in mid March, because it would earn more money there than it’s earning (net of tax) where it is at the moment. And although until I see how things go with the builder I don’t know how much I’ll have available to move into the ISA by the end of the tax year, I do know there will be some.

However, looking into Martin’s best ISA pages, I see that there are much better rates available for new money than for transferring old ISAs. So if I’m going to put new money in, it needs to go into a new ISA, not the old one that’ll need transferring when its bonus rate runs out. However, if I open a new one, I’ll only get a decent rate for the first year, so I ought to wait until I can put it all in at once.

This is sad in a pathetic sort of way because putting some into the ISA now would have meant a change in some of my sig numbers and my sig “neutral date” now, rather than having to wait for March. However, that really ought not to be a consideration if doing it the other way is going to earn me more interest all next year.

So I’m going to wait for March.

nattypants

Lois_E wrote: »

Oooh Natty - that'll take you a while. Hope you enjoy reading it, anyway.

Thanks for the NY wishes, Natty & MCI :wave:

I'm just on page 7 - you are a spreadsheet genius, and apart from the genius bit I am already resonating with so much you are saying:)
I've been on my diary talking about juice, but am back now:D

Calfuray

I've followed natty and just finished reading your whole diary. I didn't fully comprehend the depths of your spreadsheet addiction before now...

Lois_E

Yeah, it's bad.

Just posted on your thread with an answer to gallygirl's spreadsheet problem.

Congratulations on wading all the way through my diary, though. It's getting quite long now. Well, by my standards, if not by Tilly's. I love having readers, though, so thanks muchly.

nattypants

On page 18 now.....I'm not that slow a reader, I have been doing other things, I promise;)