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  • FIRST POST
    • Karmacat
    • By Karmacat 16th Jan 14, 7:37 PM
    • 28,180Posts
    • 155,265Thanks
    Karmacat
    Breaking Through, Travelling On
    • #1
    • 16th Jan 14, 7:37 PM
    Breaking Through, Travelling On 16th Jan 14 at 7:37 PM
    Hello

    I think a few people on this board know me already, from the dfw board

    I really need the focus of an mse diary - debts are all paid off, except for about 40% of a French mortgage - but income has been declining, and is currently pitiful. And without a diary, I've lost focus on getting the best deal for the things I *do* need to spend out on, like insurance, and Christmas train tickets, that sort of stuff. So I've come back properly after pootling about on other people's threads, and on general threads too, to be fair

    The focus is so that I can replace lost income - so that I can have a holiday of my choosing, for instance - and stopping digging into my savings for ordinary living expenses would be nice too Its also so that I can get my pension up beyond "miserable penury" - its kind of urgent, as under the system that lasted till about 15 years ago, I'd be retiring at the end of this year But I'm not, sadly. The aim is to retire in July 2016, when my younger sister retires, with a reasonable pension.

    One complication in earning more is that between arthritis, energy issues and the need to stay available to what clients I have, I can't / don't want to, take a second job. So more income has to be through other work - patchwork, portfolio, call it what you like (I know I do ).
    Retired August 2016
Page 285
    • Suffolk lass
    • By Suffolk lass 18th Apr 17, 6:52 PM
    • 1,586 Posts
    • 18,086 Thanks
    Suffolk lass

    Have a great time KC, shake an underskirt and shout 'Daddy. my daddy' as it goes past
    Save
    Originally posted by gallygirl
    Having a Jenny Agutter moment gg?
    MFiT T4 #2 update 42.67% after Q7 £5,465 behind where I should be
    Save £12k in 2017 #64 - £9,260.94 saved (84.19%) after October - my annual target is £11,000
    OS Grocery Challenge 2017 budget of £3,600 £3000 (reduced from Apr) - 78.56% including stores after October
    My DFD is http://forums.moneysavingexpert.com/showthread.php?t=5593594
    • beanielou
    • By beanielou 18th Apr 17, 6:56 PM
    • 49,035 Posts
    • 182,060 Thanks
    beanielou
    Loved the Flying Scotsman.
    Saw her in York last EAster
    Lou~ Debt free Wanabe No 55 DF 03/03/14.
    **Credit card debt free 30/06/10~** **Weight loss 2 stone 2 lbs **

    "A large income is the best recipe for happiness I ever heard of" Jane Austen in Mansfield Park.
    ***Fall down seven times,stand up eight*** ~~Japanese proverb.
    It starts with you, it starts from now. *** It is ok to be me.*** ***Keep plodding***
    • Karmacat
    • By Karmacat 19th Apr 17, 10:00 AM
    • 28,180 Posts
    • 155,265 Thanks
    Karmacat
    Jenny Agutter is definitely in there

    Scotsman was great, the little tourist trainline is wonderful in any case, the sun was glorious tho v chilly. And we saw a drone taking pix! Seen loads for sale at various places, but never seen one active before. Apparently there was one at the Irish wedding I didn't get to last year

    So, today, I've already been diverted by a few unforeseen emails but I have a list, good peeps, I have a list:
    - change bed, get bedding on the line
    - bit of scanning, then ...
    - finish backing up computer
    - use dehydrator! That comes first!
    - transfer money to my sister as part of the inheritance shenanigans.
    - cook lentils (several portions)
    - card to poorly relly
    - email to friend
    - weeding.

    Oops! Okay, thats nine items onwards and upwards...
    Retired August 2016
    • Karmacat
    • By Karmacat 19th Apr 17, 11:35 AM
    • 28,180 Posts
    • 155,265 Thanks
    Karmacat
    Update
    Dehydrator is on (nettles and young blackberry leaves don't smell as nice as lemon balm. Just sayin').

    Washing machine is on, bed half done.

    Diversionary emails - sigh. Number One. An older lady on freegle who started by telling me I was her soulmate, and is now (still without us exchanging the goods that were the start of the whole thing) emailing and expecting us to meet up at no notice, while refusing to set a time within the next 3 days in the *next* email. For a square foot of insulation that I replied about in a moment's impulse, I really don't need that ...

