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  • FIRST POST
    • Karmacat
    • By Karmacat 16th Jan 14, 7:37 PM
    • 27,229Posts
    • 146,474Thanks
    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.Save
Page 279
    • Karmacat
    • By Karmacat 20th Mar 17, 8:32 AM
    • 27,229 Posts
    • 146,474 Thanks
    Karmacat
    Mega Finance Post
    Done: 10 items
    - ensure insurance company have deleted my card
    - check money in English and French bank
    - make notes on the ratesetter account emails
    - inform savings accounts that I don’t pay tax
    - send money to France
    - pay French accountant
    - check on refund from hmrc
    - update work website for colleague
    - English accounts
    - French accounts
    - spend bonus vouchers at iceland


    Done, but finish or make sure: 9 items
    - check French management company: have my cheques been credited?
    - change their direct debit if necessary
    - check the french accountant has been paid
    - spend boots points, mine and mum's.
    - sort paypal: am now only using one account, but how do I use the US$10, as well as the sterling?
    - probate forms finished and signed, make sure we receive it back.
    - decided how much additional pension payment I can make: it's only £2,500, to keep things simple, got to do that in the first part of this week.
    - remember to spend £1 and £5 coins and notes
    - tried to log on to hmrc the other day, and the ringback (an added security feature) isn't working **again** - need to sort that


    Still to do: 17 items
    - ask french accountant if I need separate insurance, or does management company pay for this?
    - check on NI bill – I don’t think its taken by dd any more!
    - spend my nectar card points
    - existing regular saver only has one more payment to make, remember to start a new one asap.
    - sort talktalk bill, change provider, booster for router, state of the wires, complaint
    - sort mobile: orange or giffgaff, unlock mobile
    - open little isa
    - cash the little cheque in the desk
    - split "other isa" into two.
    - check again on how much of my pension funds are in cash and stocks, adjust proportions appropriately.
    - I let a cahoot account go dormant, reactivate it and do the next point on here instead:
    - open a 2nd current account: opening bonus, interest rate, Reg Saver, no of dir debits
    - online selling, some postal, some collect only.
    - rejig my ISAs – some have matured, they’re now on the worst possible rates.
    - shall I invest in Brighton Energy?
    - dehydrator book: even though it might be easy to buy, I might instead research the particular items I want to dry, and print out each one, or put it on kindle, I really don't want to buy a whole book on dehydrating, its very offputting for some reason.
    - soon coming up to *next* year's accounts. Get them ready, if not done!
    Save
    Last edited by Karmacat; 20-03-2017 at 9:19 AM.
    Retired August 2016

    Goal: earnings of £25k from new opportunities from September 2016 to December 2020 when my state pension kicks in.Save
    • beanielou
    • By beanielou 20th Mar 17, 8:47 AM
    • 46,074 Posts
    • 162,743 Thanks
    beanielou
    Wow,you have achieved a lot.
    That's a monster list to still go through though
    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 20th Mar 17, 9:22 AM
    • 27,229 Posts
    • 146,474 Thanks
    Karmacat
    Thank you all! There's quite a lot to it, it has to be said that's why I'm not putting the other stuff on here as well, it would just look silly

    I think I need my Second Breakfast now - just like a hobbit
    Retired August 2016

    Goal: earnings of £25k from new opportunities from September 2016 to December 2020 when my state pension kicks in.Save
    • Karmacat
    • By Karmacat 20th Mar 17, 11:15 AM
    • 27,229 Posts
    • 146,474 Thanks
    Karmacat
    - tried to log on to hmrc the other day, and the ringback (an added security feature) isn't working **again** - need to sort that
    Originally posted by Karmacat
    They answered my query by email this morning, suggesting I try again and if I still can't log on, send various detailed info. Just done as they suggest, and lo and behold, nothing happened, so the detailed info was sent. We'll see what happens - not urgent, but its very unsettling not to be able to log on.

