"Isn't it nice to think that tomorrow is a new day with no mistakes in it."

LadyWithAPlan

Just read through your diary, you are always so busy and focused. Loved how you seemlessly went form redundancy  to a new job. 
Hopefully you will recover from LC before too long..

Just a random thought on your pension. You might not want to all bunch them together as it will possibly give you more flexibility as there are various rules about drawdown which will probably change 20 times before you are ready to retire and having the odd small pension pot can be helpful. 

 I have 2 SIPPs and actually Vanguard is great for much lower costs than my HL - it is shocking the difference in actual costs  and I can balance them both as I need. 

greenbee

Brave of you to read the whole thing! 

Re. the pensions - I've got lots of them... 2 SIPPs, 1 DB, 2 DC, 1 SERPs exemption and my current on which is whatever they've grudgingly set up. I need to sort out the SIPPs as they have WAY too many funds in each of them, partly because I've transferred things into them. One was originally a personal pension, then was combined with a company SIPP, which then became a personal pension again when they changed provider. The other SIPP was also originally a company SIPP. But thanks for the reminder about checking the ages at which I can (theoretically) take them. 

My ISA also has too many funds, but I hate selling funds. I'm currently using II as I thought it would make the management easier and cheaper, but I have no idea whether it is or not, and haven't had the time or brain power to look at it properly recently. 

LadyWithAPlan

Yes it can get very complicated. I think if you are happy with the funds fine, but it is worth checking their charges and if they still balance out for you.

I also hate selling funds but I think an annual at least look at what is performing badly and whether it is the market it is in or the actual fund managers... I had one fund that just never really moved for years v the market so in the end I was glad to get rid of it.  Some investors will set rules like if it underperforms it's peers by X percent or, if it drops through a chart line if you track such things  or  drops by 5%   in normal trading conditions.

I dont have that many shares, mainly REITS, ETFs and funds but of the shares I do all but one of them are doing well. However the one that isn't I do need to sit down and look at if its market, covid related and how it is doing against its peers. So I get your pain

Cheery_Daff

Flippin heck, that is a LOT of plans for September!! 😮 I will be very impressed if you even manage half of them!

greenbee

Cheery_Daff said:

Flippin heck, that is a LOT of plans for September!! 😮 I will be very impressed if you even manage half of them!

So will I! Mostly I expect I'll do some work and try to keep on top of the laundry while preventing the house from descending into squalor

Cheery_Daff

😂😂😂 realistic goals for us all 😂😂😂

South_coast

Yep, I'm happy with that as a target 😀

greenbee

I might even qualify it with 'doing enough work to stay employed' 😎

Today I've made a start on yet more mowing, and emailed the garage with potential dates for my MOT & service seeing as they kindly sent me a letter to remind me. Hopefully the chimney sweep and boiler engineer will do the same shortly. 

greenbee

Payday today, so I’ve done my usual early morning shuffle for the last day of the month. I’ve made a big OP (which means that I’ve paid more than double the regular payment this month - probably my largest to date) and when I can drag myself out of bed and find my laptop, I’ll shift another chunk to PBs. 

Otherwise today is laundry, watering and work.

greenbee

Premium bonds bought, dregs of leftovers shifted into savings account for now. Watering done (too drizzly to put washing out, not enough to not water). And I remembered to add feed to the watering can... 10 minutes pilates, and the robot is now busy in the sitting room... just off to poison the drive before I have a shower, shove more washing in and turn up to work to see how my boss is feeling after a week off...