    Number Two. Because of the blog I run, I get journalists wanting to interview me every so often. One has turned up who's funded by christian evangelical groups, masquerading as anthropologists, and tries to identify cults. In other words, she wants to kipper me ... luckily I've just been drafting an email not sending it, and my list of requests before I agree to look at her emailed questions is a joy to behold I may even *send* that version of my email
    Retired August 2016
    • Knit Witch
    • By Knit Witch 19th Apr 17, 2:11 PM
    • 3,198 Posts
    • 29,315 Thanks
    Knit Witch
    Oooh the email sending sounds interesting! I wish I could see the one to the Cult Seeker
    V3ry - £555.59
    • Karmacat
    • By Karmacat 19th Apr 17, 2:21 PM
    • 28,180 Posts
    • 155,265 Thanks
    Karmacat
    If I decide to send it, I'll pm you a copy I'm off out now to a *physical* post box for poorly relly.

    The list:
    - change bed, get bedding on the line
    done, but still not finished the entire job

    - bit of scanning, then ...

    - finish backing up computer

    - use dehydrator! That comes first!
    Yes! Blimey, the nettles and blackberry leaves are shrinking away to nothing!

    - transfer money to my sister as part of the inheritance shenanigans.
    Cashed the ISA, money is on its way to me.

    - cook lentils (several portions)

    - card to poorly relly
    Done, and just off now to the post.

    - email to friend
    Done

    - weeding.
    Do the blackberry and nettle leaves count?



    6/9, and I always planned to do the undone stuff *last*
    Save
    Retired August 2016
    • ZTD
    • By ZTD 19th Apr 17, 3:15 PM
    • 23,350 Posts
    • 40,917 Thanks
    ZTD
    Diversionary emails - sigh. Number One. An older lady on freegle who started by telling me I was her soulmate, and is now (still without us exchanging the goods that were the start of the whole thing) emailing and expecting us to meet up at no notice, while refusing to set a time within the next 3 days in the *next* email. For a square foot of insulation that I replied about in a moment's impulse, I really don't need that ...
    Originally posted by Karmacat
    But you're not appreciating the provenance of that insulation! It fought in the mighty battle of Cotoo where the old false gods were cast down and replaced by new ones!

    Number Two. Because of the blog I run, I get journalists wanting to interview me every so often. One has turned up who's funded by christian evangelical groups, masquerading as anthropologists, and tries to identify cults. In other words, she wants to kipper me
    Originally posted by Karmacat
    OK..I'll bite...what does kipper mean in this context?

    ... luckily I've just been drafting an email not sending it, and my list of requests before I agree to look at her emailed questions is a joy to behold I may even *send* that version of my email
    Originally posted by Karmacat
    You do seem to move in rather more auspicious Circles of the Strange than I do...

    - use dehydrator! That comes first!
    [B]Yes! Blimey, the nettles and blackberry leaves are shrinking away to nothing!
    Originally posted by Karmacat
    Unfortunately, life is mostly water with a few floaty bits...
    "Follow the money!" - Deepthroat (AKA William Mark Felt Sr - Associate Director of the FBI)
    "We were born and raised in a summer haze." Adele 'Someone like you.'
    "Blowing your mind, 'cause you know what you'll find, when you're looking for things in the sky."
    OMD 'Julia's Song'
    • earthgirl
    • By earthgirl 19th Apr 17, 7:27 PM
    • 2,478 Posts
    • 20,334 Thanks
    earthgirl
    Oh no to the strange freegler. How frustrating!
    15/5/12 Paid off Mortgage 1 (£220k) Dec 13 - £116,508 Bought Dream House Dec 14 - £94, 402 (£22,106 offset in 2014) Jan 16 - £67, 852 (£26,550 offset in 2015) Dec 16 - £33,529 ( £34,323offset in 2016)
    Jan 17 - £39, 773 (Re-estimation of endowments )
    June 17 £32,053 Sept 17 £22,619
    Kids savings 13,578/36k
    • Cheery Daff
    • By Cheery Daff 19th Apr 17, 8:44 PM
    • 7,845 Posts
    • 37,918 Thanks
    Cheery Daff
    Oh dear to your odd emails. Freegler lady does sound more trouble than a square foot of insulation is worth!

    Sorry if I've missed it, but are you drying nettles and blackberry leaves for tea? Or something else? Can you do things like dry apple rings in your dehydrator? (Sorry, lots of questions and I have a *vague* memory that you may have already talked about dehydrator so when I'm not on holiday I'll do a proper search to save you typing it all out again )
    Saved for house move: £16,000
    • Karmacat
    • By Karmacat 20th Apr 17, 10:06 AM
    • 28,180 Posts
    • 155,265 Thanks
    Karmacat
    OK..I'll bite...what does kipper mean in this context?
    Originally posted by ZTD
    It means set me up for a fall - parade me on *her* version of Circles of the Strange. Given the religious funding, possibly as a heretic? Satanist? Who knows!

