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    • Karmacat
    • By Karmacat 2nd Jan 18, 3:38 PM
    • 28,542Posts
    • 161,005Thanks
    Karmacat
    Travelling On
    • #1
    • 2nd Jan 18, 3:38 PM
    Travelling On 2nd Jan 18 at 3:38 PM
    2018 really is a “travelling on” year for me: the final push, as far as finances and organisation are concerned. But I still need to look after the rest of me, so here it all is, adapted from the review I did on the last few pages of my previous diary:

    Make good memories.
    Building on last year. Carrying on reconnecting with old friends and new.
    Make new friends, especially locally.
    Our little board games group - we're all retired now!
    Rejoin the local writing group?

    Plus holidays and creative work, see below.

    Holidays
    A UK holiday for all three of us, probably to Hadrian's Wall.
    A cruise: current thinking is a 14 day-er with Tui to Norway; you could really do Norway in that time.

    Creativity
    I wanted to do lots of writing around one blog, and lots of design work around another, and I haven't done either of those things. I've missed it. A second edition of my original kindle book is needed, a new kindle is nearly ready, I can do a novel. There are a couple of options for another factual one.

    And if I'm ever going to design any cat cards or geometric patterns, this is the year.

    Jobs around the house
    The house is definitely my house now, not a work-live space. Replaster the hall, repair the hardstanding and the patio, some electrical work on the ground floor. Lots of other bits that are really little.

    Garden
    Weeding, getting compost, topsoil and bark chippings down, so I can plant edible perennials.
    Frences need weatherproofing. Prunings from hedging plants need burning to add to the soil.

    Health
    I'm carrying on
    getting better – need to get enough sleep. And I need stamina and strength – just enough to have a day out in London for instance.
    Healthy walks run by the local council. Dance classes, by the end of the year?

    Finances.
    MSE wins
    Swagbucks and You Gov right now, but I'll be going for Pinecone Research and Prolific Academic. Anything of that type that I can do from my armchair!
    Pensions
    I haven't done anything – luckily, the Stock Market hasn't collapsed, but I really do need to safeguard it, simply because I don't earn money any more.
    Online Sales
    I've kept some items back from the charity shop, things that will probably net £5 or more. Spread throughout the year, do it or donate it.
    Change current account
    HSBC have irritated me with their crazy fraud software for the last time. When my Regular Saver terminates, I'm moving.
    Insurance
    I just renewed last year, for ease, it was less than a month after the funeral. But I want a cheaper alternative, and I need to get quotes for insurance of all this jewellery I now have.

    Accounts
    2016/17 in the UK, and 2017 in France. I don't know if I'll need to do UK accounts after this year – I might have to, even though I've no UK earnings, because of the French apartment.
    French accountant
    I have the possibility of shifting accountant, people have got a computer programme going for leaseback properties like mine. Do I take the risk of moving? I'll have to decide really soon. Probably not worth it if I'm selling.
    Tackle French mortgage.
    The mortgage ends in September next year! About 630 euros a month goes to capital repayment, and the interest rate is 0.95% p.a.
    Ability to sell the French apartment?
    If I could sell it without penalty (huge VAT payment) I'd love to get rid of it now. I don't care too much what I'd get for it, even.
    My mother's house
    We'll be putting it up for sale in the summer; it was recently rewired, which is good, but it's still a fixer-upper, there's no doubt. Quite a bit of work in it.

    Counting Blessings”,says greent.
    I used to do that all the time. Last year felt short on blessings, to be honest, but even so my brother and sister and I have come together very strongly, we've met up with the Norfolk rellies, a new baby was born, I went catsitting twice, and that's just the big stuff.
    Next year will be more settled in the basics, so that everyday events feel more fun, and there'll be lots more opportunity for fun one-offs: I'm off to London this week and the next for days out. Another baby will be born in summer 2018!

