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  • FIRST POST
    • Karmacat
    • By Karmacat 16th Jan 14, 7:37 PM
    • 26,543Posts
    • 140,126Thanks
    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

    Goal: earnings of £25k from new opportunities from September 2016 to December 2020 when my state pension kicks in.
    Currently: 86.53/25,000
    Save
Page 255
    • beanielou
    • By beanielou 12th Oct 16, 9:09 PM
    • 44,858 Posts
    • 155,435 Thanks
    beanielou
    Don't apologise Karmcat.
    To each their own & we are all different
    Lou~ Debt free Wanabe No 55 DF 03/03/14.
    **Credit card debt free 30/06/10~** **Weight loss 2 stone 11 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 13th Oct 16, 9:32 AM
    • 26,543 Posts
    • 140,126 Thanks
    Karmacat
    I need to get back into backing up, but updates for Windows 10 seems to have killed my (almost new!) external drive. Giving some thought to swapping my mahoosive laptop out anyway, will probably switch to a fancypants network-attached storage solution that backs up a much more modest laptop (in terms of spec and dimensions). Mrs E's brief is that any replacement has to fit into a small drawer (kitchen drawer, that sort of thing).
    Originally posted by edinburgher
    Yikes! I'm really not sure I fancy Windows 10

    I'm wondering about this thing for extra storage on my kindle, put a Bluetooth keyboard with it and it could be great for travelling. https://www.amazon.co.uk/AreTop-Swivel-Android-Phones-Tablets/dp/B01IEIV4JK/ref=sr_1_7?s=instant-video&ie=UTF8&qid=1475706905&sr=8-7&keywords=Otg+usb+32Gb I'd still need my main external hard drive, though, half a terabyte. Not sure about this thing, especially as I'm told my eldest nephew has super duper connections in the computer trade

    Don't apologise Karmcat.
    To each their own & we are all different
    Originally posted by beanielou
    Thank you Beanie - I'd hate to upset you
    Save
    Retired August 2016

    Goal: earnings of £25k from new opportunities from September 2016 to December 2020 when my state pension kicks in.
    Currently: 86.53/25,000
    Save
    • Karmacat
    • By Karmacat 13th Oct 16, 9:36 AM
    • 26,543 Posts
    • 140,126 Thanks
    Karmacat
    Just done a Sainsbo order - the Checkout button disappeared that's it, I'm off to Asda online in future. Now I've retired and I'm doing well physically, I can *walk* to Sainsbo to get the few things I want from there. And I've used the refund I got last month for battered tins so there.

    Right, phone calls, writing and pruning, did a bit more of the pruning yesterday, there's just a *lot* - catching up on years of "just do fifteen minutes"
    Retired August 2016

    Goal: earnings of £25k from new opportunities from September 2016 to December 2020 when my state pension kicks in.
    Currently: 86.53/25,000
    Save
    • carbootcrazy
    • By carbootcrazy 13th Oct 16, 10:22 AM
    • 3,055 Posts
    • 17,654 Thanks
    carbootcrazy
    .... and pruning, did a bit more of the pruning yesterday, there's just a *lot* - catching up on years of "just do fifteen minutes"
    Originally posted by Karmacat
    There's often a lot to be said for 'little and often', KC. Please don't tire yourself out
    Make £10 A Day Challenge 2016: Jan-Nov:£2787.65: Dec:£42.00
    3-6 Months Emergency Fund Challenge #12: £620.00/£3000

    Original Debt: £56804 (@ LBM 02/13). Paid (on DMP): £29917. Balance: £26887
    Over halfway
    • edinburgher
    • By edinburgher 13th Oct 16, 10:36 AM
    • 10,093 Posts
    • 52,649 Thanks
    edinburgher
    Pruning is a nightmare. Decided to give our larger honeysuckle a short back and sides, ended up with a full bin

    It's a wee bit like a tree in a horror movie that grabs the unsuspecting heroine by the ankles...
    • Karmacat
    • By Karmacat 13th Oct 16, 2:17 PM
    • 26,543 Posts
    • 140,126 Thanks
    Karmacat
    There's often a lot to be said for 'little and often', KC. Please don't tire yourself out
    Originally posted by carbootcrazy
    Honey, I'm fine, honestly - I'm eating like a horse because I've got the energy to do this stuff, and I've got the energy because I've almost entirely recovered from staying so long in the wrong job. I'm still a bit stuck, it's true, but working in the garden is *unsticking* me

    I do often sit and recuperate in the middle of the day, I guarantee you I don't push on with no rest.

    I'm writing up that summer diary of my first Interrail trip - long, long days, and the nights spent sleeping on trains, sometimes just lying down in the corridor to save money and get places quicker.

