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    • Karmacat
    • By Karmacat 16th Jan 14, 7:37 PM
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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
Page 290
    • earthgirl
    • By earthgirl 18th May 17, 5:26 PM
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    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 )
    June 17 £32,053
    Kids savings 13,578/36k
    • Karmacat
    • By Karmacat 18th May 17, 8:51 PM
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    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
    • EatingTheElephant
    • By EatingTheElephant 18th May 17, 9:26 PM
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    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
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    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
    • carbootcrazy
    • By carbootcrazy 19th May 17, 9:08 AM
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    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-July: £3687.51 Aug: £250.75
    3-6 Months Emergency Fund Challenge #12: £3358.00/£5000. This is so hard but I will do it.

    Original Debt: £56804 (@ LBM 02/13). Balance now: £21808
    . Getting there
    • Karmacat
    • By Karmacat 19th May 17, 9:13 AM
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    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
    • themadvix
    • By themadvix 19th May 17, 9:17 AM
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    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 = £300/£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
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    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-July: £3687.51 Aug: £250.75
    3-6 Months Emergency Fund Challenge #12: £3358.00/£5000. This is so hard but I will do it.

    Original Debt: £56804 (@ LBM 02/13). Balance now: £21808
    . Getting there
    • Karmacat
    • By Karmacat 19th May 17, 9:37 AM
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    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
    • themadvix
    • By themadvix 19th May 17, 12:30 PM
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    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 = £300/£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
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    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
    • earthgirl
    • By earthgirl 19th May 17, 8:45 PM
    • 2,351 Posts
    • 18,913 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 )
    June 17 £32,053
    Kids savings 13,578/36k
    • Karmacat
    • By Karmacat 20th May 17, 9:21 AM
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    • 150,030 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
    • Karmacat
    • By Karmacat 23rd May 17, 9:35 AM
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    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
    • Karmacat
    • By Karmacat 23rd May 17, 11:25 AM
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    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
    • Karmacat
    • By Karmacat 26th May 17, 8:40 AM
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    Karmacat
    Lots of catchup maintenance being done, though the only financial thing was sending off for a refund of the train ticket I bought for last Tuesday: I was supposed to go to London with my sister (Diana's Dresses!), but there was rail disruption, so we held off. We went on the Wednesday instead, tickets were valid for one visit in any seven days which was really good. Lots of security at the venue and at our train station once we got back, but the worst problem we had because of it was that the cafe garden was closed, and it was stifling and very very very very noisy. Did I say it was noisy? We were some of the youngest there

    Finishing off the pruning of the box hedge, but its delayed because every time I go out there, a pretty little cat, belongs to a neighbour, is curled up asleep in that exact spot I can't possibly move her! I want to do a bonfire today, I'll keep it as far away from her as I can, but all these trimmings have to get gone, they really do. As does a trolley full of tut I can't bear any more charity shop items.

    Financial admin still undone, I'm too ashamed to name it from my last post will try my best on that.
    Retired August 2016
    • carbootcrazy
    • By carbootcrazy 26th May 17, 10:16 AM
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    carbootcrazy
    Diana's Dresses sounds lovely. I'd love to see that exhibition but sadly, no chance unless they do a national tour. Sorry about your transport and other problems though. I expect we'll all have to anticipate delays and disruption wherever we go for the next few weeks after recent tragic events.


    I empathise with your not wanting to disturb the visiting cat. We have all sorts of newts, frogs, toads in our garden and every time OH moves logs or anything on the ground that has just been left there a while he spots some creature or other. We'd never disturb them so, as you'll appreciate, the job is deferred. Doesn't make for a 'tidy' garden but there are more important things in life


    We have lots of house martins nesting on our house every year. We love them, their return every spring is such a welcome sight. To think they return from over-wintering in Africa, apparently to the very same sites where they were born (I read that in a credible wildlife mag once but might do a bit more online research). The trouble is all nests have more than one youngster in at the moment and they start chattering about 3 a.m. and carry on until dark. There are several nests under the roof overhang just above the bedroom window so it doesn't make for a good night's sleep these hot nights when the window remains open, even for me who can sleep on a washing line as they say. I'd rather have them there than not though
    Make £10 A Day Challenge 2017. Jan-July: £3687.51 Aug: £250.75
    3-6 Months Emergency Fund Challenge #12: £3358.00/£5000. This is so hard but I will do it.

    Original Debt: £56804 (@ LBM 02/13). Balance now: £21808
    . Getting there
    • Karmacat
    • By Karmacat 26th May 17, 11:05 AM
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    Karmacat
    I've never had housemartins, I'd love them! My sparrows are loud enough, though I've had a couple of huge frogs in the garden before now - a local field has a sign saying "tadpoles grow in this field, please take care of your dogs", I kid you not, a genuine water meadow

    The dresses were amazing - early ones horrendously frilly, but after 1981, almost everything could have been worn today. It was great to be able to peer closely at stitching details, and there was one dress where there were 2 zips on the outside, but none on the lining, it was very unusual - "design" was an understatement on that one, it was fascinating.
    Retired August 2016
    • carbootcrazy
    • By carbootcrazy 26th May 17, 11:51 AM
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    carbootcrazy
    I've never had housemartins, I'd love them! My sparrows are loud enough, though I've had a couple of huge frogs in the garden before now - a local field has a sign saying "tadpoles grow in this field, please take care of your dogs", I kid you not, a genuine water meadow

    The dresses were amazing - early ones horrendously frilly, but after 1981, almost everything could have been worn today. It was great to be able to peer closely at stitching details, and there was one dress where there were 2 zips on the outside, but none on the lining, it was very unusual - "design" was an understatement on that one, it was fascinating.
    Originally posted by Karmacat
    Diana certainly wore some amazing dresses, especially in the later years as you say. Sad to say, the lovely Kate, Duchess of Cambridge, often looks decidedly 'mumsy' by comparison,whatever she wears.. Must admit, I'd have done anything for Kate's long, thick and lustrous hair when I was younger. Mine was always long but being flyaway it was a nightmare at times
    Make £10 A Day Challenge 2017. Jan-July: £3687.51 Aug: £250.75
    3-6 Months Emergency Fund Challenge #12: £3358.00/£5000. This is so hard but I will do it.

    Original Debt: £56804 (@ LBM 02/13). Balance now: £21808
    . Getting there
    • Karmacat
    • By Karmacat 27th May 17, 8:46 AM
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    Karmacat
    The bodice on the dress she wore to her sister's wedding was horrendous though I've always disliked that particular style - its an awful mix of formless and saggy around the bust, no matter what your underwear's doing

    Anyway ... erm, I have the pest control guy turning up in 20 minutes, so I'm up, all the dishes are in the dishwasher, loos are spotless, windows are open, bed is made and a stepladder is near the loft hatch. I'm at a loss, really - most of the noise is at the level of the skirting boards on the ground floor. When I go outside, nothing is disturbed. Are they inside the cavity wall? Not a clue. Though there hasn't been so much scratching since Ginger Cat made an appearance at my front door and we had a good ten minutes saying hello to one another

    For the rest of today, a bit more work after the pest control guy goes, and then a bit of fun after its stopped raining
    Retired August 2016
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