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

sheslookinhot

Sea_Shell said:

HMRC Cheque received!!!

Matches what we were expecting, to the penny.

Handy, as we're popping to town on Wednesday already.


And we put in a request to sell £15k of our premium bonds too.

Now to find a home(s) for it all 😉

What was total time from first application please ?

Sea_Shell

sheslookinhot said:

Sea_Shell said:

HMRC Cheque received!!!

Matches what we were expecting, to the penny.

Handy, as we're popping to town on Wednesday already.


And we put in a request to sell £15k of our premium bonds too.

Now to find a home(s) for it all 😉

What was total time from first application please ?

It's all here in my other thread... https://forums.moneysavingexpert.com/discussion/comment/78615360/#Comment_78615360

6 months in total, but that includes them wanting confirmation of taxable interest earned during 20/21, so that slowed it down a bit (not by us, we had the information to them by return of post!)

Sea_Shell

So, how to re-allocate our ~£54k cash pot.    It currently is split as follows:

£40,000 - Premium Bonds
£5,000 - Club Lloyds
£4,200 - Tax rebate cash
£3,500 - P2P Loanpad
£1,000 - Marcus

We're cashing in £15,000 of the PBs, and banking the £4,200.    Once that all hits the bank then...

We're looking at putting £10k in a 1 year savings bond (1.7%)
Keeping back ~£10k between Lloyds and Marcus* (to live on - top up Drawdown)
Put another £5k into Loanpad @3% (with the risks attached to that)

So we'd be:
£25,000 - PB
£10,000 - Raisin (Paragon)
£8,500 - Loanpad
£5,000 - C Lloyds
£5,200 - Marcus


Or any other configuration of the above!!? 



*I know about the new offering from Chase, but have parked that for now.  I'm running out of app space on my phone!!

bluenose1

Paid  into our SIPPs yesterday to maximise tax advantages for 21/22.
Haven’t picked the best week for a holiday to the Lakes, hired a cottage with stunning views, yesterday wasn’t great but have woken up today to heavy mist and rain. Oh well wet walking gear on and we will go for a 5 mile walk, then read our books.  

Could be worse, so enjoying not  being in work, being away from it  makes me wonder why I let it get me so stressed.  Yet no doubt next week I will be back to stressing ……. 

MallyGirl

moving_forward said:

I love those squirrel GIFs ❤️ we do t get any squirrels at this house so have to go find them at the park to feed.

I am currently looking at one hanging upside down on the bird feeder. I don't mind as they are cute!

moving_forward

It sounds like alot of work seashell. But probally enjoyable as it's all for your well-being not someone else's. 

Retireinten

DT2001 said:

Retireinten said:

We're thinking of buying a bit of kit that will redirect our excess solar to heat our water via the immersion heater so we could potentially run the house without gas in the warmer months.

Highly recommend - we bought one about 3 years ago as we have an unvented system with a large hot water tank. I reckon it paid for itself in about 2 years, even then. Minimal gas consumption from April to Oct.

Installed it at the weekend, it works a treat. I was ever so slightly hungover on Saturday but even this did not affect the excitement at seeing the immersion heater ramp up to 2.8kwh when we switched it on. It wasn't the best day weather wise yesterday and it still produced enough hot water for a couple of showers.

Really pleased with it, expect to use very little gas now over the next 6 months or so. 

ex-pat_scot

We keep telling our father in law to grease the bird feeder pole to dissuade the squirrels.

https://www.bing.com/videos/search?q=squirrel+greased+pole+bird+feeder&&view=detail&mid=4C7F121A26A528B6E18B4C7F121A26A528B6E18B&&FORM=VRDGAR&ru=/videos/search?q=squirrel+greased+pole+bird+feeder&FORM=HDRSC4

Time4T_Accounts

Sea_Shell

We're looking at putting £10k in a 1 year savings bond (1.7%)

You could do 10 x Virgin M plus accounts @ 2% each, and the cash wouldn’t be tied up either.  It’s a bit of a faff to set up, but maybe worth it? Once the first one is done, I’ve found that subsequent ones take no more than 2 minutes each to do.

MallyGirl

Retireinten said:

DT2001 said:

Retireinten said:

We're thinking of buying a bit of kit that will redirect our excess solar to heat our water via the immersion heater so we could potentially run the house without gas in the warmer months.

Highly recommend - we bought one about 3 years ago as we have an unvented system with a large hot water tank. I reckon it paid for itself in about 2 years, even then. Minimal gas consumption from April to Oct.

Installed it at the weekend, it works a treat. I was ever so slightly hungover on Saturday but even this did not affect the excitement at seeing the immersion heater ramp up to 2.8kwh when we switched it on. It wasn't the best day weather wise yesterday and it still produced enough hot water for a couple of showers.

Really pleased with it, expect to use very little gas now over the next 6 months or so. 

OH has raised the question of using some cash (liberated by early crystallisation of some of his pension) to maybe look at solar panels. It's a big SW facing roof but is in a conservation area so there might be constraints. A long time ago we saw a system that looked like slate - no idea how much the technology has moved on since then. It would also help to keep the temperature down in the attic room which is his office. Cutting down our fuel bills would make a big difference in our outgoings