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  • FIRST POST
    • Karmacat
    • By Karmacat 16th Jan 14, 7:37 PM
    • 27,212Posts
    • 146,264Thanks
    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 290
    • earthgirl
    • By earthgirl 18th May 17, 5:26 PM
    • 2,208 Posts
    • 17,793 Thanks
    earthgirl
    Karma I'm with you on the post, I just had a big sort out and now trying to do it as it arrives. My piles are "must do now" "do ten mins of every day" and "filing" once per week. It's working ok..
    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 18th May 17, 8:51 PM
    • 27,212 Posts
    • 146,264 Thanks
    Karmacat
    Yep, I think I may have to go back to that, its starting to get a bit silly.

    No chance to do any gardening today utterly throwing it down, so I'm picking at jobs in the house - tidying, cleaned the insides of some windows, bit of work on the computer, but an amazing amount of that list hasn't bee done really, I don't know why I bother making a list on some days
    Save
    Retired August 2016

    Goal: earnings of 25k from new opportunities from September 2016 to December 2020 when my state pension kicks in.Save
    • EatingTheElephant
    • By EatingTheElephant 18th May 17, 9:26 PM
    • 875 Posts
    • 4,403 Thanks
    EatingTheElephant
    I make lists to get things out of my head, not necessarily because they have to be done! Leaves more room in my brain to think of crazy ideas
    • Karmacat
    • By Karmacat 19th May 17, 8:39 AM
    • 27,212 Posts
    • 146,264 Thanks
    Karmacat
    Thats a *very* good point EE - I often find myself making a list on my phone quite late in the evening for that very reason, calms my headspace down. My sister seems to have temporarily claimed my Decluttering Crown, however, so I have to get my act together. In that spirit:

    - weeding, *anything* would be better than nothing.
    - open the dratted post, woman, that *really* needs doing.
    - evacuee letters, the transcripts, scans of the originals, and the originals themselves, all need to be collated and integrated.
    - cleaning, especially in the kitchen. That would be awfully nice.
    - strong possibility of a trip to the charity shops to donate stuff. That will mean walking, which is A Good Thing.

    I've peeped into one of the boxes languishing in my bookcase, which used to languish in my under the stairs cupboard. Erm, ornaments. Cats, nearly all of them. Not all of which I like, so I'm going to be strong.
    Retired August 2016

    Goal: earnings of 25k from new opportunities from September 2016 to December 2020 when my state pension kicks in.Save
    • carbootcrazy
    • By carbootcrazy 19th May 17, 9:08 AM
    • 3,629 Posts
    • 20,242 Thanks
    carbootcrazy
    .....I've peeped into one of the boxes languishing in my bookcase, which used to languish in my under the stairs cupboard. Erm, ornaments. Cats, nearly all of them. Not all of which I like, so I'm going to be strong.
    Originally posted by Karmacat
    That strikes a chord, KC

    People know I love cats and always have so you can probably imagine how many cat ornaments I've been given as gifts over my lifetime. Some are hideous but as they were from children I kept them, even had them on display at times, but for the most part they've lived in the attic (the ornaments not the children)


    When we had some extra insulation put in the loft I 'found' all these boxes and was amazed at how many cats there were. A lot went to charity shops and I sold some at car boot sales. I still have plenty that I can't decide what to do with mainly because of sentimental attachment to the giver or the memories they evoke. I doubt they'll ever go on display and be seen so, like you, I have to do something about them. My practice of storing things out of sight in boxes is something I'm making a real effort to remedy
    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
    • Karmacat
    • By Karmacat 19th May 17, 9:13 AM
    • 27,212 Posts
    • 146,264 Thanks
    Karmacat
    I can absolutely imagine your situation, CBC

    In fact, I have to be careful I don't do the same thing to my niece, who loves rabbits in the same way. At least nowadays there are mugs, nice mugs, mousemats and whatnot, vaguely useful things.

    I don't have anything in the loft here, except the extra insulation I brought with me. Nothing is going up there, not even cases, or Christmas deccies, I just can't bear the thought of it.

    The Kon Mari thread is helpful about this - we pay for space when we buy our houses, and especially here in the south east, thats a *lot* of money - but if it's not available to you because you're storing so much stuff, you're really losing out both ways.

