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  • FIRST POST
    • Karmacat
    • By Karmacat 16th Jan 14, 7:37 PM
    • 27,212Posts
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    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 289
    • greent
    • By greent 9th May 17, 1:06 PM
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    greent
    Yay! I'm all for 'A life well spent' (as said by m&5 on their current advertising!) - and holding onto stuff indefinitely is quite energy sapping, I've found. I'm a huge fan of the ziff1t and musicmagp1e sites and have used them a lot. What I would say (esp with Zif) is I always re-check the unwanted ones with them a few days later - I can normally get another handful accepted - and if I've 'saved' my earlier ones as opposed to 'completing the trade' at the time, these can then all go off in one box when I add both saved sets to my 'basket' - it might only be another £1-2 but I find it worthwhile. I also run the transaction through tcb/ quidc0 - whichever is offering the highest cashback at the time
    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 741/2017 items
    • Karmacat
    • By Karmacat 9th May 17, 1:57 PM
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    Karmacat
    Oh thats an excellent tip, greent, thank you! There's a lot of stuff thats sitting around waiting to be sold, and between the clogged atmosphere and the constant energy required for such little return, I'd rather get shut.

    I've just freaked out completely realising I've made a huge cup mark on a wooden table I've lathered it in teak oil as per this linkie http://thecleanerhome.com/blog/how-to-remove-cup-ring-marks-from-wooden-furniture/

    so we'll see.

    Right, I'm actually going to be doing some writing this aftie, or at least getting back in the groove ... laterz
    Retired August 2016

    Goal: earnings of £25k from new opportunities from September 2016 to December 2020 when my state pension kicks in.Save
    • earthgirl
    • By earthgirl 9th May 17, 6:54 PM
    • 2,208 Posts
    • 17,793 Thanks
    earthgirl
    Complete agree with the time vs a few extra pennies KC, it's hard to decide to get rid of things a bit cheaper than you would have liked (I take most clothes to the charity shop now). Like to think it helps the charity though, as well as giving me more time!
    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
    • Karmacat
    • By Karmacat 10th May 17, 10:24 AM
    • 27,212 Posts
    • 146,262 Thanks
    Karmacat
    Even those little bits of extra money would be nice, earthgirl, but the time is disproportionate. I have a few books that I bought online that are first editions from the 1930s, so I'll probably try to sell those myself again, but the rest can go, as quickly as possible.

    Today, I'm off taking pics of cats in London, I think - there's a cluster near Euston - a plaque to a loved pet, the Carreras Cigarette Factory, and part of a stained glass panel. Two of the three would be good.

    Going to be following the election a bit more closely now, unusually for me - the friend I saw on Sunday is standing for election, zero chance of being elected (a safe seat for the Conservatives), but standing up for the principle of giving people choice.
    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 11th May 17, 10:01 AM
    • 27,212 Posts
    • 146,262 Thanks
    Karmacat
    I got lots of pix of the Carreras Factory, and a few of the stained glass panel - and walked round an area of London I rarely get to. Interesting mix of small scale businesses and "regeneration" around Euston. Gave me some interesting additional ideas for the kindle books.

    Plus I went back on the bus so I saw lots.

    "Home" day today - transport research, writing, fun stuff
    Retired August 2016

    Goal: earnings of £25k from new opportunities from September 2016 to December 2020 when my state pension kicks in.Save
    • earthgirl
    • By earthgirl 11th May 17, 7:25 PM
    • 2,208 Posts
    • 17,793 Thanks
    earthgirl
    Hope you enjoyed your "fun stuff"
    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
    • Karmacat
    • By Karmacat 12th May 17, 9:26 AM
    • 27,212 Posts
    • 146,262 Thanks
    Karmacat
    Yep! Went a walkies ... saw a heron, I'm not kidding, on the River Wandle! As well as swans

    Currently binge watching Masterchef, Orphan Black and Designated Survivor: Kiefer Sutherland as President, who knew Jack Bauer had more to give it's not Jack Bauer .

    More travels today - looking at art works in central London that are cats. I can only find one online in the National Gallery, I'll check out the Portrait Gallery this morning.

    Hope everyone's having a good week. If anyone has any info on marks on wooden furniture they aren't disappearing with teak oil and elbow grease I'm getting scared now, though I don't think they're all caused by me, actually.

    Save
    Save
    Retired August 2016

    Goal: earnings of £25k from new opportunities from September 2016 to December 2020 when my state pension kicks in.Save
    • Cheery Daff
    • By Cheery Daff 12th May 17, 9:42 AM
    • 7,400 Posts
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    Cheery Daff
    Ooh, sounds like you're enjoying your cat travels!

