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  • FIRST POST
    • Karmacat
    • By Karmacat 16th Jan 14, 7:37 PM
    • 28,201Posts
    • 155,383Thanks
    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 324
    • Karmacat
    • By Karmacat 26th Nov 17, 11:24 AM
    • 28,201 Posts
    • 155,383 Thanks
    Karmacat
    I've seen the listing, but I haven't read it yet I haven't had many spam posts on here, maybe half a dozen? But of course if it was deleted, after more than 3 years .... that would feel a bit sad, to be honest.

    I *need* an mfw diary at the moment, probably until we sell my mum's house and the money is distributed between the three of us. Around a year, we hope.

    You're right.

    Time for a new diary!
    Retired August 2016
    • themadvix
    • By themadvix 26th Nov 17, 11:43 AM
    • 1,155 Posts
    • 6,728 Thanks
    themadvix
    If you decide to switch away from 3 (which seems fair enough if there's no signal in your house!), make sure you do your research - quite a few of the other providers piggyback on 3's network - I know GiffGaff does - you don't want to end up with still no signal.
    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
    • michelle09
    • By michelle09 26th Nov 17, 12:43 PM
    • 471 Posts
    • 1,898 Thanks
    michelle09
    At least the builders cleaned. I dread to think how bad our windows are, but since winter is coming I'm going to leave it for now. OH talks about getting a ladder but we have a three storey house and are both quite accident prone....

    Have you managed to get the phone switched on yet?
    • Karmacat
    • By Karmacat 26th Nov 17, 2:08 PM
    • 28,201 Posts
    • 155,383 Thanks
    Karmacat
    If you decide to switch away from 3 (which seems fair enough if there's no signal in your house!), make sure you do your research - quite a few of the other providers piggyback on 3's network - I know GiffGaff does - you don't want to end up with still no signal.
    Originally posted by themadvix
    Oh! Thank you for that - I literally had no idea

    My brother told me to do this too, but I'll have to find out about "breaking the contract"

    At least the builders cleaned. I dread to think how bad our windows are, but since winter is coming I'm going to leave it for now. OH talks about getting a ladder but we have a three storey house and are both quite accident prone....
    Originally posted by michelle09
    I was pretty impressed that he cleaned the windows - I didn't realise at first, because he didn't clean the pipes at the back, which have big blobs of sand/cement etc he's a bloke, he doesn't see that stuff

    Have you managed to get the phone switched on yet?
    Ye-e-e-esss ... it doesn't have the old sim in yet, though the people in the shop tried it to see that it fit so I know I'll be able to do it. The number switchover will happen tomorrow, and as long as I can input the mobiles belonging to my brother and sister for the travel on Tuesday, it'll be fine. Famous last words
    Retired August 2016
    • Karmacat
    • By Karmacat 26th Nov 17, 2:22 PM
    • 28,201 Posts
    • 155,383 Thanks
    Karmacat
    Yesterday, though, I should have put flexible filler on the little nail heads on the new skirting boards - then I could have done the undercoat quite soon. Will do it shortly. I'm not one for perfect finishes, but even I like some things to be set up correctly
    Originally posted by Karmacat
    I'm terribly proud of myself I checked labels, didn't need the flexible filler, and instead I **thoroughly** stirred the undercoat, and painted the skirting board of all five alcoves I can't tell you how happy I am about it

    It's solvent based, so I haven't painted the new wall surface, I'll buy ordinary emulsion for that.

    I also need to get my luggage trolley sorted, what to take, including small, rigid plastic boxes to pack little things away in.
    I did this too and sorted a few old picture frames, a few of which have died in storage
    Retired August 2016
    • beanielou
    • By beanielou 26th Nov 17, 4:59 PM
    • 49,091 Posts
    • 182,387 Thanks
    beanielou
    Should be safe until 10k posts.
    That was always the guideline.
    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 27th Nov 17, 9:07 AM
    • 28,201 Posts
    • 155,383 Thanks
    Karmacat
    Morning! I thought I'd better write down what I had to do today, as I only have today to footle around ... scared myself silly

    Twenty items some of which are tiny - water my aloe vera plants comes to mind - and some of which aren't - collect rail ticket and go to Waitrose next door - which will take an hour and a half or so. Oops. Not good planning. I'll post a ta-da list later on, but right now, I'll give myself another four minutes (its 9.06 ) and then get going.
    Retired August 2016
    • beanielou
    • By beanielou 27th Nov 17, 11:31 AM
    • 49,091 Posts
    • 182,387 Thanks
    beanielou
    Hope that you get as much done as you need to but without making yourself too tired.
    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 27th Nov 17, 3:38 PM
    • 28,201 Posts
    • 155,383 Thanks
    Karmacat
    That's the balance, isn't it beanie ... I rested for ages after I went out, just started up again, and I'm really pleased so far. I have:

    - got the new phone working, I've been texting! Now I have to cancel the old contract with 02.
    - collected my rail ticket - I can't bear to collect it as I'm actually travelling, if there's problems of any sort, it makes everything a lot more difficult.
    - got all my travel details with me.
    - no Waitrose pesto to be found! At least I tried
    - bought SiL a little stocking filler pressie, thats all we're doing.
    - changed over my handbag gubbins, from the old to the new.
    - genealogy documents to Drive, hmmm, this was less successful. I think I'll need to shut down the "screen off" thing, but that'll be for another day.
    - noted an email password to use on my phone while I'm away if necessary.
    - watered the plants.
    - spoke with my sister - *so* much admin about this trip!
    - got all the recycling into the bin.

