Moving on up! 🏡

Bananabreadyum

Gorgeous doggy, glad he is healing well.

Super glad you got rebooked and paid, yey!

Jessy103

https://forums.moneysavingexpert.com/discussion/comment/82131535#Comment_82131535

Thanks Vix, appreciate that. I have briefly read about SIPP and Nest, but want to do some proper research at the weekend and get DH to look at it as well, because he's more of a numbers person than me! 🙂

themadvix

Definitely do your research Jessy. I started with Nest and then transferred to a SIPP with Vanguard and have quite a lot in it now, but then panicked that I don't actually know what I'm doing with it. If you use a target retirement fund, it will do the adjustments for you as you near retirement, but I am invested in ethical funds not retirement ones, so need to sort that out. Which is why, having switched to Vanguard (SIPP) from Nest (where I just picked the ethical fund and it would have made the adjustments too), I have gone to PensionBee's ethical fund (slightly higher fees than their standard fund), leaving VG where it is (I don't even know if I could switch it to PB; Nest wouldn't have me back for some bizarre reason). All to say - do your research and don't copy my terrible example!

South_coast

You should still be able to contribute to your old pension as well if you're happy with it

Jessy103

https://forums.moneysavingexpert.com/discussion/comment/82132065#Comment_82132065

Thanks for the advice Vix. I do find it all very confusing, but from the little research I have done with DH, we were leaning towards the SIPP. The fact that not everything is 'ethical' is pretty ridiculous though 😅

Jessy103

Thanks SC, I did have a look at this too. It's Scottish Widows and I have the app on my phone, so that is easy to use. However, the annoying thing when I looked was that I couldn't seem to find where to set up a dd, you have to do a one off payment manually, which means I could potentially forget about doing or saying 'Oh I'll leave it this month'. I know this is silly and lazy, but it if its a dd, it gets included in the monthly budget and I cant then spend it on anything else! I will have another look at the weekend though to check I'm not missing it.

Jessy103

Thank goodness it's Friday and I will have tomorrow off. I had a terrible night's sleep and feel very grumpy and teary this morning (unfortunately, its lady time!), so I've come back to bed with a cup of tea and watching an episode of the Ramsey Show. My first clean isnt until 10am so I have some time to get myself together!

My brother has finally given me the date of Tuesday next week to come and replace a length of fencing in the back garden (he came and measured it back in April 🤣). We have the money put aside for it and he's doing it at trade prices, so that's all good. When he has done that, i want him to measure up for length of fence at the front of the house to separate us from the neighbour. The other week I found some dog poo in the front garden which I know was not from ours, well, yesterday while getting my washing in, i heard the neighbour out the front calling his dog and I could see him looking over to our garden and what do you know, his dog was just wandering round our front garden!! I'm now thinking it was quite possibly from their dog! We are now looking for a camera/door camera to put up and then as I say, I'm going to get my brother to quote and put up a fence along that side!

Grogged

We use invest engine, no fees and a wide choice of funds, including vanguard. As ever with investing, keep it simple and pick one all world or developed world fund.

Jessy103

https://forums.moneysavingexpert.com/discussion/comment/82132690#Comment_82132690

Ah ok, thank you. I'll check that out 🙂

South_coast

https://forums.moneysavingexpert.com/discussion/comment/82132676#Comment_82132676

What about setting aside a % of your income and doing a monthly transfer that way (like with tax etc)? That way you're not committed to a higher amount if you have a lean month, and if you have a good month your pension benefits too? If you did it as part of your regular accounting, it would be less likely to forget?