Premium bonds win!
I forgot I had premium bonds
there, while counting up my vast financial empire. But I just won £25 today, kerching!
I think I have sorted out the selling of the shares in order to fund the holidays. I don't really need to do this now, but I have devastated my holiday savings funds in order to, er, pay for the holiday. They were savings for specific big holidays years in advance, and I've taken the whole lot for one relatively spontaneous holiday this year. Spontaneous in that we only booked it about eighteen months in advance...
Anyway, have spoken to work, there is no share window
yet there should be one by the end of the year, but they'll give me any money I want now as an interest free loan, that I pay back when the share window is open and I can sell again. Hopefully by then the share price will have boomed further and I should be quids in. Fingers crossed...When I asked about this early in the year at work I got "This was discussed at the Board meeting last week and at Exec yesterday - we're going to try and get a window working for July 1st. This isn't 100% confirmed - I believe previously we've worked off audited accounts - however we think we can get it to work perfectly well without that. An announcement will be made in the usual way once we know for sure. Worst case it will be delayed a month or two.".
Chasing it up now it became a more concerning "It's got complicated - and we're working on some comms to try and explain why there's a delay, why we haven't been able to do this earlier. Given I know what we're going to do (I understand this sort of thing is unsettling), I'm sure we can sort something out for you though."
I'm happy now, I can have the money if I want it, and it sounds like the share price is due a boom. I might still cash in £5k now, as my plan was to liquidate so much per year so that I pay no capital gains tax on it. I don't want to have to sell the whole lot if I leave, but equally I want to keep some in there if they're still heading upwards. Saving it in the bank is no use at all, so I really only want to cash it in when I'm ready to spend it. However (apart from this special free loan) it could generally take me a year to get the money out.