Learning to walk before I run

Karmacat

Oof, that does indeed sound dodgy.  That's a *lot* of companies  

Watty1

Oh that is a high ratio - 1 maybe 2 possible but not that many.  Sounds dodgy

edinburgher

While I suppose we're no worse off than we were before we got excited, I can't help but feel cross. I can see why people buy new builds! We did consider a 4 bedroom new build in a nearby area (same place with the fur coat and no knickers house). It was affordable(ish) at £339k, but the sitting/dining room was only 1' wider than our current sitting room.

I have bought myself lottery tickets for a few weeks (feel I need some luck at the moment) and have paid the same amount into my SIPP (£10, rounded up to £12.50 with gummint money). I recently switched to a 6 fund portfolio to bring down the cost of investing and was worried that it was going to be difficult to rebalance as I went with small dribs and drabs of money. I shouldn't have worried - Mr Market appears to have stabbed my SIPP repeatedly and everything was in the red I have been talking to DD a lot of late about trying to find positives out of negatives and "losing" £5,000 in the space of a couple of months would seem to fit the bill perfectly. I bunged the tenner into my US fund, as it was down by the most and was out of kilter with the allotted allocation.

Other than that, I have nary a jot of financial news.

Today is a fast day, so my exciting meals are: packet of ham with protein shake, poached chicken breast with leftover Greek salad vegetables and a protein shake and a can of tuna with a large plate of chips protein shake.

Happy weekend all, hope you're all finding silver linings...

South_coast

I'd just checked my ISA before I came on here, only to find my total growth is now down to 98p 😱 Now, I know there's only a small amount in there, but about two weeks ago I was up by over £50 😮!

Hoping for a rally before I check my pension figures on 01/02!

edinburgher

People with less equities will have been hit less hard - DD's small JISA (c. £1,000) is only down by c. 3.5%, but it has 20% bonds or thereabouts. My SIPP is 100% equities atm, so quite a big swing.

LadyGnome

I have a decent sized DC pot as I have been contributing for over 25 years.  It's painful to check it too often as the swings can be eyewatering, its moved by a 5 figure sum in the last couple of weeks in the wrong direction.  It's still up on its dire position a year ago which is some comfort.

I am sorry to hear about the builder but better you find out now rather than a week before you were due to start.

edinburgher

Thanks LadyGnome, you are right on both fronts

Feeling blue, the sky is grey and I have achieved the square root of FA on the builder front. I have tried requesting quotes on two of the aggregator sites for trades, but I don't think they're widely used any more (the only quote we got last time was from one of the dodgy builders). I've also messaged one builder on FB, emailed one and submitted enquiries on two web forms.

Other than that, DD and Mrs E were out (art class and meeting Gran). I've tried to keep myself busy with daft wee chores - loading and emptying the dishwasher, cleaning the cat water fountain, taking out recyling, cleaning out the coffee maker, boxing up the last few awkward Christmas decorations that I needed a fresh Am@zon box for, submitting meter readings.

South_coast

Now off to Google cat water fountains - who knew such things existed 🤔🤣!

edinburgher

@South_coast - dramatically upped our cats intake 

savingholmes

Just caught up on your diary. Ouch to getting a quote from a dodgy builder. Good luck finding a better one. 

Loved the half shut knife expression. 

We've had similar issues with sink/taps in our house so feel your pain.

Congratulations on DD2 to be