shangaijimmy Forumite

Well lots of plotting and financial management has gone on in SJ Towers this last week or 2. I’ve moved our ISA’s and Mrs SJ SIPP to new platforms, and restarted payments into my ISA. I’d stopped paying into it whilst I trained for new working life to build an extra buffer fund in case things didn’t work out… I’ve been…

Thank you. It’s the same in our area as well… no shortage of work, it anything it’s a shortage of days and hours to help everyone. First monthly OP for the next chapter made today. £150 sent across followed by £9.64 which was our card round ups for the week. Great start to the month and superb for motivation 😀

It’s been a great week with 2 driving test passes. I’m really fortunate to get to share those precious few second when the examiner says “I’m pleased to tell you that you’ve passed…” Money wise Mrs SJ has had her pay award finalised so we did jigging some budgets around. I’ve added an extra £100 to my monthly SIPP…

Sunday evening update here. I’ve just OP’d our weekly TT pot, which was £6.24. I do enjoy these little OP’s to maintain momentum, and a good way to think of it is that over the course of the year they comfortably add up to 1 months worth of interest :) After a full year now of me being self employed I’m starting to get a…

Good Saturday morning everyone… The sun is shining which is just teasing us that Spring is around the corner 😀 I may have missing on here but we’ve kept on with our financial journey. We did have a slow down as I moved to the world of self employment as i needed to build in some contingencies. That period of uncertainty…

Thanks all. I’ve spent a bit of time today navigating my way through a few diaries to get my bearings back and thought I drop a little post with some musings. South Coast - I’m not sure we’re ready to stow our table yet, we’re more at the stage of scrambling on the floor for our shoes! In the time I’ve been away from here…

Well it’s been a while… :# And here I am creeping back into the house in the dark, hoping to not get spotted or to fall over the teenage clutter on the stairs :smiley: Life has certainly thrown a lot our way over the last few years. Unfortunately plenty of heartbreak that hasn’t been balanced with enough joy, job changes…

Savings Avid readers may recall my posting about our home ownership and mortgage journey and a notification that I would detail about further segments of our finance pie chart. Well this afternoon I'm going to talk about our savings. It's fair to say that everyone does this differently in a meaningful way to their…

Thankfully school uniforms have come in significantly under budget due to the changes. A small ray of sunshine amidst all the other price increases! Another week begins of juggling attended work, home working, online meetings and school holidays... :| Yesterday I OP'd our payments round up pot which was £4.97 and then some…

Right...enough of this University talk, as its too upsetting to think about for my poor spreadsheet... for now anyway. I'l keep on with my current plan for the next 18 months and then look again when I reassess our budget at re-mortgage time (I should have about £18k put to one side by then). I OP'd our payment round up…

Thanks for compounding my Uni fears... :'( I do need to be better prepared for 'overlap' years, and will definitely add it to my list of thinking/planning/stress testing. Like you I'm hoping for degree apprenticeship routes ;). My niece has just been given a place at medical school, which ends up being 5yrs :open_mouth:…

Homes & Mortgages Journey So taking 1 segment at a time, I thought I would start with the 'Mortgage' section and throw a timeline/journey over the last 2 decades or so... First Forages into home ownership * 2002 - 2004 - First home bought for £83,000 (mortgage was approximately £72k), and sold 2 years later for £133,000.…

Following your lead I TT'd to the mortgage 87p yesterday and £1.01 this morning. Onwards and downwards B)

Apologies, I mean that with our LTV being so low (27% ish) that the valuation won't drop us into a different bracket with better and more remortgage products being available.

I'm pretty certain ours is only on the initial load agreement. Our last 2 remortgages have been with the same bank so we've pretty much only had the 'desktop' valuations from 2016 onwards, And I reckon I could have done it myself just by logging onto zoopla! Whilst its made me think on...our next remortgage is just under 2…

That for me is the great thing about data, and numbers. There's literally something else to count or to use for motivation and setting targets. As as we achieve one thing we quickly move onto another set of data. Made a little OP of 57p this morning which rounded down our current account balance. These OP's are the only…

A few things to report I suppose. £10.17 overpaid from our round up pot for the week. Then the dreaded pet insurance requotes have come through. Amazingly pooch number 1 who we've had a significant claim for has only gone up £2 a month. Its a lifetime policy so we were needing to stay with them anyway. And then pooch…

Stealing thoughts, ideas, inspiration, motivation and reducing the urge to procrastinate is the greatest thing about the forums. We are only where we are because of the confidence this site gave me to take control. Small tweaks, being flexible and picking off the low hanging fruit are major tools for us. Thanks Saving. My…

So glad to hear that your pup is a tough little fighter. These dogs don't half put us all through the wringer!

Thanks Suffolk. Think I've sorted it. Revolutionary info!! We could never imagine our home without a dog, and currently reviewing our insurance(s) for them both. I suppose I got caught out by never considering they would be able to treat such illnesses and really we were under insured. Right...rather than posting our full…