    Offline now, off to see my business partner. Hope everyone has a great day
    Save
    Retired August 2016

    Goal: earnings of £25k from new opportunities from September 2016 to December 2020 when my state pension kicks in.Save
    • themadvix
    • By themadvix 20th Mar 17, 1:06 PM
    • 757 Posts
    • 3,056 Thanks
    themadvix
    Hey KC, glad you're back safe and sound. It sounds like you've got plenty to be getting on with, but make sure you intersperse it with fun stuff - don't forget, you're retired now, no(t quite as many) deadlines! :P

    [B]

    Done, but finish or make sure: 9 items

    - sort paypal: am now only using one account, but how do I use the US$10, as well as the sterling?


    Still to do: 17 items

    - check on NI bill – I don’t think its taken by dd any more!
    Save[/CENTER]
    Originally posted by Karmacat
    I might be able to help with these two:

    Paypal: you should be able to convert the $$s into ££s in the account - does it show them as two separate balances? If so, on the homepage (where the balances are shown on the left-hand side) there should be a link underneath that says 'Currencies' - if you click on this you should go to a page where there's a box on the right that you can convert the money in. I hope that works for you - and I'm basing this on a business account showing in the 'newer' version of PP (it sometime reverts randomly to the old one!), so the links might be different....

    NI: I *think* (and please don't quote me on this), that if this is for Class 2, it's now taken when you do your tax return. I used to receive a bill and pay it manually but this stopped a while ago and I think it was shown on my tax return last year as part of the calculation. But DO check!
    OPs 2017 = £2603/£10000
    S&S ISA = £200/£600
    OPs made 2016 = £6142.12
    Starting balance 2012: £132000; balance June 2017: £99,974
    MFW2017 no. 38
    • greent
    • By greent 20th Mar 17, 2:51 PM
    • 5,817 Posts
    • 58,750 Thanks
    greent

    - sort paypal: am now only using one account, but how do I use the US$10, as well as the sterling?
    Originally posted by Karmacat
    Last time I got paid in US$ on paypal there was an option on there to pay that money into the sterling paypal account (ie: exchange it) - haven't had any $ payments in a while, so can't say if that still exists - but it was very easy to do (but not an obvious find, iyswim)

    If you have 2 separate paypal accounts (different email addresses) - contact them about merging them. They are actually quite helpful nowadays by phone/ live chat - much better than years go

    x
    Repaid mtge early (orig end 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
    Next up: BTL Mtge 12/16 Bal £69786. 2017 OP target (#18) £2000/£3286
    Net sales 2017 £457.00/£500 PAYDOX17 £9435/£10k Decluttered 750/2017 items
    • Karmacat
    • By Karmacat 20th Mar 17, 8:22 PM
    • 27,229 Posts
    • 146,474 Thanks
    Karmacat
    **Huge** appreciation for reading through that massive post in detail to comment on individual items thank you!

    Madvix - As far as the money is concerned, I had two tiny amounts of dollars in separate sterling accounts - now I've sent the tiniest one to my normal account, it should have just over ten dollars in there. When it only had $6.65 in, I couldn't convert, it wasn't enough to pay the charges It *might* be enough now, but of course there'll be about a nickel left! I'd rather try to find a way to use the dosh, but if I can't, I won't bother paying the charges, I'll donate it to a charity.

    And I think you're right about Class 2s - thats the reason I wanted to log in to HMRC, to check the wording of the payment I just made in January. Frustrating, isn't it!

