It's time to start digging up those Squirrelled Nuts!!!!

bigfer

Ryanair have always refunded me my cancelled flights during covid19. If you want poor service, Iberia will take some beating.

Sea_Shell

Pretty pleased with myself yesterday.    We have recently changed energy suppliers, and provided our opening readings to our new provider, who in turn passed them on as closing readings to our old one.

I worked out what I thought would be our final bill from the old one, and when the actual final bill came, it matched my calculations TO THE PENNY!!!

Now being spot on, is more by luck than judgement, due to the fluctuation in calorific value of the gas, but of late I'd been using a crude calculation of M3 x 11.16 = KWH, which was on the button.

fred246

I used to change supplier regularly. Each time I changed one of the suppliers would end up overcharging me. I always got it back in the end but I am convinced that they get the meter readings wrong on purpose. Most people don't check. I always check that I am on a reasonable tariff but I am afraid I really can't be bothered with all the hassle just to save a few £. Not very MSE. They need to be better regulated to prevent them overcharging at switching.

Sea_Shell

We wouldn't have bothered for a few ££, but our old suppliers best new tariff would have been £136 pa more expensive.

That's a lot of parking, fish & chips and fridge magnets!!!!

LHW99

fred246 said:

I used to change supplier regularly. Each time I changed one of the suppliers would end up overcharging me. I always got it back in the end but I am convinced that they get the meter readings wrong on purpose. Most people don't check. I always check that I am on a reasonable tariff but I am afraid I really can't be bothered with all the hassle just to save a few £. Not very MSE. They need to be better regulated to prevent them overcharging at switching.

You don't even need to switch. I am battling Eon at the moment because they used the same starting meter reading on two successive bills, so charging for the same electricity twice over.

Always check IMO

cfw1994

Sea_Shell said:

We wouldn't have bothered for a few ££, but our old suppliers best new tariff would have been £136 pa more expensive.

That's a lot of parking, fish & chips and fridge magnets!!!!

We've been dining out for two years with Octopus Energy!  
Helps to get a few referrals, but taking those out, our monthly cost is the same as before.....
....but for 2 years we've had a Kona EV that we've done over 22k miles in, and almost exclusively charged at home, about doubling our electricity use - their Go tariff works brilliantly (for us).
Not all energy companies are the same    
If anyone wants a referral, feel free to msg me (doubt that is allowed on the forums): a cheeky £50 each, & I am happy to donate half mine to a charity of your choice!

michaels

Agree Octopus are great although you could get cheaper gas by splitting supplies and asking me by pm for a£25 referral to go to for example utility point. However technically we are not allowed to do referrals here, only on the referrals board. 

Sea_Shell

Yeah, I'd rather not turn this into an energy referral thread, from one off-the-cuff remark about my maths skills!! 😇

Sea_Shell

Just been looking at our overall portfolio split between Equities/Bonds/Cash. 

We're currently at approx.
Equities - 60%
Bonds - 30%
Cash - 10%

So if these performed at 4%, 2%, and 0.5% respectively, going forwards, that would return us approx. £18,500 pa.

Current spends, 12 months to date, is £12,700.     This includes 4 UK short breaks and our two new leather recliners, which account for about £3000 of that spend.

shinytop

Sea_Shell said:

Just been looking at our overall portfolio split between Equities/Bonds/Cash. 

We're currently at approx.
Equities - 60%
Bonds - 30%
Cash - 10%

So if these performed at 4%, 2%, and 0.5% respectively, going forwards, that would return us approx. £18,500 pa.

Current spends, 12 months to date, is £12,700.     This includes 4 UK short breaks and our two new leather recliners, which account for about £3000 of that spend.

We're similar, about 62/26/12. But we do have DB pensions too.  At the moment, like you, our investments are earning more than we spend.  Hopefully there will be more spending opportunities for us all in the coming months!