    Retired August 2016
Page 14
    • pinkypig
    • By pinkypig 7th Feb 18, 9:32 PM
    • 993 Posts
    • 8,479 Thanks
    pinkypig
    Baltic here too.
    Yet more snow but not for long~~phew.
    Originally posted by beanielou
    Think we might be in a similar neck of the woods Beanie. Hope it clears soon. We've had no more snow but what we've had has now frozen solid
    • beanielou
    • By beanielou 7th Feb 18, 9:35 PM
    • 50,598 Posts
    • 193,617 Thanks
    beanielou
    Think we might be in a similar neck of the woods Beanie. Hope it clears soon. We've had no more snow but what we've had has now frozen solid
    Originally posted by pinkypig
    I am right in the middle of Scotland pinkypig
    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 8th Feb 18, 9:53 AM
    • 28,542 Posts
    • 161,005 Thanks
    Karmacat
    Chives do well outside - tougher than Basil (though maybe not new plants in snow!).
    Originally posted by smallholdingsister
    Good luck with your herbs xx
    Originally posted by pinkypig
    Thanks! It was so cold overnight, I was actually a bit worried this morning even though they're *inside* the house. They seem fine, though. I have some chives in the garden already, and those huge perennial things (can't remember the name ) but I want lots - like a path edging, really, so I can eat regularly.

    I am right in the middle of Scotland pinkypig
    Originally posted by beanielou
    Loooong way north of me - and its cold enough down here - I woke horrendously early, and my phone said it was -5 outside ... its now up to a balmy 0 degrees

    Another Amazon code arrived from SB, so thats £30 in total, £20 of which is still sitting at Amazon. More to come.

    I've done two You Gov surveys in the last two days, thats good.

    Paypal offered me a free £5, though it looks like I can't use it on ebay. I'll certainly find something.

    Since I've been tracking again, from December, thats:
    £57.55 actual money off or money earned
    £90 saved on home and contents insurance compared to renewal quote
    £45 prospective extra income, vouchers or money off utility bills.


    I'm pulling lots of my writing together, and heading out for a quick walk later on with my sister, as long as the ice on the roads melts first.

    Stay warm, everyone! My thermals are seeing good use today.
    Retired August 2016
    • beanielou
    • By beanielou 8th Feb 18, 10:07 AM
    • 50,598 Posts
    • 193,617 Thanks
    beanielou
    Two YOu Gov surveys in two days
    I am lucky these days to get two a month!!
    If I ever get to payment I am not doing it again.
    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 8th Feb 18, 10:17 AM
    • 28,542 Posts
    • 161,005 Thanks
    Karmacat
    It varies for me a lot, beanie, which is why I mentioned it. I still think they're worthwhile - when you *do* get to a payout, I've worked it out that you're "earning" about £2 an hour, tax free. For people on a good wage, its not worth it (unless they're on their commute or something) but for people like us - yep, I think they're worth it, as long as you don't assume you can finish it in a set time.
    Retired August 2016
    • carbootcrazy
    • By carbootcrazy 8th Feb 18, 11:21 AM
    • 4,343 Posts
    • 24,485 Thanks
    carbootcrazy
    I've had 2 YouGov surveys this week too, totally unheard of. I've had a nice little flurry of activity on PA too, actually being eligible for 2 studies each day this week. Sadly they were low-payers but at least they were quick to complete and quite interesting to do.


    I'm only 300 points from payout on YouGov, which is only 6 x 50p surveys. If I can redeem by the end of this year I'll be very surprised though


    Enjoy your wintry walk, KC. Rather you than me though today
    Make £10 A Day Challenge 2018. Jan ?:Feb: £236.25


    Original Debt: £56804 (@ LBM 02/13). Now: £10102
    . Getting there.
    • Karmacat
    • By Karmacat 8th Feb 18, 4:44 PM
    • 28,542 Posts
    • 161,005 Thanks
    Karmacat
    I certainly hope you will, CBC! My word ...

    Yep, my wintry walk was lovely, but once I sat down on my return, I'm shattered I think even being outside in this sort of cold takes it out of you ... never mind, hadn't seen my sister in ages, it was good.

