Learning to walk before I run

edinburgher

• £8.13 to Extension.
• £4.13 to Emergency Fund.
• Started an ISA transfer from T212 to Vanguard. I want to switch my VWRL into Target Retirement 2040 so that my holdings are better aligned with my risk profile. This will allow me to knock all the micro transfers into cash ISA so as to try and achieve a 70% equities/30% bonds split on the head. Also, cash isn't bonds, although sometimes it can fill a similar role if you consider the old whisky and water analogy. The charges for holding the TR fund are higher than holding VWRL with T212, but they're still reasonable. It will also help me to visualise my progress better having essentially a single holding in both ISA and SIPP
• Screened out of a study, 25p was my reward

Suffolk_lass

We pay over ten months as we often have to buy oil in January (February CC) and top up the electricity account in March to stop it going into deficit

greent

We pay over 10 months because I'm too lazy to have ever changed it and I'm a very bad MSE'r in that I don't do any form of budgets or monitor any of our spending 😳 

I do still shop around for insurance renewals and use receipt apps, but have given up on surveys and any side hustles (selling unwanted things on V1nted/fb00k aside, which I don't count as a side hustle)

South_coast

12 months here. I don't see any sense in overpaying for 10 months, just to have 2 months "free"

debtfreewannabe321

I pay over twelve months, but I kind of miss the free months. Although not free, but you know what I mean. They just set it up that way when I moved here and I didn't have much say in it.