    No advice about cup rings I'm afraid If there are a few though, it may be that they're not that bothered about such things? I know I'm not, and the people I know who are, generally have coasters. Maybe see if you can do some investigating about other potentially cup-ringed surfaces in the house before you spend too much time scrubbing xx
    Saved for house move: £11,884.95
    • greent
    • By greent 13th May 17, 7:57 AM
    • 5,804 Posts
    • 58,643 Thanks
    greent
    There's a lot of yootoob videos about it, but I've never tried anything myself, so can't offer any advice . Would second having a quick peek around for other potential cup-ringed surfaces 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 741/2017 items
    • carbootcrazy
    • By carbootcrazy 13th May 17, 8:32 AM
    • 3,629 Posts
    • 20,242 Thanks
    carbootcrazy
    Sounds as if you are having a great time in London, KC. I'm so happy for you that you are well enough to do so much and are having success finding such interesting cat-related locations


    I know an old fix for ring-marks was cigarette ash (not that I ever tried it myself, being a lifelong non-smoker) but it was often cited as a remedy. I think I saw something online recently with a more acceptable home remedy but can't remember what it was. Will see if I can find it again


    Enjoy the rest of your stay


    EDIT: As expected, I couldn't find the tip I mentioned earler, sorry, but a quick Google brought up a whole list of ideas. This one has several, including pics:

    http://www.wikihow.com/Get-Stains-out-of-Wood

    Don't click the 'download' button at the top, all the remedies are laid out on the page anyway.

    To be honest, I suspect some of these tips are for newish stains as I know that the idea is to remove the moisture just under the surface of the wood that has been left by the cup etc. Not sure what would work for really old established stains as I think yours are.
    Last edited by carbootcrazy; 13-05-2017 at 8:53 AM.
    Make £10 A Day Challenge 2017. Jan-Apr: £1240.02. May: £380.96
    3-6 Months Emergency Fund Challenge #12: £1200.00/£3000. This is such hard going but I will do it.

    Original Debt: £56804 (@ LBM 02/13). Paid : £32316. Balance: £24488
    • Verbatim
    • By Verbatim 13th May 17, 9:01 AM
    • 4,421 Posts
    • 12,546 Thanks
    Verbatim
    Hi KC,
    I use "ringaway" I think it's called. Haven't used it for years but think I have a bottle/ tube knocking about in a cupboard. Works a treat. Will try and find it later.
    How long are you in London for? (I'm a North Londoner).
    V
    CCs @0% £24k Dec 05 £19,621.41 Au £13400 S 12600 Oct £11,981 £9481 £7500 Nov £7250 D £7100 Jan 6950 F £5800 Mar£5400 May £4830 June £4660 July £4460 Aug £3200, S £900, £0 18/9/07 DFW Nerd 042
    • Karmacat
    • By Karmacat 13th May 17, 9:10 AM
    • 27,212 Posts
    • 146,262 Thanks
    Karmacat
    Thank you all! It's the only table of its sort, and the other wooden table had a ceramic coaster on it so I've taken the coaster and I'm using it now. I don't remember the ringstains when I got here last week, though that doesn't prove anything - and there's more than ring stains, there's two blobs of varying sizes and one bit that looks like its been scrubbed (maybe with the wire wool thats mentioned in these links???). I'm almost certain I didn't cause the blobs.

    I'll stay with the "put an oil on and polish" I think - I have a few days yet! And I may be tempted to use my coffee to re-stain, so to speak just a little tiny dab ...

    Otherwise, life is peachy
    Save
    Retired August 2016

    Goal: earnings of £25k from new opportunities from September 2016 to December 2020 when my state pension kicks in.Save
    • smallholdingsister
    • By smallholdingsister 13th May 17, 12:33 PM
    • 3,053 Posts
    • 22,590 Thanks
    smallholdingsister
    Good to hear you are well. Missing work?!
    • Karmacat
    • By Karmacat 14th May 17, 9:21 AM
    • 27,212 Posts
    • 146,262 Thanks
    Karmacat
    Good to hear you are well.
    Originally posted by smallholdingsister
    Thanks SHS - I'm keeping up to date with your potential house sale, very exciting, but not posting on diaries as much while I'm away.

    Missing work?!
    Not even

    The idea of finishing up writing projects while catsitting hasn't really worked - I did a bit on the evacuee letters yesterday, first time. When your surroundings aren't set up for it, it's much more difficult. Confirms me in my decision not to do it as a small business.

    Might pop out to a street market today, as its not too windy, weirdly - my eyes are killing me, there's a lot of grit/particulates in the air, I sort of look like I've been crying, my eyes are so red bleeding allergies!

