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EH - Keeping on track. (AKA focus Woman! FOCUS!)

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Comments

  • mooomin
    mooomin Posts: 13,703 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Combo Breaker
    The process of transferring was really smooth too. Halifax would send me texts during the process so I knew what was happening. Would recommend it.
  • Cheery_Daff
    Cheery_Daff Posts: 17,952 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    I confess I closed my ISA and just opened a normal savings account :o I have always just assumed that any amount I had in there would be so small as to make a piffling bit of interest and so wasn't worth the bother :o

    Never actually bothered to work it out though! :o

    So, yet again, don't do what I do, do what EH does :D :rotfl: :rotfl:
  • mooomin
    mooomin Posts: 13,703 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Combo Breaker
    Cheery I was the same for ages, never had more than a couple of hundred pounds in mine. Then I thought I would rather keep my 5p of tax than send it to the government so kept money in my ISA instead - that's why I have an instant access one :D

    I'm in a slightly position now as being made redundant a couple of years ago meant I had money in it, so I was getting an extra few pounds by having the better rate. Better in our pockets than theirs ;)
  • EssexHebridean
    EssexHebridean Posts: 25,296 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    edited 9 May 2014 at 4:08PM
    Cheery I reckon Mooo's right - definitely better in my pocket than the tax man's - it annoys the heck out of me that we work, pay taxes, and then anything we save from our pay promptly gets taxed a second time. Infuriating! Maybe try working the maths based on your long term savings pot?

    Today's update :

    NDS's - 10 3/10
    Food - 3 x shopping trips needed* 2/3
    Food : Meal plan right through the month Doing well with this at the moment
    Grocery Budget: No more than £70 spent £45.89/£70
    Survey Network: Hit £20 threshold and request payout
    OnePoll : make 50p a day average in answered surveys £6.60/£15.50
    ISA : get them sorted - [STRIKE]1 new[/STRIKE], 1 for transfer 1 new opened and first deposit made
    Electricity : Get it changed to new supplier. done - going to Flow Energy - no exit fees so if they're rubbish we'll leave again! :D
    Tax Return - complete and submit DONE! :j
    Extra Hours worked: 3.5/10

    Today is not a NSD - the shopping, for a start, and I also spent £6 booking MrEH a coach across from London to Bristol - we're camping over that way for the weekend, on the Saturday I'm going to Weston-Super-Mare for an airshow, and MrEH is going to explore Cheddar Gorge and that area I think, and on Sunday we're coming back via one of my very best friends who I've not seen in an age, so that'll be good! Also trying to arrange a meet-up with another pal in Bristol on the Friday. :D I'll take the car over, and then he'll get to Bristol shortly after 9pm, so that'll work well. :T
    🎉 MORTGAGE FREE (First time!) 30/09/2016 🎉 And now we go again…New mortgage taken 01/09/23 🏡
    Balance as at 01/09/23 = £115,000.00 Balance as at 31/12/23 = £112,000.00
    Balance as at 31/08/24 = £105,400.00 Balance as at 31/12/24 = £102,500.00
    Balance as at 31/08/25 = £ 95,450.00
    £100k barrier broken 1/4/25
    SOA CALCULATOR (for DFW newbies): SOA Calculator
    she/her
  • starnac
    starnac Posts: 5,946 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Photogenic
    You are coming so close to me and you'll be so busy. That's a shame. :( sounds like you'll have a lovely time though.

    I agree with the ISA issue. Like you said why should we pay tax a 2nd time?? It's wrong!
    Goals for February
    Declutter 2/50
    Money Made £0/£200
    Overpayments £0/£200
  • EssexHebridean
    EssexHebridean Posts: 25,296 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Of course - we'll be just the other side of the water really, won't we! Wish we had a bit more time - would have been great to have met up again!
    🎉 MORTGAGE FREE (First time!) 30/09/2016 🎉 And now we go again…New mortgage taken 01/09/23 🏡
    Balance as at 01/09/23 = £115,000.00 Balance as at 31/12/23 = £112,000.00
    Balance as at 31/08/24 = £105,400.00 Balance as at 31/12/24 = £102,500.00
    Balance as at 31/08/25 = £ 95,450.00
    £100k barrier broken 1/4/25
    SOA CALCULATOR (for DFW newbies): SOA Calculator
    she/her
  • starnac
    starnac Posts: 5,946 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Photogenic
    It's less than an hour away. My sister lives there so we do the trip quite often :) next time x
    Goals for February
    Declutter 2/50
    Money Made £0/£200
    Overpayments £0/£200
  • EssexHebridean
    EssexHebridean Posts: 25,296 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    You could always bring DD through to Weston so she can see that the Red Arrows really DO exist! :D
    🎉 MORTGAGE FREE (First time!) 30/09/2016 🎉 And now we go again…New mortgage taken 01/09/23 🏡
    Balance as at 01/09/23 = £115,000.00 Balance as at 31/12/23 = £112,000.00
    Balance as at 31/08/24 = £105,400.00 Balance as at 31/12/24 = £102,500.00
    Balance as at 31/08/25 = £ 95,450.00
    £100k barrier broken 1/4/25
    SOA CALCULATOR (for DFW newbies): SOA Calculator
    she/her
  • Greying_Pilgrim
    Greying_Pilgrim Posts: 7,346 Forumite
    Part of the Furniture 1,000 Posts Photogenic Name Dropper
    :o:o:o Um, hi EH, erm, um, er, it appears I've erm, been inspiring all over the place again, erm, I do apologise :o

    I'm under the doctor for it :o

    Um, I better go and find a mop :o Erm, and a big bucket :o

    Greying :o

    :rotfl::rotfl::rotfl::rotfl:
    Grocery Spend December 2025 - cash £187.28/£171  MrS vouchers £20/£20 MrT vouchers £9/£9
    Non-food spend December 2025 £64.52/£50 
    Bulk Fund December (month 12 of 12) £0/£9.12
  • Cheery_Daff
    Cheery_Daff Posts: 17,952 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    :rotfl: greying :D

    You're all right, of course, I should go away and add things up properly! A few quid is a few quid after all!
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