    Pruning is a nightmare. Decided to give our larger honeysuckle a short back and sides, ended up with a full bin

    It's a wee bit like a tree in a horror movie that grabs the unsuspecting heroine by the ankles...
    Originally posted by edinburgher
    Yes! Cedric whoozits in Harry Potter, and there's a long history of them, isn't there The hedge was overhanging to the tune of eight feet or so, back to only two feet in a few places Many, many full bins

    Off to do a bit more of that now, the bin lorry comes tomorrow.

    Save
    Retired August 2016

    Goal: earnings of £25k from new opportunities from September 2016 to December 2020 when my state pension kicks in.
    Currently: 86.53/25,000
    Save
    • Watty1
    • By Watty1 13th Oct 16, 4:13 PM
    • 2,490 Posts
    • 17,593 Thanks
    Watty1
    Am astonished at how fast your energy has recovered. Clearly your job was really pulling you down.
    Mortgage at start of diary Sept 2013: £132,995 Aug 2015 £0
    Overpaying next mortgage. £79,491 now £68801
    • Karmacat
    • By Karmacat 13th Oct 16, 7:22 PM
    • 26,543 Posts
    • 140,126 Thanks
    Karmacat
    It's weird, isn't it, Watty? In therapist lingo, I must have been "somatising" - pushing all the "argh, I don't want to do it any more" into my body, which was sort of paralysing me. When I stop doing it, hey presto, my bounceback took about a week to get going, and it's really going full tilt now. To be honest, I'm still nervous about running out of puff when I'm far from home, but I think thats just leftover from all that time when I could do so little - I was perfectly fine doing Merseyside to the south coast on my own, and I've been fine since then.

    I *need* the activity, but I am taking care, with rest periods and good food. I don't go on about it, which is why CBC is kind enough to want to look out for me

    And financially, if none of the plans pay off and I have to downsize again or live in a campervan, its **still** worth it, because when I was still working, I didn't have a life. And now I do. Simples
    Retired August 2016

    Goal: earnings of £25k from new opportunities from September 2016 to December 2020 when my state pension kicks in.
    Currently: 86.53/25,000
    Save
    • Cheery Daff
    • By Cheery Daff 13th Oct 16, 8:10 PM
    • 7,044 Posts
    • 32,795 Thanks
    Cheery Daff
    So good to read that KC
    Saved for house move: £8570
    • greent
    • By greent 13th Oct 16, 9:24 PM
    • 5,194 Posts
    • 52,321 Thanks
    greent
    when I was still working, I didn't have a life. And now I do. Simples
    Originally posted by Karmacat
    Loving the upbeat posts and the increased energy - and the statements such as the one above xx
    Repaid mortgage early (originally 11/25) Bal 01/09 £124616 01/10 £104927 01/11 £89873 01/12 £76317 01/13 £52546 01/14 £35356 01/15 £12133 07/15 £NIL
    Now repaying BTL Mtge. Opening Bal £69786. Current Bal £68286
    Net sales in 2016 £775.06/£500
    Dec grocery spends £0/ £480 NSDs 2/12
    • Karmacat
    • By Karmacat 14th Oct 16, 9:18 AM
    • 26,543 Posts
    • 140,126 Thanks
    Karmacat
    Thank you both! I *am* taking today off from the physical graft, to favour my arthritic shoulder, but energy is still fine

    So now that the rail strike is over, I'm popping along to the town next door (5 minutes on the rail) to look at their wilko and liddly. To set up the 2nd router, I need one of those little plug ins that take the phone line and the webulator. Tuppence hapenny sort of thing. And a new lampshade for the Cosy Corner
    Retired August 2016

    Goal: earnings of £25k from new opportunities from September 2016 to December 2020 when my state pension kicks in.
    Currently: 86.53/25,000
    Save
    • misscousinitt
    • By misscousinitt 14th Oct 16, 10:47 AM
    • 3,365 Posts
    • 18,960 Thanks
    misscousinitt
    Have a lovely day KC.

    Glad your energy levels are staying strong.

    MCI x
    Mortgage Free x 1 03.11.2012 - House rented out Feb 2016
    Mortgage No 2: £99,090.90 (08.11.2016)
    OP's to Date £2000

    Renovation Fund:£944.75; Kitchen Fund (including re-wiring): £notalotleft; Roof Fund £5000.00
    Nectar Points Balance: £35.49
    • beanielou
    • By beanielou 14th Oct 16, 8:11 PM
    • 44,858 Posts
    • 155,435 Thanks
    beanielou
    Hope you got a lovely lampshade for the cosy corner
    Lou~ Debt free Wanabe No 55 DF 03/03/14.
    **Credit card debt free 30/06/10~** **Weight loss 2 stone 11 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 15th Oct 16, 9:13 AM
    • 26,543 Posts
    • 140,126 Thanks
    Karmacat
    Thanks both! Yes, energy levels still good, thanks, though "normally" tired when I got back plus I finally got in contact with the Man With A Van to take care of the collapsing shed and the cherry laurels. £280 which was a lot more than I hoped

    This is the lampshade http://www.wilko.com/pendants+lamp-shades/wilko-capiz-angular-drum-silver/invt/0329149 wanted something with a little more character than totally plain, and you can't beat that for £6

    I think I have to get some other quotes for that work, though, it's too much to pay out without doing that.

