Peering over the hill...

Grogged · 15 June 2020 at 8:34AM

All I remember is the food…

Bit of a pottering weekend as the weather played funny boogers. Wanted to do some garden tidying, but gave up after third soaking, it just couldn’t make up its mind to be sunny, dark and broody or raining.

That said all I really remember is the breakfast muffins with scrambled egg and bacon, Saturdays Chinese “left over” feast and Sundays pork roasty using a portion of pork from last weekend.

Have I got my priorities right I wonder…?

MrsG SIPP

We had some more P2P payments come in, so this has been topped up to £1,440, which is half of her annual allowance. Decided to go on the monthly instalment plan for the rest of the years payments, so that’s £160 per month. This seemed more sensible than waiting on the randomness of the P2P payments. These will now go straight to savings, which is where the SIPP payments are coming from.

The £20 nosedive after buying the first load of funds was made up of a £22 equity loss and a £2 bond gain, which even at this small scale shows how bonds can help offset equity losses and why you should have them as part of your portfolio.

This weekends top-up left us with £610 in the kitty, so have spent £200 this morning to top-up, 70% going to equities and 30% to bonds.

Will look to do this over the next two weeks as well, after that it will be down to the regular monthly contributions and the pension transfer, which we’ll look to drip feed in weekly over 3 months.

Without a time machine you can never time the markets to buy at the cheapest price or sell at the highest. Regular purchasing aims to average out your prices, which means you’ll miss out on some bargains, but also over pricing.

Grogged · 16 June 2020 at 7:49AM

Had a lovely big thunderstorm last night at about 10:30 for half an hour or so. Doesn't seem to have cleared the air, but was pretty impressive.
TT £5.26 off the mortgage, which has also reduced the daily interest by 1p to £4.54! Looking forward to saving that £1.80 in interest for the rest of the year! 😂
Defrosted a beef chilli for dinner, we seem to be able to get four meals from our Sunday roasts, not sure if that's good or not?
Quite into the swing of freezer life, frozen milk is working well, plucking up the courage to freeze cheese next...
Next fortnight shop is Thursday, so finalising the list and planning it out on the whiteboard to minimise shopping time.
Keep safe.

Thick_n_Thin · 16 June 2020 at 7:29PM

I quite often freeze cheese with no problems 👍🏻

Grogged · 16 June 2020 at 9:40PM

Thanks TnT, does it take an age to defrost like milk does?
So far today we've had three thunderstorms, one early morning, one late morning (both about 15-20 minutes) and the last has been on going for around an hour so far. Crept up on us for around 15 mins, hung over us for 15 and been slowly creeping away for the last half hour. Some great peels and flashes.

coldcazzie · 16 June 2020 at 10:52PM

We've not had any thunderstorms; I'm thoroughly disappointed.

South_coast · 17 June 2020 at 7:29AM

Nor have we, but apparently lunchtime today is the time!

Grogged · 17 June 2020 at 8:03AM

If it's anything like here you'll get a good show!

coldcazzie · 17 June 2020 at 10:27AM

We'll see I guess, but the met office has it dry here until this evening and then light rain. However, tomorrow looks very wet so perhaps we'll get lucky then!