    Cats are now both allowing themselves to be stroked, even the frightened one, and one will even condescend to stretch out a paw to trap a toy mouse when I throw it about four inches
    Retired August 2016

    Goal: earnings of £25k from new opportunities from September 2016 to December 2020 when my state pension kicks in.Save
    • Firegirl
    • By Firegirl 14th May 17, 5:53 PM
    • 656 Posts
    • 2,683 Thanks
    Firegirl
    Sounds like you've been super busy KC and I think your right don't spend your retirement searching for 50ps. Stick at the stuff you enjoy to save a bob or two!
    Mortgage balance Feb 2015 start of MFW Journey-£245316.06/Aim to be mortgage neutral 2022
    Current Mortgage Balance £202311
    Target for May 2018 - Somewhere inbetween 2 figures below!!
    19 Year Target Balance MF55= £205, 020
    14 Year Target Balance MF50= £191, 314
    • Karmacat
    • By Karmacat 14th May 17, 9:51 PM
    • 27,212 Posts
    • 146,262 Thanks
    Karmacat
    Hi Firegirl, thanks for that! That's it, isn't it - between low energy levels and clutter, its just a lot easier to get the stuff out of the house. I *will* try to sell the wooden ercol-similar sofa, with no webbing in the seating, it has the 6 cushions that were made for it as well, but I'll put the lot on fb for £20, we'll see how that goes.

    I'm looking forward to getting back home and into my own surroundings to finish off my current projects, plus we have some day trips planned, I'd forgotten cos I haven't looked at my diary for 10 days or so

    Wonderful to have the cats around though stroking and chasing cat toys has continued, it wasn't a flash in the pan
    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 17th May 17, 10:59 AM
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    • 146,262 Thanks
    Karmacat
    I'm home! Really missing the cats, but not missing even the minimal work that went into them, I'm sure I'm not ready to take on any sort of work of any description for this year at least.

    Suitcase unpacked and sorted, plants at home are rescued, Asda order booked for tomorrow amended as needed, a Yougov survey done, slow cooked beans are on the go, two loads of washing done, new library books downloaded ...

    Garden has gone berserk, of course, and the whole place needs a clean (I didn't clean before I went away ). Wet out there, so I can't really use the dehydrator today as planned, but it might be a really good day to dig up some weeds and I'm hereby making a vow to open the post before I have a snack this morning. I hate opening post, for some weird reason.

    Okay, weeding, sorting the post, downloading photos from camera, backing up, checking the blogs, and I have to phone my ex-colleague too. That'll be enough
    Retired August 2016

    Goal: earnings of £25k from new opportunities from September 2016 to December 2020 when my state pension kicks in.Save
    • Cheery Daff
    • By Cheery Daff 17th May 17, 12:10 PM
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    Cheery Daff
    Gosh, sounds like you've done plenty already KC!
    Saved for house move: £11,884.95
    • themadvix
    • By themadvix 17th May 17, 5:09 PM
    • 749 Posts
    • 3,029 Thanks
    themadvix
    Hey KC, we got back at the same time! It sounds like you had a good time in the 'big smoke', even if it was a bit polluted for your liking! Loved your comment about Designated Survivor - I tell him to 'be more Jack' when he's being too nice!
    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
    • Karmacat
    • By Karmacat 18th May 17, 10:42 AM
    • 27,212 Posts
    • 146,262 Thanks
    Karmacat
    Hi KC,
    I use "ringaway" I think it's called. Haven't used it for years but think I have a bottle/ tube knocking about in a cupboard. Works a treat. Will try and find it later.
    How long are you in London for? (I'm a North Londoner).
    V
    Originally posted by Verbatim
    Verbatim, sweetie, I never saw your post till just now thank you for helping! So sorry! The ringmarks faded a bit by the time I left, and I grew in the conviction that I hadn't caused them, just hadn't noticed them ... London was a great visit, if I stay another time, maybe we could meet? I had a small psychotherapy practice in various parts of North London for many years

    Gosh, sounds like you've done plenty already KC!
    Originally posted by Cheery Daff
    Yeah, I stopped soon after though I'm seriously lazy after about 1pm, until about 9pm mad timing.

    Hey KC, we got back at the same time! It sounds like you had a good time in the 'big smoke', even if it was a bit polluted for your liking! Loved your comment about Designated Survivor - I tell him to 'be more Jack' when he's being too nice!
    Originally posted by themadvix
    I did, I really liked being around buzz, and then living in a very quiet street, with good soundproofing between houses. Designated Survivor, I really enjoyed, I'm so glad Kiefer has gone for a more mature adult role and not tried to stay Jack Bauer till now. Also love it when he channels Jack

    My washing is taking a million years to dry, drat it, too many dribs and drabs of rain out there to put it out. Post wasn't opened just stacked, and nor were the blogs checked, but I've done everything else, including phone conversations, so thats a win.

    Today:
    - sort timings with brother and colleague.
    - sort day out timings with sister.
    - pack away the supermarket delivery.
    - **open** the post.
    - cleaning/weeding/tidying: my sister will be coming to stay, and going over to her house most days, while plastering is being done. Not for a while yet, but all this stuff needs doing for me anyway.
    - dishwasher is on.
    - hob is cleaned.

    Save
    Retired August 2016

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