Small steps lead to big changes...

WinterWarrior

It’s good to buy the PB’s early as they’ll be in the May draw now. I think leaving them until after Easter would mean they were in June’s draw (I think 😬). I always shove mine across on pay day (the last working day) for this reason. We’ll be glad when we win the million 😅

CRANKY40

I hope that you both remember your poor friends when you win your million. We ended up taking the HT's money out and putting it in an ISA. He loves seeing the interest added every month. He definitely doesn't take after me. 

beanielou

Ooh get you. PB’s. I have none. Indeed remember your poor friends when you win! 

jwil

WinterWarrior said:

It’s good to buy the PB’s early as they’ll be in the May draw now. I think leaving them until after Easter would mean they were in June’s draw (I think 😬). I always shove mine across on pay day (the last working day) for this reason. We’ll be glad when we win the million 😅

Good point, I'll try and remember to get some more on payday, thank you!  It will definitely be nice to get the million  

CRANKY40 said:

I hope that you both remember your poor friends when you win your million. We ended up taking the HT's money out and putting it in an ISA. He loves seeing the interest added every month. He definitely doesn't take after me. 

Of course we will, we'll buy you a lottery ticket   I know I'd get better interest elsewhere, but I like the hope of a win.  HT is very sensible.

beanielou said:

Ooh get you. PB’s. I have none. Indeed remember your poor friends when you win! 

I like them because I'm less likely to dip into them as they feel slightly out of reach compared to a savings account, but equally are accessible if I do need them.  I'd like to get to full holdings so I have a chance of winning something   Lottery ticket will be on the way to you as well in that case  

jwil

Well the survey chap turned up and said we've already got cavity wall insulation so I didn't get my pretend EPC after all.  It's good to know though, and probably explains why our energy bills aren't horrendous compared to some.  I might try and get an EPC at some point though anyway, though looking at the neighbours ones I can see where we'd probably be.

At least though the house is looking relatively tidy ahead of the holidays so I won't feel like I have to spend my whole time doing housework!

My second chair cover came and has transformed my chair out the back.  I'm really pleased with them.

savingholmes

Ah well - at least you don't have the upheaval of getting that work done.

Well done on the £100 to PBs - was that your PADs or on top of your PADs?

jwil

savingholmes said:

Ah well - at least you don't have the upheaval of getting that work done.

Well done on the £100 to PBs - was that your PADs or on top of your PADs?

On top of my PADs, I haven't counted it.

redofromstart

I got on well with SW some years back, but what I mostly took away was half of everything you eat = vegetables. Given that I lived on white toast with butter at the time (and would rather starve than eat brown bread), and was doing couch to 5k I inevitably lost weight and developed a gluten problem!

mm white toast with butter.

nice work on the PBS. 

WinterWarrior

I save in pb’s for the same reasons…a little less accessible than savings and a small spark of excitement each month that I might win something. Also I’m always a bit worried about finding I should have paid tax on savings, which is ridiculous as I would never have enough savings to be near that (unless I won on the pb’s 😅).
@redofromstart I really want white toast with butter now, it’s my favourite. I love it slightly cold so the thick butter stays put 😋

jwil

redofromstart said:

I got on well with SW some years back, but what I mostly took away was half of everything you eat = vegetables. Given that I lived on white toast with butter at the time (and would rather starve than eat brown bread), and was doing couch to 5k I inevitably lost weight and developed a gluten problem!

mm white toast with butter.

nice work on the PBS. 

Yes, the veg will be my biggest thing, along with reducing processed food.  Hopefully I can make a difference!  I love white toast with butter, but have done well recently by just putting the loaf of bread in the freezer.   I can take out some for little miss, but don't feel obliged to finish the loaf before it goes off.

WinterWarrior said:

I save in pb’s for the same reasons…a little less accessible than savings and a small spark of excitement each month that I might win something. Also I’m always a bit worried about finding I should have paid tax on savings, which is ridiculous as I would never have enough savings to be near that (unless I won on the pb’s 😅).
@redofromstart I really want white toast with butter now, it’s my favourite. I love it slightly cold so the thick butter stays put 😋

I'm the same with the tax.  I don't think my roughly £3 a month in interest is likely to push me over the threshold any time soon