    I just looked at my scanned bank statements - last year, and ten years ago - and the NI debit definitely isn't there these days. I'll still check the wording when I can get on to HMRC, though

    greent - I didn't think of merging, I just sent the little bit of dollars to my standard account, so this unknown one is now empty - I think there's a button somewhere to say "close account"

    How on earth did I get paid in US dollars, twice? Was it a refund on things I bought when I was in the States, back in the day? Not a clue!
    Retired August 2016

    Goal: earnings of £25k from new opportunities from September 2016 to December 2020 when my state pension kicks in.Save
    • Karmacat
    • By Karmacat 20th Mar 17, 8:32 PM
    • 27,229 Posts
    • 146,474 Thanks
    Karmacat
    Madvix's point about making time for the fun stuff is important - I'd hoped to be doing that by now. But there's too much left over undone from when I was ill, and when I was helping look after my mum, years of it - I really need till the end of March to focus on a bit of catch up. I won't *fully* catch up, but nor will I be able to have people round, or set off to enjoy myself properly, with things the state they're in.

    There's also the fact that its still only March, and I'm afraid I feel very tentative about landing myself in the middle of the lurgies that are still lurking about at this time of year. May sound paranoid, but I've been so ill for so long, I'm willing to wait a little bit longer till there are a few less around, and I can use that time to catch up.

    Anyway ... I was catching up with my business partner today, I first met him in 1985 certainly counts as a social thing, and we've set some possible dates to meet up with another person for our board games evening And I'm contacting far-flung friends and trying to arrange visits - its the local stuff I just don't have, because I got ill so soon after I moved here. From the start of next month, it will move up the priority chain (there'll be a Mega Socialising Post soon ).

    As you can see, its been in my thoughts
    Retired August 2016

    Goal: earnings of £25k from new opportunities from September 2016 to December 2020 when my state pension kicks in.Save
    • Karmacat
    • By Karmacat 21st Mar 17, 8:48 AM
    • 27,229 Posts
    • 146,474 Thanks
    Karmacat
    People checking in with me here is so nice ... thank you all. And a much-loved mse friend who lost her mse log-in, but has been catching up with this diary, is checking in on facebook ... not easy to do that, thats also very much appreciated.

    So ... today:
    - bit of cleaning done, and preparing for more.
    - wm is on.
    - tidying! Omigod, tidying ...
    - HMRC have replied with more suggestions, once the wm has finished yelling at me, I'll get started on that.
    - two little bits of online banking to be done: pay a monthly cc, and transfer the £2,500 to my cheque account so I can pay into my pension.
    - check into both paypal accounts again, see if I can finish things off.
    - turns out that the paperwork I'd done to open the little isa has been accepted, I thought I'd been a bit wonky filling in the form, so I just need to check that paperwork and update my list
    - dw *will* be on.
    - clean the porch - I have a supermarket delivery planned for early afternoon, and I *really* don't want to be stumbling about on the cluster flies
    - to finish on a high: it's sunny! so I'm going to do what Cheery did, and experiment with sitting out on the patio for ten minutes
    Retired August 2016

    Goal: earnings of £25k from new opportunities from September 2016 to December 2020 when my state pension kicks in.Save
    • Suffolk lass
    • By Suffolk lass 21st Mar 17, 9:12 AM
    • 1,211 Posts
    • 15,236 Thanks
    Suffolk lass
    Really enjoy reading your diary - just checking in really. Are you planning to grow any produce in your garden this year?
    MFiT T4 #2 update 25.95% after Q5
    Save £12k in 2017 #64 - £4340.03/£4583.33 (39.45%/41.66%) after May - my annual target is £11,000 (Save £12k in 2016 thread £10,488.04/£10,000)
    OS Grocery Challenge 2017 budget of £3,600 £3000 (reduced from Apr) - 40.12/41.67% including stores after May
    Reading and learning about investing...
    • Karmacat
    • By Karmacat 21st Mar 17, 9:31 AM
    • 27,229 Posts
    • 146,474 Thanks
    Karmacat
    Aw, thank you Suffolk lass! What a nice thing to say.

    Growing *this* year. Yes, I want to.

    Already growing edible plants: bay (a bit pot-bound), raspberries, rose, lemon balm, chives, oregano, salad burnet, sage (this plant isn't very well, no sage to eat this year, I don't think), rhubarb, sorrel, blackcurrants, rosemary, lavender, garlic, wild garlic, quince, winter savory (also ill, because its been submerged by weeds), a couple of blueberry plants that were planted in the wrong place and I'll either give up on them (because of soil type) or move (to get a sunnier position for them).

