Travelling On 2 January 2018 at 3:38PM edited 30 November -1 at 12:00AM in Mortgage-Free Wannabe 5.9K replies 262.7K views

Karmacat

Gosh, badmemory, that sounds like bad *current* experiences, sorry to hear that.

Thanks Ed!  Must pop over and check how you're doing, SL mentioned on another thread you'd managed to lose a stone, which is exactly what I need to do.

I just tried to buy a small amount of premium bonds, to link up the accounts so I can send a big payment next week.  Sadly, came unstuck with the blocked debit card blocked only because I'm in the middle of changing the pin, and I abandoned the task halfway through.  I can only fix it at an atm, and I've scheduled a visit early tomorrow morning, when very few people should be about.  So I should be able to start the premium bond process tomorrow evening.  So I won't be able to tick the whole thing off till later next week.  That's okay, better than nothing.  In the meantime, I've found that I haven't listed my premium bonds on my safety backup list, so I can happily do that.  After that, it might be half an hour of snipping at things in the garden, as the rain has finally stopped.  

Cheery_Daff

Ooh, interesting you've gone for premium bonds KC - is that in lieu of a savings account? Ours has dropped to 0.01% interest or similar, so I need to do some shuffling, but keep putting it off because it's so darn dull But given the way interest rates are I did wonder whether having it in premium bonds might add a little tiny bit of excitement Although I do have £5 worth that someone bought when I was born, which have won literally NOTHING in the last 40 years, so...

Will go and investigate Martin's position (and you've reminded me to jolly Mr Cheery along in ordering a new debit card, his snapped several months ago and we've just been relying on mine since - much easier now we're not actually going anywhere but I would really prefer it if we both had one!)

Karmacat

Hi Cheery I *think* Martin's a bit doubtful of their value - it recently decreased again.  But rates are generally rubbish, I need to keep the interest earned low for next year as I'm now getting the state pension, and though it may not be the best, it's better than nothing, which is what it was literally earning before    I still have £200 in there from years and years ago, and if I'm putting lots more in, then you never know, I might win the million pounder, and finances will get a *lot* easier    

It's a good thing I started to do it today: I tried to put premium bonds onto my safety backup list, but getting back on to the NSI website and fully logged in/proving my identity, took more than half an hour, there's a lot of ID stuff to go through, which is fair enough.  So that's a job well done.

Totally agree that having two cards between two of you is a lot safer - if yours snapped too, you'd have to do it all at emergency speed, which is when mistakes happen.  I know whereof I speak 

Cheery_Daff

Ah, we may have been just going through the similar ID checks palaver - mine exacerbated by the fact that I never changed the address when I moved house (at least I don't think I did) so can't even register to look at things online until I've done that. First form filled in though, so stage 1 complete - tick!

edinburgher

@Karmacat - afraid the answer is basically meat and eggs!

shangaijimmy

I'll celebrate for you tonight!

Karmacat

Cheery_Daff said:

 First form filled in though, so stage 1 complete - tick!

Yay!  I love ticks  

edinburgher said:

@Karmacat - afraid the answer is basically meat and eggs!

You know what, that's the only sort of time that I'm jealous of meat eaters - it's *so* easy to have lots of different tastes and just be eating meat of one sort or another  

shangaijimmy said:

I'll celebrate for you tonight!

Thanks Jimmy!  

Karmacat

I didn't mean to be doing this so late ... but I've now done 7/120 of my tasks on the Big List, I've added checking my net worth, and also getting online to one of the biggish cash isas, it was a recent transfer.  Plus I've nearly done the English accounts (just got to check the privatisation shares and finish off sticking all the numbers in) and tomorrow morning I'm off to get my new debit card pin code at the atm, which is another item on the Big List that can then be ticked.  Definitely stopping now.

gallygirl

Happy New Year KC And many happy pension payments .
Remember you don't declare or get taxed on the first thousand pounds of interest so just stick the money where you´re getting the best (or least worse!) rate. 

Karmacat

Gally!  Hiya!  **bellows happily** lovely to see you!  Thanks for the good wishes, and definitely the same to you.  You don't *declare* the first thousand of interest?  I always have, I must say - I'm a bit scared to stop doing it in case an alarm goes off somewhere about a change in the method of declaration, no matter how small my account is in their terms   I'll have a look at that.

I was a bit tired this morning - I think two really late nights working on the figures has been a bit much for me, I've always liked being an early bird *and* a night owl, and it doesn't work unless you take care in the middle part of the day   But I managed to walk to the bank, just before the numbers of pedestrians really got mad, and I unblocked my debit card and gave it the same pin number as a couple of other things I have, hurray!  And when I'd got back, warmed up, and had a nice strong cup of coffee, I checked whether it had worked by putting NS&I on my Trusted Payee list, and bought £25 of premium bonds, just to link the accounts.  If all goes well, I'll buy the rest next week.

Final rejig of the Big List this morning, I discovered some duplication        so the current standing is 8/115 achieved, which is 7% **dances and flosses mercilessly**

The only thing left to do is find out how much the dividends from the privatisation shares are worth.  I've been wandering about all over their website, and they have everything but, so I'll ring them on Monday or Tuesday.