    And instead of thermals, I wore my winter jeans - they fit! And they're size 12 I'll need some connection to my stomach muscles, mind you but they fit
    Retired August 2016
    • beanielou
    • By beanielou 8th Feb 18, 4:48 PM
    • 50,598 Posts
    • 193,617 Thanks
    beanielou
    Wow, well done on the size 12
    I am a 14 at the moment & happy with that for now.
    Do have a brand new size 12 though that I cant get into. In fact they are an American size 8.
    Maybe should try harder.
    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 8th Feb 18, 8:42 PM
    • 28,542 Posts
    • 161,005 Thanks
    Karmacat
    Mmmmm ... they don't fit *well*, beanie, but they didn't hurt to pull up, put it that way I need to work on my core, as the Strictly judges would say

    Right ... a good day today, and thinking of tomorrow:
    - I'm setting up my desk and office for writing - but I also want to review another 3 chapters tomorrow. New writing by next week.
    - Must, must, must buy travel insurance tomorrow. I wonder if I can use the £5 paypal money for that? Must be done, in any case.
    - weeding is always good!
    - some emails to answer, that won't take long.

    I think I'll leave the actual list at that for now. There's always decorating, cleaning, mending, blah blah blah, the exciting stuff, you know

    New writing by next week.
    Retired August 2016
    • Downshifterella
    • By Downshifterella 9th Feb 18, 7:50 AM
    • 98 Posts
    • 610 Thanks
    Downshifterella
    Well done on the jeans KC always satisfying! ( Like u say if they don't hurt to pull up always a fairly good start in my book! )

    Walk sounds lovely ( and cold brrrrr) well done!

    What kind of writing are u doing? That's one of my pipe dreams .... Not sure I'm motivated enough to sit down and do it though!! X
    MF planning for the simple life
    • Karmacat
    • By Karmacat 9th Feb 18, 10:01 AM
    • 28,542 Posts
    • 161,005 Thanks
    Karmacat
    Hiya

    Well done on the jeans KC always satisfying! ( Like u say if they don't hurt to pull up always a fairly good start in my book! )
    Originally posted by Downshifterella
    Unfortunately, the slim fit means they trigger my skin allergy - metal of any sort does that - so I'm still snookered on these, I'm afraid.

    Walk sounds lovely ( and cold brrrrr) well done!
    Yep, it was both; open water was iced over, and the ducks were huddled over an ice hole like you see Eskimoes doing, but we threw a few pebbles here and there, and they went through, so not exactly thick ice

    What kind of writing are u doing? That's one of my pipe dreams .... Not sure I'm motivated enough to sit down and do it though!! X
    A non-fiction one about salt or water, I have notes for both (I had a long time when I couldn't do much, thats my defence and I'm sticking to it ) and the one that I *will* now work on, a slow apocalypse fiction book, I have about 15000 words written. If you have any good stories about how cold winter can get, this is the place to share them
    Retired August 2016
    • Karmacat
    • By Karmacat 9th Feb 18, 11:56 AM
    • 28,542 Posts
    • 161,005 Thanks
    Karmacat
    I've been investigating travel insurance the **whole** time since my last post

    Annual European coverage, cruise cover (of course) ... the issue is about my chronic fatigue. Investigations were around 2 years ago, but definitely less than 5 years ago. I was advised its *not* the syndrome, but just the symptoms (lack of brain fuzz is an important indicator here). Thats too specific for travel insurance wonks to cope with - so I'm going to declare the Syndrome. I worked through an example policy at a specialist recommended on the main site here, and it came in only about £20 more expensive (with better cancellation policy, actually) ...

    The only reason to have it mentioned on the insurance is completeness - I've never had any treatment, expensive or otherwise, it's just about rest, for me. But I can see it being used against me to get out of a claim for, say, stolen baggage. I think an over-declaration is the way to go, as long as it doesn't affect my sister - I'll have to wait to book it until I've spoken to her, and she's not around till the evening.

