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  • FIRST POST
    • Karmacat
    • By Karmacat 16th Jan 14, 7:37 PM
    • 27,715Posts
    • 151,435Thanks
    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 305
    • beanielou
    • By beanielou 31st Aug 17, 9:22 PM
    • 47,211 Posts
    • 169,603 Thanks
    beanielou
    Love it.
    Admin is not what I retired for
    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 1st Sep 17, 10:21 AM
    • 27,715 Posts
    • 151,435 Thanks
    Karmacat
    Exactly, beanie

    Blimey, I'm tired today - and I know why, sadly - I showered and washed my hair early evening, and it took it out of me Still, all I have to do is get myself together for tomorrow.
    Retired August 2016
    • earthgirl
    • By earthgirl 1st Sep 17, 8:11 PM
    • 2,406 Posts
    • 19,443 Thanks
    earthgirl
    Hey hope you had a lovely relax, take it easy!
    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 Sept 17 £22,619
    Kids savings 13,578/36k
    • themadvix
    • By themadvix 2nd Sep 17, 2:29 PM
    • 1,027 Posts
    • 5,417 Thanks
    themadvix
    That was a good summary of your year - it's been an eventful one.

    Hope you have a good day today!
    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 3rd Sep 17, 10:22 AM
    • 27,715 Posts
    • 151,435 Thanks
    Karmacat
    Hello lovely peeps

    I'm whistlestopping on the catsitting - too short to do anything but recover from the journey here and get ready to go home but what's really great is that the cats seem to remember me - the especially friendly one was sitting on my knee even last night



    Finances? Loving my railcard, I walked from the station, bought my standard food at the local supermarket on the way here and there are some very swish ready to eat meals they've stocked in for me

    I have Netflix

    Save
    Retired August 2016
    • Betterthanever
    • By Betterthanever 3rd Sep 17, 11:03 AM
    • 177 Posts
    • 619 Thanks
    Betterthanever
    Sounds like a super Sunday. Have a good one!!
    Former DFW Need 230. Determined to be MF.
    Current balance £116,878.11. Offset £1034.
    end date - 03/29 aiming for 10/22

    Bring it on!
    • Karmacat
    • By Karmacat 3rd Sep 17, 11:29 AM
    • 27,715 Posts
    • 151,435 Thanks
    Karmacat
    Hello BetterThanEver, thanks for that! Having some early lunch soon and then popping out to the local shops I don't usually see, like TKMaxx and Primark.

    You have a good one too
    Retired August 2016
    • beanielou
    • By beanielou 3rd Sep 17, 11:56 AM
    • 47,211 Posts
    • 169,603 Thanks
    beanielou
    So cute the wee cat remembered you
    Have a happy Sunday
    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***
    • smallholdingsister
    • By smallholdingsister 3rd Sep 17, 5:12 PM
    • 3,309 Posts
    • 25,962 Thanks
    smallholdingsister
    Cats are lucky to have such a committed catsitter.
    • Karmacat
    • By Karmacat 4th Sep 17, 10:07 AM
    • 27,715 Posts
    • 151,435 Thanks
    Karmacat
    What a lovely thing to say, SHS

    Bit of a win on the finances yesterday - I walked to the Primark like I said, and found a pair of mid-calf slipper boots, good solid sole, for £6, in the right size. Sort of criminal not to buy them for that price

    Faffing about with the writing today
    Retired August 2016
    • beanielou
    • By beanielou 4th Sep 17, 12:23 PM
    • 47,211 Posts
    • 169,603 Thanks
    beanielou
    What a bargain
    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***
    • rtandon27
    • By rtandon27 4th Sep 17, 12:32 PM
    • 1,963 Posts
    • 12,005 Thanks
    rtandon27
    Oooo - good buy!
    Mine/Hers: May 2011£10835.33May 2016£4709.46Oct 2016£0
    Not Mine/His: June 2016£8175.38Oct 2016£0
    Grand Total£0
    PSST - WE ARE DEBT FREE!!! (24 OCT 2016)
    (With heartfelt thanks to those who have gone before us & their indubitable generosity.)
    • Betterthanever
    • By Betterthanever 4th Sep 17, 1:52 PM
    • 177 Posts
    • 619 Thanks
    Betterthanever
    Happy faffing!!!
    Former DFW Need 230. Determined to be MF.
    Current balance £116,878.11. Offset £1034.
    end date - 03/29 aiming for 10/22

    Bring it on!
    • Karmacat
    • By Karmacat 5th Sep 17, 8:58 AM
    • 27,715 Posts
    • 151,435 Thanks
    Karmacat
    Yup, I faffed right up to the Kings Road for half an hour didn't dare go in the Manolo Blahnik shop but I did go into the Red Cross charity shop a few doors away - Ralph Lauren summer dress for £30?

    The very scaredy-cat came to say hello to me
    Retired August 2016
    • themadvix
    • By themadvix 5th Sep 17, 2:09 PM
    • 1,027 Posts
    • 5,417 Thanks
    themadvix
    Yay for the scaredy-cat visit Did you buy the dress?!
    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 5th Sep 17, 2:25 PM
    • 4,068 Posts
    • 22,825 Thanks
    carbootcrazy
    Sounds as if you're having fun, KC

    How much longer is your stay likely to be?

    I love it when scaredy cats feel confident enough in our presence to approach us. You're obviously a true cat person, they can always tell
    Make £10 A Day Challenge 2017. Jan-Aug: £4112.05 Sept: £119.86
    3-6 Months Emergency Fund Challenge #12: £3733.00/£5000.

    Original Debt: £56804 (@ LBM 02/13). Balance now: £15841
    . Getting there
    • beanielou
    • By beanielou 5th Sep 17, 7:02 PM
    • 47,211 Posts
    • 169,603 Thanks
    beanielou
    Hope you bought the dress
    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 6th Sep 17, 8:54 AM
    • 27,715 Posts
    • 151,435 Thanks
    Karmacat
    Sounds as if you're having fun, KC

    How much longer is your stay likely to be?
    Originally posted by carbootcrazy
    I am, I am! Sadly, the cats are too a bit too much - they knocked the huge, heavy duty iron off a chest of drawers this morning, *exactly* like Simon's Cat!

    I'm leaving tomorrow - there's just been time for the trip to the Kings Road, met a friend who came up from Woking for a cuppa coffee, and thats it.

    I love it when scaredy cats feel confident enough in our presence to approach us. You're obviously a true cat person, they can always tell
    Aw, thanks CBC, the others too - yes, I'm completely a cat person

    Nothing doing today, I have to rest up for the (short little) journey home tomorrow, a couple of hours out for a cuppa has tired me out. In a good way, though

    Save
    Retired August 2016
    • Cheery Daff
    • By Cheery Daff 6th Sep 17, 9:05 AM
    • 7,657 Posts
    • 37,199 Thanks
    Cheery Daff
    Glad you're having a good time KC Thought of you yesterday - our 'work cat' (huge furry thing) that hangs around work went missing But apparently he's been found alive and well, thank goodness He's such a tart cat, learned how to use the electronic doors and just hangs around with people making a fuss of him and taking pictures all day long
    Saved for house move: £15,116.35
    • Karmacat
    • By Karmacat 6th Sep 17, 9:10 AM
    • 27,715 Posts
    • 151,435 Thanks
    Karmacat
    I'm known

    I'm glad the tart mog was found - fancy a cat being able to use electronic doors! That's A Very Clever Cat, in capitals

    Oh! the dress - people were asking about the dress! No, I didn't buy it, that would have meant trying it on and, y'know, thinking. No dice
    Retired August 2016
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