    Otherwise, today, a bit of socialising I know, a shocker, coming from me, but something little and very local. Plus phone calls to my sister-home-from-France
    Retired August 2016

    Goal: earnings of £25k from new opportunities from September 2016 to December 2020 when my state pension kicks in.
    Currently: 86.53/25,000
    Save
    • Cheery Daff
    • By Cheery Daff 15th Oct 16, 12:34 PM
    • 7,044 Posts
    • 32,795 Thanks
    Cheery Daff
    Ooh, cheerful lampshade! Gosh, that's a lot for the quote though - is it just one trip to the tip?! Crikey! Definitely sounds like you'd be wise to get another quote!
    Saved for house move: £8570
    • Karmacat
    • By Karmacat 15th Oct 16, 1:09 PM
    • 26,543 Posts
    • 140,126 Thanks
    Karmacat
    Glad you like the lampshade, Cheery

    I wonder if I just have to bite the bullet on the handyman charges ... been doing some research: a van/light lorry of the sort he uses is £60 a day + VAT to hire locally. There are charges at the local tips for garden waste since 1 October, which he'll have to pay. And looking at local firms, a man and van (no labourer) is £50 for two hours. "A row of cherry laurels" doesn't *begin* to describe the number of tree-trunk sized "branches" he'd have to cut down, and take through to the kerb. Since they're at the very back of the back garden, he'd have to take each one about 100'. Plus dragging everything out of my shed, taking off the doors I want to save for a cold frame project, and then dismantling the shed and carting that the same distance.

    I'll ring him on Monday and ask about cash ... if he doesn't budge at *all*, I'll do some more ringing around.
    Retired August 2016

    Goal: earnings of £25k from new opportunities from September 2016 to December 2020 when my state pension kicks in.
    Currently: 86.53/25,000
    Save
    • beanielou
    • By beanielou 15th Oct 16, 1:16 PM
    • 44,858 Posts
    • 155,435 Thanks
    beanielou
    Sadly things like that seem to be very expensive if you can get someone to do them at all.
    Lou~ Debt free Wanabe No 55 DF 03/03/14.
    **Credit card debt free 30/06/10~** **Weight loss 2 stone 11 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 15th Oct 16, 1:31 PM
    • 26,543 Posts
    • 140,126 Thanks
    Karmacat
    Thanks Beanie - can you remember what you paid, please? PM me if you don't want to put it on the thread (I have no shame ).
    Retired August 2016

    Goal: earnings of £25k from new opportunities from September 2016 to December 2020 when my state pension kicks in.
    Currently: 86.53/25,000
    Save
    • Secret Saving Squirrel
    • By Secret Saving Squirrel 15th Oct 16, 1:50 PM
    • 3,669 Posts
    • 34,115 Thanks
    Secret Saving Squirrel
    Oh dear, that is a lot. If you lived nearer I would come and take the trunks for logs. Do you know anybody with a log burner? Only this morning I was in the garden smashing up an old fence panel for kindling.
    Paid off mortgage nine years early in 2013. Now picking and choosing our work to fit in with the rest of our lives!
    Still thrifty though, after all these years
    • Karmacat
    • By Karmacat 15th Oct 16, 1:58 PM
    • 26,543 Posts
    • 140,126 Thanks
    Karmacat
    Aw, thank you Squirrel! Actually, the guy over the road uses offcuts from his work as a carpenter to burn in his stove .... hmmm. I don't know if cherry laurel can be used in that way though. Might have to be a bit inventive at this - too much talking with my sister has possibly given me an attitude of "throw money at a problem with the house", even when I don't have money!

    Okay. At the moment, I'm checking a walking route on an interactive map. Not going to do that. I'm off into the garden and investigate a little further....

    thanks again!




    ETA 14.45: brainwave, thanks to the lovely peeps on this thread. I'd done quite a bit of cutting back of the laurel myself, when I still suffering with the chronic fatigue. I can do more! Just cut three branches, and hacked away a fair bit more. So now, I'm hunting out my cute little BBQ (cast iron, 19th century, French) and I'm going to experiment with burning some bits. Can't see any neighbours with washing out, even though its so lovely right now, so its ideal. Better search online about firing up in elderly cast iron, and then I'm away. Had to get the vacuum cleaner ready to hoover up any ginormous eight legged unfriendlies that might be disturbed by moving the BBQ though they can shove off to the copse over the road
    Last edited by Karmacat; 15-10-2016 at 2:45 PM.
    Retired August 2016

    Goal: earnings of £25k from new opportunities from September 2016 to December 2020 when my state pension kicks in.
    Currently: 86.53/25,000
    Save
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