Mortgage Free now aiming for FIRE

TallGirl

Still researching finances and got a call to say my small stocks and shares account will need to be closed and I have to sell everything and take the cash out. It is actually a bit of a relief as the more I read you also have to pay tax on currently fluctuations so not really worth keeping money in the UK. I have enjoyed having the shares it was one of those where you got free money on signup. I have £1092 in there and post shares have done really well. It was my small gambling on shares account so will need to think about something like that for here. My best performing share was Barclays I made 230% increase a whole £33.68 profit worth now £48.38 so not a biggie but still fun. 

I have researched the possible platform and my bank is not offering a bad deal however if I go with one of the others it is a £300 saving a year and they pay 1% on savings or I can open a Santander account that offers 1.85% if I lock for 24 months. So different for the UK but with the tax etc it really is not worth it by the looks of it. 

If you invest in foreign funds and EFT's you pay so much in fees so I have learnt that much Vanguard is a bad idea it has to be a Danish Index fund so more research needed. I have taken advantage of a free offer via the Danish Which magazine a company will look at the fees you pay and tell you if you can get a better deal. Unfortunately they are on holiday until the 18th but I need all my Danish paperwork in order plus my new NINO card so have to wait anyway. You can also pay them for financial advice

Finally as we are with finances regarding the platforms I can save quite a bit using a start up platform see here:
My Bank (Safe but Pricey)    Cost (Annual) £1659 Age 150+ years.

Saxo / Nordnet (The Middle Ground) Saving £232 to £580 . Age~25-30 years

Endavu (My Nephew's Choice). Cost ~0 kr.  Age~3 years. 

I am not really tempted by my bank unless they give me something else for having such a large portfolio with them they should match Saxo I think (they are the ones giving 1% interest my bank gives nothing). 

In order life admin I am trying to get my dad on a cancellation list for his hearing aid appointments. He has to wait 9 months but I am tempted for us to go private but need my sister onboard so I said I would do the leg work. I am waiting on the phone I was number 17 I am now number 4 only taken 30 min so not too bad. 

I have also asked the Danish company to do my patio ready for Spring obviously with the current 10cm of snow it will not be imminent but they are only small (but local and a good price) so wanted to give them loads of notice. I have also asked them to clean our windows. If you use trades (aka not cash in hand you can actually deduct it from your tax bill).