    Other things are growing, but those are the edible ones.

    To plant this year: chives, which I'll buy from a flower stand in the next town, to get them growing well this year directly in the soil, and the seeds I just bought from realseeds: nasturtium, marigold, lettuce, courgettes, and bread poppy (where the seeds don't fly away like ordinary poppies). Those will be planted into the gro bags I'll be standing on the cardboard by the fence that needs some retaining support. I'll grow some basil in the house, from a supermarket pot, and that will be that!

    Mustn't, mustn't, buy anything else, I'm usually far too ambitious about what I can plant

    Going to pop over to your diary to check out your gardening
    Retired August 2016

    Goal: earnings of £25k from new opportunities from September 2016 to December 2020 when my state pension kicks in.Save
    • greent
    • By greent 21st Mar 17, 11:35 AM
    • 5,817 Posts
    • 58,750 Thanks
    greent
    Lots going on in the garden, Kc - I often think of your '15 minutes' which prompts me to spend a bit of time in mine (usually less than 15, though! - grabbing weeds as I walk by, etc )

    x
    Repaid mtge early (orig end 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
    Next up: BTL Mtge 12/16 Bal £69786. 2017 OP target (#18) £2000/£3286
    Net sales 2017 £457.00/£500 PAYDOX17 £9435/£10k Decluttered 750/2017 items
    • beanielou
    • By beanielou 21st Mar 17, 12:09 PM
    • 46,074 Posts
    • 162,743 Thanks
    beanielou
    I think the 15 minute rule works so well for so many things
    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 21st Mar 17, 12:11 PM
    • 27,229 Posts
    • 146,474 Thanks
    Karmacat
    If my garden was okay at the start, greent, 15 minutes would be fine - I'm hoping I'll have it at that stage again by this summer I'm glad it speaks to you, though, and I really, really want to get back to it!

    Get back to it from all this finance stuff:

    - did the banking bits, paid a cc, moved money so I can pay into a pension.

    - HMRC - after another email, and a conversation in which I seemed to describe my birthmarks, the security questions were so detailed, I got access to my account! The point of which was to check on whether my NI Class Twos were included in the payment I made at the end of January 2017, and they were job done.

    - Paypal - this is a fun one. I accepted the little dollar amount I sent to myself, and found out I could accept it in sterling! Result - $3.52 becomes £3.02, no charges, which is brilliant. So next month, I'll do that in reverse - send the still existing $6.65 to my other account, accept it in sterling, and then use it on something I want from ebay, say. Must check the now-empty paypal account has sterling on it as the primary currency, job done!

    - turned out I'd done the paperwork to open the tiny little ISA and it had been accepted by the firm. Just looked at the paperwork that arrived, and there's nothing else to do. I can't tell you how pleased I am at that!

    I think its time to alter my Mega List

    One little problem, though - I need to make a payment to the dratted management company in France, and they've changed banks themselves, which means I need to alter my equivalent of my direct debit to them. Sigh ... never mind, its just emails and printed forms sent as email attachments. It'll happen

    Off out for a very quick walk, now, get the sun in my face, as my supermarket delivery is due in less than an hour.