    You do seem to move in rather more auspicious Circles of the Strange than I do...
    I like the Circles of the Strange all my interests lie there, except for genealogy and cats but everyone else there is mad, except me

    Unfortunately, life is mostly water with a few floaty bits...
    This is glorious, Z

    Oh dear to your odd emails. Freegler lady does sound more trouble than a square foot of insulation is worth!
    Originally posted by Cheery Daff
    Yep, I've drawn a line there. I feel sad for her, but I have enough trouble looking after myself right now.

    Sorry if I've missed it, but are you drying nettles and blackberry leaves for tea? Or something else? Can you do things like dry apple rings in your dehydrator? (Sorry, lots of questions and I have a *vague* memory that you may have already talked about dehydrator so when I'm not on holiday I'll do a proper search to save you typing it all out again )
    Not a problem! You can do apple rings (though I'll wait to experiment with that till the apples are ready later this year, there are dozens round here that go begging each year). My ambition, though, is to dry different "greens" - lemon balm, nettles, blackberry leaves, rosemary, hawthorn, chives, good king henry, anything and all thats **green** and end up making my own salsa and pesto - must get some basil plants going very very soon!

    I'm chuffed at the response to the email enquiry from the journalist. My anonymous email is now *fully* anonymous, I finally figured out how to change the name its sent from, to the pseudonym I chose for my kindle books, feel very happy about that.

    And KnitWitch - I blanded my response right down, stopped editorialising, basically, just "please send me your questions and we'll see".



    Save
    Retired August 2016
    • Watty1
    • By Watty1 20th Apr 17, 10:12 AM
    • 2,897 Posts
    • 20,062 Thanks
    Watty1
    Loving the sound of the dehydrator. Every year I plan to dry nettles for the ponies as they love them and then never quite get around to it. Maybe this year.
    Mortgage at start of diary Sept 2013: £132,995 Aug 2015 £0
    Overpaying next mortgage. £79,491 now £27152
    • Karmacat
    • By Karmacat 20th Apr 17, 10:22 AM
    • 28,180 Posts
    • 155,265 Thanks
    Karmacat
    Hi Watty! Somehow that reminded me of dandelion leaves! Must go for them too.
    Retired August 2016
    • ZTD
    • By ZTD 20th Apr 17, 11:08 AM
    • 23,350 Posts
    • 40,917 Thanks
    ZTD
    It means set me up for a fall - parade me on *her* version of Circles of the Strange. Given the religious funding, possibly as a heretic? Satanist? Who knows!
    Originally posted by Karmacat
    I don't really see the problem with wishing to be smooth and glossy with a supple structure. Oh no - that's a Satinist - my mistake...

    I like the Circles of the Strange all my interests lie there, except for genealogy and cats but everyone else there is mad, except me
    Originally posted by Karmacat
    Most of my interest lie in the scientific end of the spectrum - and there's the con-artists, the fruit cakes and the vacuous there too...

    Not a problem! You can do apple rings (though I'll wait to experiment with that till the apples are ready later this year, there are dozens round here that go begging each year). My ambition, though, is to dry different "greens" - lemon balm, nettles,
    Originally posted by Karmacat
    Just be aware that the folk name - "piddlybeds" is there for a reason...

    blackberry leaves, rosemary, hawthorn, chives, good king henry, anything and all thats **green** and end up making my own salsa and pesto - must get some basil plants going very very soon!

    I'm chuffed at the response to the email enquiry from the journalist. My anonymous email is now *fully* anonymous, I finally figured out how to change the name its sent from, to the pseudonym I chose for my kindle books, feel very happy about that.
    Originally posted by Karmacat
    You should have just asked...