    That's 11/21. Finishing packing is one item (I've nearly done it) and leaping into the shower (which I'm about to do right now).

    It's working

    Definitely a long rest after my shower
    Retired August 2016
    • themadvix
    • By themadvix 29th Nov 17, 1:23 PM
    • 1,155 Posts
    • 6,728 Thanks
    themadvix
    Hope you had a safe journey KC!
    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
    • beanielou
    • By beanielou 29th Nov 17, 6:51 PM
    • 49,091 Posts
    • 182,387 Thanks
    beanielou
    Hope all going well
    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 2nd Dec 17, 12:07 PM
    • 28,201 Posts
    • 155,383 Thanks
    Karmacat
    Thank you, lovely people Outward and return journeys both absolutely fine.

    The trip went very well, though my mother seems to have developed a real life Tardis in that house, to contain her patchworking stash and also to create that number of finished articles and to-do projects. We've lost count, for example, of the number of pairs of scissors we've discovered over the last year The stash took a total of maybe 14 hours to go through in detail (from both me *and* my sister)? Plus two full carloads of various tut went to the charity shops/tip.

    I was shocked (in a good way!) at how much I managed to do, even though I didn't do quite as much as the other two. I really think that my main problem now isn't the chronic fatigue hangover, it's the actual I-don't-get-enough-sleep problem. To the point of dizziness and nausea.

    And I've been thinking about what Suffolk Lass has mentioned about size of threads attracting spam and therefore automatic deletion. I don't think I'm hugely at risk there, but it might be time for one more diary thread before I'm done ... I'm currently unpacking and catching up on things, but I've started to think about the details.

    Watch this space
    Retired August 2016
    • greent
    • By greent 2nd Dec 17, 5:43 PM
    • 6,526 Posts
    • 65,851 Thanks
    greent
    Glad the trip went well Hopefully you're now resting - and maybe even managed an afternoon nap...? xx
    I am the master of my fate; I am the captain of my soul
    Repaid mtge early (orig 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: BTL Mtge 12/16 £69786. 2017 OPs (#18) £5278/£3286
    Net sales 2017 £1445.57/£500 PAYDOX17 £12239/£10k Decluttered 1985/2017 items
    • beanielou
    • By beanielou 2nd Dec 17, 6:10 PM
    • 49,091 Posts
    • 182,387 Thanks
    beanielou
    Glad all went well.
    Take care xx
    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 2nd Dec 17, 6:29 PM
    • 28,201 Posts
    • 155,383 Thanks
    Karmacat
    Hiya! I didn't nap, actually, didn't even need it ... I caught up with all things computery, unpacked a lot, worked on what I want from the next diary, cleared some of the slate from next to the house, where I don't want it any more, that sort of thing. Nothing strenuous. Started checking out current finances, and I may have watched a few tv programmes I recorded
    Retired August 2016
    • beanielou
    • By beanielou 2nd Dec 17, 6:50 PM
    • 49,091 Posts
    • 182,387 Thanks
    beanielou
    All good then
    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***
    • themadvix
    • By themadvix 4th Dec 17, 10:09 AM
    • 1,155 Posts
    • 6,728 Thanks
    themadvix
    'Cleared some of the slate.... nothing strenuous'?!! Glad you had a good trip and are feeling well
    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
    • beanielou
    • By beanielou 4th Dec 17, 12:40 PM
    • 49,091 Posts
    • 182,387 Thanks
    beanielou
    Have a good week Karmcat
    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 4th Dec 17, 12:43 PM
    • 28,201 Posts
    • 155,383 Thanks
    Karmacat
    'Cleared some of the slate.... nothing strenuous'?!!
    Originally posted by themadvix
    I spent half an hour brushing sand off slate chips, loading the chips into a (very small) plastic wastebin, and taking it down the garden to spread around the compost bin it really wasn't a big deal.

    Glad you had a good trip and are feeling well
    Thanks madvix (beanie too).

    The probate trip taught me a few lessons (again!) about activity levels and chronic fatigue: I really don't think I have the fatigue any more, I think I have leftover sleep problems and *extremely* low stamina because of the lack of sleep and the fatigue itself. My limits are still lower than other people's, but not nearly as bad as they used to be. The upshot is, I need to do more, and that helps my sleep.

    Instead of a total of 5 hours a night, I'm managing to get just over 6

    It's only a start, but I can't tell you how much better that feels.
    Retired August 2016
    • Karmacat
    • By Karmacat 4th Dec 17, 12:56 PM
    • 28,201 Posts
    • 155,383 Thanks
    Karmacat
    So, I went food shopping on Sunday, spent £34 or so, then later tidied up and readied for the builder turning up today. Which he did, finishing off the acoustic insulation to be painted. He's a sweetie, and all was well. I also opened the post, finally, about two weeks worth there was a credit card bill that's due in about two weeks from today, and a reminder to process my driving license renewal, which is every ten years, apparently. Waiting 2 weeks was fine

    To do:
    - I *should* phone the builder, and tell him how disappointed I am at the lack of information coming from him. But it's now 1pm, and I know I won't do it.
    - phone bro, tell him I don't want the drinks cabinet (I never did! But I don't mind crossing "i"s and dotting "t"s.
    - research contact details of a therapist near where I used to work, for a former client who just contacted me.
    - bit of computer and phone work, tidying things up, scanning, inputting contacts into phone.
    - I really want to buy some white emulsion, but I'm a wee bit tired for that, so I'll stick to faffing around in the garden.
    - phone faffing now includes sb, downloading apps and letting things run and all the rest of it. Leaning heavily on the lovely peeps on here to do my thing

    That'll do!
    Retired August 2016
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