Learning to walk before I run

edinburgher

Found a whole £3.08 to pay into my SIPP on the last day of the month - £3.85 after tax relief. Double caviar for Mr E come 2041

savingholmes

You certainly demonstrate how the little wins add up

killerpeaty

It always interests me how people do little cash movements. I can see it's very motivating, I assume that there is an expense to the various institutions. Where does that go? 

QueenJess

killerpeaty said:

It always interests me how people do little cash movements. I can see it's very motivating, I assume that there is an expense to the various institutions. Where does that go? 

I just put the fees into the same section as the underlying capital appreciation/depreciation bucket. So just decreases any growth. Seemed the simplest thing to do and I think lots of people chatting about growth online do the same.

Cornish_mum

Congrats on the great savings rate, very impressive while you are renovating! CM

edinburgher

@killerpeaty - are you talking about transaction fees or something else?

edinburgher

It's the 1st of the month and all my DDs have flown the nest

I don't think the PB draw has taken place yet, but Ch@se have paid interest for last month. I'll probably need to switch to V1rgin at some point, we need every penny of interest we can get at the moment!

• £113.47 OPed
• £113.47 Paid into my ISA
• £5.16 paid into my SIPP (£6.45 after tax relief)
• £46 paid into DD1 ISA, £33 paid into DD2 ISA

That will do for future goals for the first day of the month

 

Cheery_Daff

Excellent work! 

Premium bonds have been drawn - but unless you get a phone call from Agent Million, or can find yourself on the list of high value winners, you'll have to wait til tomorrow to find out...

https://www.nsandi.com/prize-checker/winners

savingholmes

Well done on the money shuffle.

edinburgher

Work has been an absolute slog this week (although I am being relatively productive) and I find myself looking at career change type resources. I'm not sure whether I'm just a genuinely unimaginative individual, wholly institutionalised or these sorts of websites are full of crap written by people who have had a new career drop into their lap through luck and then try and rationalise it as being down to awesome out of the box thinking on their part

This malaise is not helped by the fact that the builders have now accidentally drilled through the ceilings of every room on the first floor of our house

£5.36 paid into my SIPP (£6.70 after tax relief). If I keep doing my best to provide for our future, one day it will be the present and I'll not need to think about this carp anymore. Still, can't wish my life away. SIPP money came from Prolific who are still keeping my coffers topped up even though the flow of work has dried up somewhat due to university holidays.