The fridge is full, the bank is empty. Kinda. Our pay days have been and gone, money has been shuffled and allocated and there is pretty much nothing left! We’ve finished off one fund relating to our move…whenever that may eventually happen. Basically it should cover our stamp duty, solicitors fees and a bit towards the rip-off mortgage admin fees (note: why should we pay an admin fee to use the only service they offer, ie a mortgage? They couldn’t have a business if they didn’t process paperwork. Blatant rip off…). Anyway, that’s all safely tucked in an ISA and completed in time for the end of the financial year. Come April I’ll be speaking to my ISA provider and finding out what rate I’ll be on for 2012/3 and whether it can be increased or if it would be best transfered elsewhere. Same goes for my other ISAs (one holds my emergency fund, strictly only for loss of jobs or extreme disaster of the type I can’t even imagine and the other is my top secret future fund which should be completed later this year).
Now I’m going to start looking for a fresh new ISA (you always seem to get the very best % as a new customer somewhere) to open from April where we can start stashing funds for the deposit on our next house. I’m looking forward to having a fresh, spanking new account for this new fund (new because our previous savings were going into the fund for moving costs, not the actual deposit)!