    Right, I can feel myself wanting to re-check websites to avoid getting off the computer and doing actual, "work", y'know, so I'm going to open the post Right Now
    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 19th May 17, 9:17 AM
    • 750 Posts
    • 3,030 Thanks
    themadvix
    CBC, perhaps you could take photos of those that you don't like enough to have on display but which have sentimental value/guilt attached to them? Then you won't forget their existence (if you look through the photos every now and then), but they could be given away/sold (surely these sorts of things go well at boot sales - the couple of cat bits I had went well at mine last month!) and not clutter up your house/mind?
    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
    • carbootcrazy
    • By carbootcrazy 19th May 17, 9:33 AM
    • 3,629 Posts
    • 20,242 Thanks
    carbootcrazy
    CBC, perhaps you could take photos of those that you don't like enough to have on display but which have sentimental value/guilt attached to them? Then you won't forget their existence (if you look through the photos every now and then), but they could be given away/sold (surely these sorts of things go well at boot sales - the couple of cat bits I had went well at mine last month!) and not clutter up your house/mind?
    Originally posted by themadvix
    Thank you, that's a really good idea

    I've sold a lot of them at car boot sales in the past. I agree, cat-related things sell really well. It's just the ones that I feel bad about letting go that I have left now. I'm always guilt-ridden about something or another. I think I'll give your photo idea a go
    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
    • Karmacat
    • By Karmacat 19th May 17, 9:37 AM
    • 27,212 Posts
    • 146,264 Thanks
    Karmacat
    Photos and scans have been so important to me in enabling me to let things go - and I've never, ever had a thing of "ooh, I wish I still had that". I gave a hand-knitted (by me) jumper to a friend on here, and when I look at the photo of it, I think, I'm so proud of what I knitted, but I could never have worn it, the wool was so rough on my skin, even through a blouse. And giving it, as opposed to selling it, was the only way I could cope with letting go; I'm still happy I did that.

    Opening the post, btw, has revealed what I expected - a cc statement to be paid, annual statements to file, pre-filled in forms from barclaycard that I'll have to shred, and one personal note, which is rare but nice
    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 19th May 17, 12:30 PM
    • 750 Posts
    • 3,030 Thanks
    themadvix
    and one personal note, which is rare but nice
    Originally posted by Karmacat
    Was worth opening then!
    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 19th May 17, 1:47 PM
    • 27,212 Posts
    • 146,264 Thanks
    Karmacat
    Definitely

    Just had a long catchup call wiv bruv, and then I'm sorting recipes on the computer, mixing and matching with evacuee letters, cleaned the inside of the kitchen window, plus I'm trying to get my washing dry. Its only 1.30, and its been out on the line twice and I've brought it in twice I might just give in and put the heating on for 20 mins

    Rainclouds really are an item du jour
    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 19th May 17, 8:45 PM
    • 2,208 Posts
    • 17,793 Thanks
    earthgirl
    Pleased the post is sorted. Imagined boxes of the 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 20th May 17, 9:21 AM
    • 27,212 Posts
    • 146,264 Thanks
    Karmacat
    I know, I've made a fuss about it, haven't I?

    One thing I'm definitely going to let go of is the sheer number of aloe vera plants. I was given *one* about 20 years ago, I've given some away on freegle, but I have seven - its just too many! They're very prolific as house plants, and it means I don't really have space to grow basil, and I really *want* space to grow basil

    Need to plot family trips today - now we have probate, we need to tell the financial people and get our mitts on the money. It's only me that does that work, so I need to get up to Merseyside before the end of the century and get going. Juggling dates is the thing that holds it up, so thats the work.

    Weeding and bonfiring would also be Good Things, as would getting charity shop goods out of the house.

    Finding out what investments have what proportions of cash/shares/bonds would be good too.

    I'm spoiled for choice, in other words
    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 23rd May 17, 9:35 AM
    • 27,212 Posts
    • 146,264 Thanks
    Karmacat


    Family trips that were planned are now delayed till tomorrow, cos of rail problems in my area. I'd bought a Super Off Peak from the rail company whose train I was using, so I can get a full refund, no admin charge, hurray.

    That leaves me today ... so here we go:

    - rearrange rail ticket for tomorrow, apply for refund for today's.

    - must, must must phone pest controller. Sounds like something is in the cavity walls, actually, if it was on my party wall I'd say my neighbour was playing silly beggars with their plugs. As it isn't, I'd say something is scratching something hard

    - I've swept upstairs, need to finish off downstairs.

    - weeding or bonfire. Been working on the slim border that takes up part of the side return at the back, I want to keep it clear to put perennial herbs there that don't mind a bit of shade - mint, that sort of thing, anything that's nice and low, the whole thing was planted much too densely with very tall plants, it was horrible to come out to.
    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 23rd May 17, 11:25 AM
    • 27,212 Posts
    • 146,264 Thanks
    Karmacat
    Net Worth Update
    And as usual, I've not done anything on the list, but I *have* been mse

    Increase in NW of 435, in spite of expenditure, mostly because of a stocks and shares isa that just reported in, a 707 uplift. Percentage increase not wonderful in spite of record stock market highs, though I'm not quite sure (early days yet with this!).

    Lots of medium-term financial admin to be done, but the long-term actually takes precedence, I think, transferring some stocks and shares isas to bonds/cash holdings isas etc. Pension funds too.

    Snacks first though
    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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