Progress is...

rtandon27

Hump Day already! - how did that happen?

Monday update
--
overpayment goal
no extra money saved or brought in
nothing out of budget spent
--
movement goal
1) physio done
2) lunchtime walk done
3) 20mins to the office done
21 active minutes & hit 1.5X my step goal

Tuesday update
--
overpayment goal
no extra money saved or brought in
nothing out of budget spent
--
movement goal
1) physio done
2) lunchtime walk done
3) 20mins to the office done
only 8 active minutes (not sure how that happened) & hit 1.5X my step goal

Wednesday update
--
overpayment goal
this month's overpayment already budgeted for - will set that up in the online banking for tomorrow - 294 for Jan
going to do the ynab shuffle and see if anything can be swept into the march payment - 100 swept into March payment
4 pounds saved on sandwich meat as freezer dive revealed we had sliced turkey ham already in house
107.48/294 with 183.04 to go
--
movement goal
am very tired today and even f!tb!t says I should be taking a rest day! so minimal movement planned
also pleased to see half of the xmas weight gain has shifted after only a week of 'normality' - it was not the goal when trying to re-implement good movement habits, but a nice side effect

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This morning started off with a power tidy of the house, attempting to put out all the recycling (a success) and the rubbish (not a success).  The lid on the rubbish bin was frozen shut with a layer of ice so will have to wait and try again at mid-day break.  This week's grocery shop arrived bright and early, as OH is currently not able to take this on during a day I'm in the office.  He managed to tackle the eggs into the basket and made us coffees and breakfasts while I put everything away.  So nice start to the day with a new-to-us rythmn found.

Then on to a slowish start to the working day - bosslady is off for the day so I was able to have a no-stress morning - hooray! - a good pace for me atm - rest of the day will be pomodoros - little bites of work with little breaks of movement/chores.

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ETA - upper management sent out the e-mail letter to all staff about redundancies today - it was harsh - I'm glad I'm not in the office to hear the annoyance it will have caused.

rtandon27

Small mortgage win of the day! under 143K as of today!

Cherryfudge

Nice one! 

teapot2

rtandon27 said:

Small mortgage win of the day! under 143K as of today!

Hooray for small wins👏🏼🎉

Baileys_Babe

rtandon27 said:

Small mortgage win of the day! under 143K as of today!

Great news 👏

beanielou

Good news. 

rtandon27

Prompted by a conversation on Ed's thread I found out the following info today...

Posting it here so as not to clutter his thread! ...

Here are the specific rules about opening and funding ISAs at a single bank:

Key Rules for One Bank (2025/26 Tax Year)

• Multiple Accounts: You can open and pay into more than one of the same type of ISA (e.g., two Cash ISAs) with the same provider in a single tax year.
• Provider Constraints: While HMRC rules allow it, some banks (e.g., Santander, HSBC, Lloyds, Barclays) may still restrict you to paying into only one of each type of ISA with them per tax year. Always check specific provider terms.
• Annual Limit: Your total contributions to all ISAs (whether at one bank or multiple) cannot exceed the £20,000 annual allowance.
• Lifetime ISA Exception: You can only pay into one Lifetime ISA per tax year.
• Transfers: You can open a new ISA to transfer in funds from previous years' ISAs without affecting your current year's allowance.
• Account Ownership: ISAs can only be held in a single name (no joint ISAs). 

Key Considerations

• Age Limit: You must be 18 or over to open an adult ISA.
• Flexibility: Some ISAs are "flexible," meaning you can withdraw money and replace it within the same tax year without it counting towards your £20,000 limit. If the account is not flexible, replacing money counts towards the limit.
• Interest Rates: If you hold multiple fixed-rate cash ISAs with one bank, each may have different maturity dates and rates.
• Non-Automatic Closure: ISAs do not automatically close at the end of the tax year; you can continue to pay into them (if permitted by the bank) or open a new one.

Glad I looked that up  - some really good things to remember in all that info!

rtandon27

Thursday update
--
overpayment goal
sitting at 107.48/294 with 183.04 to go
--
movement goal
1) physio done
2) lunchtime walk done
3) 20mins to the office - not done
32 active minutes & hit 2X my step goal

Friday update
--
overpayment goal
sitting at 107.48/294 with 183.04 to go
--
movement goal
1) physio done
2) lunchtime walk - not done, wfh day
3) 20mins to the office - not done, wfh day
zero active minutes & hit 2/3 of my step goal

Saturday update
--
overpayment goal
sitting at 107.48/294 with 183.04 to go
--
movement goal
1) physio done
2) lunchtime walk - not done, rest day
3) 20mins to the office - not done, rest day
zero active minutes & hit 2/3 of my step goal

Weekly active minutes low - only 8 mins per day average - need to work on getting this up!
Step goal average is 1/6 more than my goal - woohoo!

redofromstart

Thanks for the ISA info, also may be worth looking into transferring inherited ISAs. I didn't do this because of the whole intestate/no probate/time pressure but as I understand it I could have transferred his ISAs to my name and kept the 'wrapper' on them. 

rtandon27

@redofromstart - thank you so much for the reminder abour transfering spousal ISA's - I'll b sure to add it to my list of sadmin, to pull up when the time comes!