    Save
    Retired August 2016

    Goal: earnings of £25k from new opportunities from September 2016 to December 2020 when my state pension kicks in.Save
    • Knit Witch
    • By Knit Witch 21st Mar 17, 12:16 PM
    • 3,686 Posts
    • 26,745 Thanks
    Knit Witch
    Hope you get the cluster fly thing sorted (it sounds grim!)
    "Shop" From Stash (5 skeins down!)
    OS Weight Loss 5/3
    • EatingTheElephant
    • By EatingTheElephant 21st Mar 17, 7:14 PM
    • 887 Posts
    • 4,491 Thanks
    EatingTheElephant
    Amazing little jiggle with the Paypal dollars
    • earthgirl
    • By earthgirl 21st Mar 17, 7:57 PM
    • 2,218 Posts
    • 17,873 Thanks
    earthgirl
    Glad its all going well, that is a mega list! I know what you mean about clearing the decks before embarking on your next project. Hope you enjoyed the sunshine.
    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 )
    April 17 £33,710
    Kids savings 13,578/36k
    • Darpett
    • By Darpett 22nd Mar 17, 8:29 AM
    • 58 Posts
    • 349 Thanks
    Darpett
    Re the garden, not sure you caught the recent series of Big Dreams Small Spaces with Monty but that had a really diverse range of projects. The one that (to me) felt most relevant for most people was a guy who, having had some struggles, got an allotment on a whim and was overwhelmed by the task of sorting it even though he loved being there.

    The advice was to pick a small area and do it well. I am sure you know this but I have been like you in the past and tried to do too much and got disheartened when it didn't come together. I now focus on one project (such as decimating brambles or weeding a bed) before I even consider the next plan.

    A good tip I was told - if you have a patch that needs improving dump a load of compost on it in autumn and let the worms and weather do the hard work of mixing it in. It works pretty well and my beds are no dig now

    Although if the weather there is like it is here today it will be a paperwork day!
    • themadvix
    • By themadvix 22nd Mar 17, 8:48 AM
    • 757 Posts
    • 3,056 Thanks
    themadvix
    Love the 15 minute thing - I know for you it was 15 mins and stop KC, but I find that if I start something with the attitude that I only have to do it for 15 mins, I get into it and carry on afterwards.

    Your garden sounds like it will be super productive this year!
    OPs 2017 = £2603/£10000
    S&S ISA = £200/£600
    OPs made 2016 = £6142.12
    Starting balance 2012: £132000; balance June 2017: £99,974
    MFW2017 no. 38
    • Suffolk lass
    • By Suffolk lass 22nd Mar 17, 9:38 AM
    • 1,211 Posts
    • 15,236 Thanks
    Suffolk lass
    Aw, thank you Suffolk lass! What a nice thing to say.

    Growing *this* year. Yes, I want to.

    Already growing edible plants: bay (a bit pot-bound), raspberries, rose, lemon balm, chives, oregano, salad burnet, sage (this plant isn't very well, no sage to eat this year, I don't think), rhubarb, sorrel, blackcurrants, rosemary, lavender, garlic, wild garlic, quince, winter savory (also ill, because its been submerged by weeds), a couple of blueberry plants that were planted in the wrong place and I'll either give up on them (because of soil type) or move (to get a sunnier position for them).

    Other things are growing, but those are the edible ones.

    To plant this year: chives, which I'll buy from a flower stand in the next town, to get them growing well this year directly in the soil, and the seeds I just bought from realseeds: nasturtium, marigold, lettuce, courgettes, and bread poppy (where the seeds don't fly away like ordinary poppies). Those will be planted into the gro bags I'll be standing on the cardboard by the fence that needs some retaining support. I'll grow some basil in the house, from a supermarket pot, and that will be that!

    Mustn't, mustn't, buy anything else, I'm usually far too ambitious about what I can plant

    Going to pop over to your diary to check out your gardening
    Originally posted by Karmacat
    Eek! I'd better start posting about gardening then! Impressive list, BTW!
    Last edited by Suffolk lass; 22-03-2017 at 9:42 AM.
    MFiT T4 #2 update 25.95% after Q5
    Save £12k in 2017 #64 - £4340.03/£4583.33 (39.45%/41.66%) after May - my annual target is £11,000 (Save £12k in 2016 thread £10,488.04/£10,000)
    OS Grocery Challenge 2017 budget of £3,600 £3000 (reduced from Apr) - 40.12/41.67% including stores after May
    Reading and learning about investing...
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