Snow you say, snow?!!! It's been very very windy here, I aired the rooms and one of the windows nearly got ripped off.
I am on my frugaleering path, well and trully. mSE email arrived, not a lot of savings to be made there.
I feel like a proper grown up: I contacted an independent financial advisor/mortgage broker. I have a meeting next week.
I also got an email fromSheffield Mutual (I love them), I have a small investment ISA with them. Anyway, they mentioned Children's tax exempt saving plans (TESP). I had no idea they existed.
But, it's a 10 (or 25) years tax free saving plan, guaranteed final amount on maturity. I chose when DD receives the money and I make small (£5/month) regular deposits.
I won't miss £5 a month, it's tax free and hopefully it'll be a nice little present for a semnificative birthday for her.
Because I am already a member and I 'recommended' her, I get £25, she gets £25 in vouchers. Because I applied online (5 minutes) they're also sending me £25 in vouchers to say thanks. And, best of all, they use such a plain language, I absolutely love them. So there, if you're thinking to save a bit long term, there's an opportunity. (Adults can open a TESP too). And It's is a small, local friendly mutual society (that's why I chose them in the first place).
There, I feel all frugal now :)