    Am v bored with the computer now off to eat a late Second Breakfast
    Retired August 2016
    • beanielou
    • By beanielou 9th Feb 18, 3:59 PM
    • 50,598 Posts
    • 193,617 Thanks
    beanielou
    No wonder you are tired of the computer.
    I think you have/are going to do the right thing.
    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***
    • pinkypig
    • By pinkypig 9th Feb 18, 4:17 PM
    • 993 Posts
    • 8,479 Thanks
    pinkypig
    I am right in the middle of Scotland pinkypig
    Originally posted by beanielou
    I'm a bit further south Beanie, a squeak over the border

    More snow today . Hope you're not submerged! Xx


    Sorry for hijacking Karma
    • pinkypig
    • By pinkypig 9th Feb 18, 4:19 PM
    • 993 Posts
    • 8,479 Thanks
    pinkypig
    I've been investigating travel insurance the **whole** time since my last post

    Annual European coverage, cruise cover (of course) ... the issue is about my chronic fatigue. Investigations were around 2 years ago, but definitely less than 5 years ago. I was advised its *not* the syndrome, but just the symptoms (lack of brain fuzz is an important indicator here). Thats too specific for travel insurance wonks to cope with - so I'm going to declare the Syndrome. I worked through an example policy at a specialist recommended on the main site here, and it came in only about £20 more expensive (with better cancellation policy, actually) ...

    The only reason to have it mentioned on the insurance is completeness - I've never had any treatment, expensive or otherwise, it's just about rest, for me. But I can see it being used against me to get out of a claim for, say, stolen baggage. I think an over-declaration is the way to go, as long as it doesn't affect my sister - I'll have to wait to book it until I've spoken to her, and she's not around till the evening.

    Am v bored with the computer now off to eat a late Second Breakfast
    Originally posted by Karmacat
    TCB are often quite good once you've found competitive insurance Karma. Good luck
    • beanielou
    • By beanielou 9th Feb 18, 4:25 PM
    • 50,598 Posts
    • 193,617 Thanks
    beanielou
    I'm a bit further south Beanie, a squeak over the border

    More snow today . Hope you're not submerged! Xx


    Sorry for hijacking Karma
    Originally posted by pinkypig
    No snow today but very cold
    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 9th Feb 18, 6:08 PM
    • 28,542 Posts
    • 161,005 Thanks
    Karmacat
    Not a hijack in the least, PP - conversations get sparked, thats whats *supposed* to happen

    I managed some garden work - still very tiring to be out there, because of the cold, but between clearing everything to plant, and collecting stuff for the tip, it's necessary

    Has anyone else had weirdness with their mse password? Expired, and to renew I had to type in what my existing password was? Which I've forgotten for years but something worked again. V odd.
    Retired August 2016
    • beanielou
    • By beanielou 9th Feb 18, 6:23 PM
    • 50,598 Posts
    • 193,617 Thanks
    beanielou
    Not sure what the password thing is all about.
    Easy enough to do though.
    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***
    • wishingthemortgaheaway
    • By wishingthemortgaheaway 9th Feb 18, 6:30 PM
    • 943 Posts
    • 4,310 Thanks
    wishingthemortgaheaway
    The message I got was that, after 211 day!!!8217;s I had to renew my password, seemed a random number to choose, but I have duly been allowed to re enter the sanctum.
    The 100 payment countdown (each payment = £400) 2018 Starts at 13/100 o/s £34,750.
    Jan 18 14/100 o/s £34,400
    Term Mortgage free date: October 2029 Current mortgage free date: April 2025 March 2025
    MFW 2018 Challenge Member #162 £124.36/£2,500
    • greent
    • By greent 9th Feb 18, 7:12 PM
    • 6,684 Posts
    • 68,801 Thanks
    greent
    I had that with my password, too - apparently expired at 3550 days!
    x
    I am the master of my fate; I am the captain of my soul
    Repaid mtge early (orig 11/25) 01/09 £124616 01/10 £104927 01/11 £89873 01/12 £76317 01/13 £52546 01/14 £35356 01/15 £12133 07/15 £NIL
    BTL Mtge 12/16 £69786. 2018 OPs (#18) £36.39/£4000
    Net sales 2018 £20.45/£1000 PAYDOX18 (#15) £1429.16/£18694.38 Decluttered 273/2018 items
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