Learning to walk before I run

edinburgher

Thanks all!

@rtandon27 - Absolutely, Ed's honour

@debtfreewannabe321 - Not yet, staying up until I get it

rtandon27

edinburgher said:

...Not yet, staying up until I get it

If one of us donates the 29p to the cause (say via Paypal), will you call it a night?????

edinburgher

rtandon27 said:

edinburgher said:

...Not yet, staying up until I get it

If one of us donates the 29p to the cause (say via Paypal), will you call it a night?????

I did it! £10.80 withdrawn from Prolific. Trading allowance used for the tax year Now I need a plan for what (if anything) I'm willing to do for the rest of the tax year. My starting thought is accepting a minimum hourly rate of £10 for surveys, perhaps I should go higher?

rtandon27

If you are being taxed at 20% then you'll get 8 of that - if not then taxed at 40% you'll only get 6 - if you are doing it for fun then perhaps it does not matter but if time is money as it is for most of us, then personally I'd re-evaluate that amount!

...and as for the 29p, I'll hold it in reserve!

edinburgher

I'll be taxed at 42%? Maybe £12/HR is more realistic. That would basically be AI and Y Live if I'm not screened out

Watty1

Have never been accepted for a survey paying that!   You are doing amazingly    Happy holidays.

edinburgher

And you @Watty1

I have started my bread maker cranberry sauce (cranberries, sugar, cranberry juice, orange juice, orange zest, vanilla extract). The house smells amazing 🤤 

• £14.21 OPed
• A couple of £ to EF
• A few p to personal cash savings
  
  

Hiding in the study as all the ladies get their Christmas nails done, Prolific is on in the background but as expected, filter is knocking out almost everything. That's fine, I'm not in the mood anyway.

edinburgher

I have started a bit of financial engineering for next year, have opened the following:

• 6-month Principality RS (£200/mth @ 7.5%)
• 1-year Principality RS (£150/mth @ 6.5%)
• 1-year Lloyds RS (£400/mth @ 6.25%)

SOs set up to begin tomorrow.

I will get Mrs E to open matching Principality accounts this afternoon. 

While there were a few extra pennies to be had with other providers vs Lloyds, Lloyds is fixed, whereas other providers were variable. 

This selection should be ok without passing the PSA, the rest will sit in a cash ISA (currently Tesco @ 4.02%).

I feel like a growned up.

rtandon27

edinburgher said:

...I feel like a growned up.

OMG - this did make me laugh...

It's amazing how we have all the trappings of adulthood and still feel like kids 🤣🤣🤣

Suffolk_lass

rtandon27 said:

edinburgher said:

...I feel like a growned up.

OMG - this did make me laugh...

It's amazing how we have all the trappings of adulthood and still feel like kids 🤣🤣🤣

Indeed. I still haven't decided what I want to do when I grow up