    And KnitWitch - I blanded my response right down, stopped editorialising, basically, just "please send me your questions and we'll see".
    Originally posted by Karmacat
    And now you'll be asked if you've ever followed the teachings of the Reverend Sun Yat Moomin...
    "Follow the money!" - Deepthroat (AKA William Mark Felt Sr - Associate Director of the FBI)
    "We were born and raised in a summer haze." Adele 'Someone like you.'
    "Blowing your mind, 'cause you know what you'll find, when you're looking for things in the sky."
    OMD 'Julia's Song'
    • Karmacat
    • By Karmacat 20th Apr 17, 9:43 PM
    • 28,180 Posts
    • 155,265 Thanks
    Karmacat
    Evening all! I took a loooong time off in the middle of the day ... I'm retired, I can do that! But it had consequences. Still:
    - got the yahoo email anonymised, as above, still chuffed.
    - distracted myself by writing lots of the questionnaire also discussed above, oops.
    - made portions of lentil mix, covering a few days - *so* easy, why don't I do this more?
    - more weeding. Box hedge, some brambles that weren't dug up in February, just cut back, and lots of grass - my blackcurrant bush can breathe more easily
    - sorted out, once and for all, if I could double my storage space by getting one of my blogs hosted on weebly for free, since my old work website will be taken down in August and technically there'll be a spot opening up. They've changed the options over there, a site with its own domain name would no longer be free. At least I know. Minimum option from them would cost US $120, over two years. Two years at my present host would currently be £30 for two years, and even if I increased everything five-fold, it would only be £70.

    I really wanted to do a bit more, but so it goes ...
    Retired August 2016
    • EatingTheElephant
    • By EatingTheElephant 20th Apr 17, 9:54 PM
    • 1,162 Posts
    • 6,237 Thanks
    EatingTheElephant
    You have attracted some interesting emails, most of my strange emails are boring ones trying to get you to click on something and hand over all your details.
    • Karmacat
    • By Karmacat 20th Apr 17, 9:57 PM
    • 28,180 Posts
    • 155,265 Thanks
    Karmacat
    Boring can be good! It gives me time to write blog posts! And I could really do without the freegler ... if the premium bond people ever want to send me an email, though, that'll be fine
    Retired August 2016
    • EatingTheElephant
    • By EatingTheElephant 20th Apr 17, 10:18 PM
    • 1,162 Posts
    • 6,237 Thanks
    EatingTheElephant
    Many years ago I spoofed an email from Father Christmas to my Mil to show her she shouldn't believe that emails were from who they said they were from. I'm not sure it really sunk in though, but she does often ask us now if she isn't sure of something she receives which is good.
    • Karmacat
    • By Karmacat 21st Apr 17, 8:55 AM
    • 28,180 Posts
    • 155,265 Thanks
    Karmacat
    Oh thats good! I think one of the most powerful instruments I've ever learned to guard against fake emails is something Martin wrote: if you see something in your email listing and you're not sure, **hover** over the listing about who its from: it will show you who its **really** from. I do that a lot nowadays.

    I'm actually going to a food shop today I do that very rarely, but needs must. Unfortunately, it will be Waitrose, so the absolute minimum will be bought after that, its back to the to-do list for this week.
    Retired August 2016
    • edinburgher
    • By edinburgher 21st Apr 17, 12:25 PM
    • 10,761 Posts
    • 56,329 Thanks
    edinburgher
    Rudimentary gardening help?
    KC - can you give me some pointers on how to restore a flower bed?

    It's currently covered with gravel, weeds and some ratty looking landscaping fabric. I'd like to plant a bed of forget me nots and some nice bulbs for next year. Can you point out any missing/unnecessary steps?
    • Remove existing gravel
    • Take up landscaping fabric
    • Weed as required
    • Turn over the soil (can I use a fork for this?)
    • Put down some compost (not sure if I need to, but soil has been covered for years, so might be a bit inhospitable for plants?)
    • Plant stuff
    • Water
    • Karmacat
    • By Karmacat 22nd Apr 17, 9:02 AM
    • 28,180 Posts
    • 155,265 Thanks
    Karmacat
    Ed, that sounds fine, and using a garden fork and adding some fresh soil will help things do well, I'm sure. The only extra steps I'd put in are these:
    - let it "sit" for a while before you plant, just a couple of weeks or so - when you work the soil like that, seeds that have been dormant for ages may suddenly sprout up, and if you can nab them immediately, it helps.
    - use your own form of weed suppressant. Bark chippings? From any DIY store - I actually got some bags delivered recently, along with soil and a few non-garden things, from Wilko (£4 with ridiculously long delivery schedule, £8 for planned time). Your planting will look sparse at first, before your plants mature, and if you don't take precautions, your flowerbed will be covered with weeds all over again.

    What's the site like? Will forget me nots like it there? Do you want bulbs that bloom at other times of year? I understand you may not, if I follow what you're thinking.

    HTH
    Retired August 2016
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